Barclays Bank Premier paid bank account

Boy_Ben

Hi

I have been trying to claim from Barclays on my paid Premier bank account via resolver.

I spoke the them over the phone and explained that it was implied when I was offered the account that if I did not take out this account that I would not keep my overdraft.

They have refused my claim on the the basis that I used for the following reasons

The Airport Lounge (which I never have)

I had claimed on a previous paid bank account on the insurance

I held a non-pay account previously

I was sent eligibility statements so i was aware that I was paying.

In the letter I have a number to call and now are unsure that what step to make next.

Anyones help would be appreciated.

Bogalot

Their reasoning is sound. In what way was the overdraft issue implied, and can you evidence this?

Boy_Ben

It was implied unless I took it the account I would not be allowed an overdraft. Unfortunately there is no way to evidence it as it was a face to face in a branch.

Bogalot

Boy_Ben wrote: »

It was implied unless I took it the account I would not be allowed an overdraft. Unfortunately there is no way to evidence it as it was a face to face in a branch.

And you never read the paperwork they sent you?

Unless you have any evidence as to why the account was missold, there's little more you can do.

Nasqueron

Basically you accept it or go to the FOS if they said that in the rejection letter, it might be overturned or not. Unfortunately it sounds like your complaint is fairly generic (their responses suggest you said you didn't know you had it or what you were paying for) and your main point is unprovable so it would go down to the evidence presented by both sides

dunstonh

I spoke the them over the phone and explained that it was implied when I was offered the account that if I did not take out this account that I would not keep my overdraft.

A very weak complaint. That reason typically leads to failure on complaints unless there is something else identified or the bank loses credibility on other areas.

I was sent eligibility statements so i was aware that I was paying.

This is important. The FOS deem these enough to time bar people under the 3 year rule. So, although that is not the case here, there is a lot of weight put on these.

In the letter I have a number to call and now are unsure that what step to make next.

If the bank is not timebarring you it will say in the letter that you can refer to the FOS if you disagree with them. If they are timebarring you then it will say they will not allow you access to the FOS.

The FOS only overturn around 1 in 10 packaged bank account complaints and they do not have an issue with packaged bank accounts. Your complaint is weak and unproveable. So, the odds are very much against you.