What the ****?

Guggul

I want my ducats back

PeacefulWaters

BMN wrote: »

What was unfair about this? The money was owed?

No arguments that the money was owed.

But, based on the thread content, Barclays have made no effort to establish the importance of the cash in relation to essential expenditure.

As such they have not acted fairly. And the FOS will agree with that view.

Guggul

PeacefulWaters wrote: »

No arguments that the money was owed.

But, based on the thread content, Barclays have made no effort to establish the importance of the cash in relation to essential expenditure.

As such they have not acted fairly. And the FOS will agree with that view.

Also I've seen no evidence I really do owe them anything. That account from all those years ago didn't have an OD facility and would not have allowed me to go overdrawn.

iAMaLONDONER

Guggul wrote: »

Also I've seen no evidence I really do owe them anything. That account from all those years ago didn't have an OD facility and would not have allowed me to go overdrawn.

You should do a SAR with Barclays in order to prove whether or not you owed them money.

Hooloovoo

Guggul wrote: »

Also I've seen no evidence I really do owe them anything. That account from all those years ago didn't have an OD facility and would not have allowed me to go overdrawn.

Just because an account doesn't have an agreed OD facility, doesn't mean it can't be overdrawn.

Guggul

Hooloovoo wrote: »

Just because an account doesn't have an agreed OD facility, doesn't mean it can't be overdrawn.

if somebody walked up to you and said "mate, you may not realise it but you owe me £100 from back in 2001 and I've decided to add £200 interest onto that and I'm now going to grab it out of your wallet, thanks." Would you not at least ask them for some form of evidence and also to confirm how/why an alleged £100 debt would warrant them taking a further £200 off you.

PeacefulWaters

Guggul wrote: »

if somebody walked up to you and said "mate, you may not realise it but you owe me £100 from back in 2001 and I've decided to add £200 interest onto that and I'm now going to grab it out of your wallet, thanks." Would you not at least ask them for some form of evidence and also to confirm how/why an alleged £100 debt would warrant them taking a further £200 off you.

You have two basics as a reason for complaint.

No communication received regarding the debt. Unfair.

No assessment around you £300 being required for essential bills (including food).

Crack on with your complaint you're well placed to succeed.

As the previous poster suggested, it's more than possible to go overdrawn on an account with no overdraft facility. This probably triggered other charges/interest for a period before they palmed it off to internal collections and debt collectors. If this assessment is correct any complaint that you end up escalating to the FOS will be likely to receive sympathetic treatment.

I assumed you moved address around a decade ago?

brewerdave

Doesn't anyone else find it ironic that a bank can "find" a debt from 13 years ago....when frequently posters on here are told that a bank can't help re much more recent transactions citing " information not carried over onto new systems"

JuicyJesus

brewerdave wrote: »

Doesn't anyone else find it ironic that a bank can "find" a debt from 13 years ago....when frequently posters on here are told that a bank can't help re much more recent transactions citing " information not carried over onto new systems"

It's entirely possible they may have basic details about this debt (e.g. "such and such owed £300, we wrote it off in 2007" while transactional information is long gone.

That said I'd be surprised if a complaint didn't do anything. OP may well be in the wrong here, they may well owe the money, but sure as sh*t Barclays can't prove it and the debt is long since statute barred.

Hooloovoo

Guggul wrote: »

if somebody walked up to you and said "mate, you may not realise it but you owe me £100 from back in 2001 and I've decided to add £200 interest onto that and I'm now going to grab it out of your wallet, thanks." Would you not at least ask them for some form of evidence and also to confirm how/why an alleged £100 debt would warrant them taking a further £200 off you.

Not denying that. I was correcting your misapprehension that an account with no overdraft facility couldn't be taken overdrawn.