Barclays won't remove my OD

xkpa

Hello, so here is the issue. I have a miserable 10 pounds OD at my Barclays current account. I called Barclays to remove it, the advisor said it will be removed in 1 business day, that was in the beginning of this month.

I waited around a week, then called again. Then the advisor said it will be removed in 3-4 business days. I am waiting a week and it is still not removed.

The issue is I am abroad, could someone tell me how I can remove my overdraft. Cheers

pmduk

Some accounts have a £10 buffer. If this is a feature of the account it may prove difficult to remove. Just ensure you don't use it.

greenorange

xkpa wrote: »

Hello, so here is the issue. I have a miserable 10 pounds OD at my Barclays current account. I called Barclays to remove it, the advisor said it will be removed in 1 business day, that was in the beginning of this month.

I waited around a week, then called again. Then the advisor said it will be removed in 3-4 business days. I am waiting a week and it is still not removed.

The issue is I am abroad, could someone tell me how I can remove my overdraft. Cheers

Are you sure it's an actual overdraft and not just a buffer?

My overdraft shows as -£10 on my Barclays account, but that £10 is not actually reflected in my available balance. No idea why. Just guessing it's their way of giving a £10 buffer...?

xkpa

It is overdraft, because when I applied for one, they gave me only 10. And my bank account name is now BBA with OD Tier Y (-£10.00
Overdraft limit).

PeacefulWaters

Why is it so important to remove it?

xkpa

I heard that it is bad for CRA's when it is so low amount. So i want to remove it, because obviously credit organizations prefer to give credit to defaulted people and I am receiving 10 pounds with perfect credit report...

Archi_Bald

xkpa wrote: »

I heard that it is bad for CRA's when it is so low amount.

That sounds like poppycock.

Can you tell us what exactly your credit report shows for the £10?

xkpa wrote: »

because obviously credit organizations prefer to give credit to defaulted people

That sounds like even more poppycock. Getting any credit if your CRA file shows defaults can be more difficult, or even impossible.

An overdraft facility doesn't count as a default.