Barclaycard bill payment of £800 taken twice.

leicsmarkyr

nzseries1 wrote: »

Some people, like myself for instance, have a deep-seated, irrational fear of direct debits. To me, it's like signing a piece of paper that says "here's my account number, feel free to take any amount of money you wish, at any time, for any reason, without notice, with some flaky thing called a 'direct-debit guarantee' which probably isn't worth the paper it's written on".

I would quite frankly rather saw my own arm off than set up any more direct debits than I have to.

The DD guarantee will assist in all errors made. You just phone your bank up when you see the wrong amount/date etc and they just reverse it. No questions asked.

nzseries1

leicsmarkyr wrote: »

The DD guarantee will assist in all errors made. You just phone your bank up when you see the wrong amount/date etc and they just reverse it. No questions asked.

Like I said, deep seated and irrational fear

I figure it can't be that easy to get a refund. At least you would have to ring an 0871 number, and since I have a mobile only it would be 55p per minute. Then, you would have to provide proof that you didn't authorise something, and proving that you didn't do something is always really really hard.

Perhaps it is as easy as you say (I have no experience with this, just bad experiences with UK companies in general). But I like to be in COMPLETE control of my money.

MarkyMarkD

You don't have to "prove that you didn't authorise something". They have to prove that you DID authorise something.

And it shouldn't cost you 55p a minute to call your bank, unless you bank with the wrong bank. I don't know any bank that uses 0871 phone numbers, in fact.

entseo

Over the weekend I discovered that Barclaycard had taken over £2,100 from my Barclays current account. This was money lent to me my family members in order to enable me to pay my bills until my business recovers in January 2009. This was essential funding, without which I will not be able to pay my mortgage. How do I recover this money?

Swans1912

entseo wrote: »

Over the weekend I discovered that Barclaycard had taken over £2,100 from my Barclays current account. This was money lent to me my family members in order to enable me to pay my bills until my business recovers in January 2009. This was essential funding, without which I will not be able to pay my mortgage. How do I recover this money?

entseo, I'm guessing you had a debt on your Barclaycard?

I believe that most accounts full T&C gives the bank the right to offset money from one account to pay debts owed on another account generally

Keep your money in an account that is unconnected from your debtors.

ICan'tStandIt

leicsmarkyr wrote: »

The DD guarantee will assist in all errors made. You just phone your bank up when you see the wrong amount/date etc and they just reverse it. No questions asked.

This wouldn't apply in this case as it was a debit card payment over the phone and not a direct debit.

I think £50 is pretty good compensation considering that it wouldn't have earned that amount in interest had the error never happened.

My point still stands, but this thread is quite old.

ICan'tStandIt

entseo wrote: »

Over the weekend I discovered that Barclaycard had taken over £2,100 from my Barclays current account. This was money lent to me my family members in order to enable me to pay my bills until my business recovers in January 2009. This was essential funding, without which I will not be able to pay my mortgage. How do I recover this money?

It depends on why Barclays took it.

Do you owe them money on another account ? If so, they are within their rights to take the money from an account that does have money in to pay off another debt.

This is also the case for any accounts you have that are owned by Barclays, but are branded as something else eg. Sky Mastercard.

dreamlife99

ur lucky u got it back so soon!

debenhams/ge money took £5, 200 out of my account and its been 2 and half months and i still aint got it back! im getting 100 quid compensation but am risking losing a house cuz that is part of my deposit towards buying it!

ICan'tStandIt

dreamlife99 wrote: »

ur lucky u got it back so soon!

debenhams/ge money took £5, 200 out of my account and its been 2 and half months and i still aint got it back! im getting 100 quid compensation but am risking losing a house cuz that is part of my deposit towards buying it!

Make sure that they know that and if the worst happens and you do lose out on the house, go to the newspapers with it.

Also get the solicitor that's dealing with your house purchase to lean on them.

dreamlife99

ICan'tStandIt wrote: »

Make sure that they know that and if the worst happens and you do lose out on the house, go to the newspapers with it.

Also get the solicitor that's dealing with your house purchase to lean on them.

yes ive mentioned the house to them but it still aint made a difference. i was hoping that they would sort it before the sloicitor needed to get involved. cheque didnt turn up on satrday so looking at tomorrow maybe. any one know how much a solicitor charges for delay? i will make sure i claim that from them - the manager said she willing to pay it!