Ombudsman Upholds Complaint Against Barclays for Mis-Sold Graduate Account

Graduate_Additions

How many other graduates (before and after 2005) have been mis-sold fee-charging accounts?

Ombudsman Decision Reference DRN3584988 22 August 2013

Search "DRN3584988" on the Ombudsman Decisions website

Mr D (DRN3584988)

Atidi

Graduate_Additions wrote: »

How many other graduates (before and after 2005) have been mis-sold fee-charging accounts?

Ombudsman Decision Reference DRN3584988 22 August 2013

Search "DRN3584988" on the Ombudsman Decisions website

Mr D (DRN3584988)

A search came up with these other 2 threads you posted on this site with exactly the same content.

https://forums.moneysavingexpert.com/discussion/4787793

https://forums.moneysavingexpert.com/discussion/4405061

Are you on a mission or something? :cool:

Atidi

The FOS final decision, which was given about 6 weeks ago on 22 August 2013 says:

...I do not consider the fact a consumer says nothing about fees showing on their statements for several years means that they must necessarily have consented to the packaged bank account...

I am, however, persuaded that the account fees combined with the letter dated 27 March 2009 – that Mr D acknowledges receiving – should have made him aware that he had a packaged bank account. I note that Mr D says he does not remember reading the contents of the letter but I also note that it set out details of both the account fee and the benefits associated with the account. At this point I am satisfied Mr D had enough information to be aware of the type of account he had and so I do not require Barclays to refund the account fees Mr D paid after this date.

In his complaint to this service, Mr D complained that Barclays’ final response letter was not sent within eight weeks of his initial query. However, I note that Barclays was corresponding with Mr D within eight weeks of his initial query and so in these circumstances, I do not consider that the delays warrant compensation....

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=19453

It seems Mr D's attempts to gild the lily on this one were well and truly seen through by the ombudsman :cool:

TurnUpForTheBooks_2

Atidi wrote: »

It seems Mr D's attempts to gild the lily on this one were well and truly seen through by the ombudsman :cool:

What would you know about gilding lilies, Atidi? There is nothing in that Ombudsman report which says anything about anything being well and truly seen through, but I think we can all see through you.

For the record (since you deliberately chose not to quote it despite having selected one half of the rationale - I wonder which half!) the decision in this case was recorded as follows:

Ombudsman wrote:

For the reasons set out above, my final decision is that I uphold this complaint. I require Barclays Bank Plc to refund to Mr D the account fees paid between June 2005 and 27 March 2009, together with interest at 8% simple per year on each fee paid from the date of payment until the date compensation is paid. I make no further award against Barclays Bank Plc.

Joniboy128

Hi
I took out Barclays additions active account in 2009 at £15 per month.I was happy until I tried to use it and it was rubbish.My partner dropped her mobile phone down the toilet and it broke so I made a claim.My insurance covered mobile phones travel ins will writing ext warranty ect.That day when I phoned Barclays they told me it would take 3-4 weeks to fix the phone (which I did not expect at all)and was very unhappy about.I sent the phone off to them and received back in 4 weeks.Shortly after my partner realised the wifi no longer worked and took it to a shop in town to ask as she didn't want to wait another 4 weeks.The shop inspected the phone and charged £20.They told her it was the worst repair they had ever seen and that who ever repaired it didn't wear special gloves which were needed when taking a iPhone to bits and this was why it didn't work.The phone was over £400 to buy and wasn't very old.When she got back I phone Barclays to be told the phone repairs people were separate and not a Barclays company and that nothing they can do as the phone had been opened by someone else.Basically they didn't give a s**t bearing in mind I have been a customer since I was a young kid.I cancelled the insurance I told them how bad a service it was.My partner had to buy another phone £400 out of her own money and we basically paid 15£ pm for nothing.I told them I felt like they had ripped me off.
Could I claim back my fees I paid plus damages under the mid sold additions claims that how's now come about.
Would be great full of some advice on how to do so and if I would be worth doing
I cancelled 2 years after taking it out so paid 15£ pm for 2 years