Barclays-am fuming-Why on earth dont they Tell You these things???

BartGirl

I just called up to enquire as to whether I'd eligible for a Barclayloan.
I do internet banking and they have a section called 'pre-approved offers' - but i have never had an offer of an OD or loan on there.

So I called up and asked why.

I was quite surprised at her response..

She said that I had a 'poor account performance' ??? Meaning ???

Apparently I have a 'debit balance' every month on my account which their computer automatically penalises me for. Now - I have a £10 'buffer' on my current account so when I've 'dipped into' this £10 buffer and been OD for £2 or £3 the lady explained that despite the fact that this 'buffer' has been offered by Barclays - I am not supposed to use it to the extent that I do ! apparently dipping even a quid into it will result in a 'penalty' according to their computer!

I've never had a returned DD or SO or bounced cheque - ever...

She kept banging on about 'have you read your T+Cs' but I asked her WHY would you possibly penalise me for using a facility that You flippin provided in the first place? (and dont charge for - either)

ALSO she pointed out that despite the fact that in the last 12 months I've only had 1 OD charge on my account (which was refunded same day) she pointed out that the fact that the charge went on there in the first place is ALSO another penalty according to Barclays..so the more 'penalties' I have - the less chance I get of being offered an OD facility or Loan..

Cant believe it! The amount of times I could've rectified that by simply transferring a coupla quid into my current acc from the savings..am LIVID :mad:

So apparently I am now the official owner of a current account with a poor 'account performance'.....whateva...

immoral_angeluk

I love barclays...

GreyPilgrim

You should consider yourself lucky they've turned you down. The interest they would charge you. they're actually doing you a favour.

Take it from one who's original debt spiral began with a 'pre-approved barclayloan' a long long time ago.

BartGirl

Actually I didnt apply for the loan - just enquired as to why i'd never been pre-approved one..

Am thinking may apply for one towards end summer / autumn time

I appreciate your input anyway Grey..