Barclays complaint re. No Signature Mandate
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Bundoran3
Posts: 4 Newbie
I've been with Barclays for 30 years or so and written many cheques in the past but none recently, my account still has over £3k sat doing nothing.
To avoid the account being closed they asked (by letter) for me to make a payment from the account
So I wrote a cheque for £50 to pay a local council bill - which they bounced based on 'No signature mandate' - effectively stopping me using the account.
Can they do this without giving me notice?
To avoid the account being closed they asked (by letter) for me to make a payment from the account
So I wrote a cheque for £50 to pay a local council bill - which they bounced based on 'No signature mandate' - effectively stopping me using the account.
Can they do this without giving me notice?
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So I wrote a cheque for £50 to pay a local council bill - which they bounced based on 'No signature mandate' - effectively stopping me using the account.
And, as a separate issue, why leave £3K sitting doing nothing in a dormant account, you could be earning 5% interest on that....0 -
Some old thread: http://forums.moneysavingexpert.com/showthread.php?t=2485957
Possibly, after many years your signature changed and doesn't match the one they have on record.0 -
Turns out they claim not to have my signature at all - after 30 years of using the bank and lots of cheques! So I have to go in the branch to register a signature. I guess the IT system has a bug - but surely I'm not the only person that has this problem?
I can apparently use the account on line - but I suspect that it will also fail since its not registered for online banking as such - they now use a secure mobile system but have not sent me any notification and they don't have my mobile details.
The £50 cheque was for a school item - which now means the school will respond back to my lad that we haven't paid for his equipment - together with the stigma that that will introduce. This will be very annoying.
Just to add to this fiasco - the person taking my complaint call had broken both arms and couldn't use a keyboard or mouse so someone else had to do the typing. And the call center computer could only view recent transactions on my account - so they questioned whether I had written any other cheques at all!
(PS I do have a 123 and other accounts paying interest...)0 -
Regarding the council bill, what bill is it, can you not set up a direct debit ?0
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Do you need to keep the account if you don't use it? If not, just switch it to another bank.0
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The council bill was just a one off payment which (apparently) I can only sort with a cheque since it goes through the school (we'll solve this with another bank account) - it's the embarrassment of my Barclays cheque failing and the letters to and from school that will be upsetting - when there is no good reason.0
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The account is a feeder account to other Barclays services - I just don't use cheques. As above - Barclays claim not to have my signature at all! I think this means they've turned on some computer system without entering my details. They now say this a 'reactive' system - which IMHO means they wait for problems to surface?! But surely they could have honoured the £50 and asked my to update details...0
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Doesn't make sense to me as I thought banks clearing departments don't check for signatures under a thousand pounds.
Perhaps there is something else going on in the background here such as dormancy?0 -
If it's a feeder account why did you receive a dormancy warning letter? That doesn't add up.
The rest of your issues could be resolved with precisely one visit to a branch. Sign a mandate form, update your contact details, and get your online banking details sent out.: )0 -
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