Closed accounts couple of weeks ago, now its Overdrawn ?!?

TzarJay

Hi

I closed by Barclays current account about 2 weeks ago and withdrew all the money in the account, I never used the account for about 3 weeks prior to closing it to make sure there were no pending transaction, and transfered all my direct debit before.

Today, I got a letter from Barclays saying my closed current account was now £29.99 overdrawn and that I was using my personal reserve at £14.99 a day.

Any idea's how this could be ?

stclair

Maybe you had a transaction/charge pending that had not debited your acccont when it was closed.

grumbler

Continuous Payment Authority?

And is it not easier just to aks the bank instead of guessing?

Goldiegirl

If they closed the account properly, any items that are presented after the date of closure would be rejected, and go into the banks 'reject account', for investigation.

Perhaps the closing entries weren't keyed on their system correctly, allowing a debit to be applied after closure.


As grumbler says, best to ask them

ihateyes

Goldiegirl wrote: »

If they closed the account properly, any items that are presented after the date of closure would be rejected, and go into the banks 'reject account', for investigation.

Perhaps the closing entries weren't keyed on their system correctly, allowing a debit to be applied after closure.


As grumbler says, best to ask them

Not strictly true.

Having worked for a credit card company a common complaint was someone had breakdown cover with the AA on continous authority. they cancel the card, 6mths later the payment comes out, and a statement is sent to customer to pay.

FireWyrm

....side issue...'personal reserve' at £14.99 a DAY???? And they claim PDLs are userous.

You cant be serious?

marlewuk

ihateyes wrote: »

Not strictly true.

Having worked for a credit card company a common complaint was someone had breakdown cover with the AA on continous authority. they cancel the card, 6mths later the payment comes out, and a statement is sent to customer to pay.

that doesnt seem right,
i could understand if the actual credit account was still open and a renewal/replacement card was held - a cpa could still come through but surely if the credit card account was closed - they couldnt take another payment.

Hominu

marlewuk wrote: »

that doesnt seem right,
i could understand if the actual credit account was still open and a renewal/replacement card was held - a cpa could still come through but surely if the credit card account was closed - they couldnt take another payment.

The CPA is authorised in advance, so yes, until cancelled, they can keep taking paying whether the account is open or closed. You need to state when closing the account that any existing CPAs on the account should be cancelled and also let the appropriate companies know.

Any company asking for a 'fresh' authorisation will get declined.

JuicyJesus

FireWyrm wrote: »

....side issue...'personal reserve' at £14.99 a DAY???? And they claim PDLs are userous.

You cant be serious?

They're not. Barclays Personal Reserve is £22 a week.

jonesMUFCforever

It is quite simple here - the account was never closed.

It might have been a pending transaction or maybe charges but the account was never closed.

OP you withdrew the money to take the balance to nil but I will repeat they never closed the account.

grumbler

jonesMUFCforever wrote: »

It is quite simple here - the account was never closed....
... the account was never closed.
...I will repeat they never closed the account.

How do you know this?

Closing an account doesn't cancel pending card transactions or CPAs.