Nothing in stone as it was all internal reports and I didn't keep any when I left. I think if we pushed the banks to find out how it works they would buckle under the pressure, the same as them not telling us how much it costs to return a DD or cheque or just go overdrawn:p

Pre-determined internal limits I used to work for Barclays . Left a few years back as I could not handle the sales pressure. I felt like I was ripping people off as the banks products are normally more expensive and less flexible and attractive. The Whistleblower programme is exactly how it is, pressure selling, making people feel uncomfortable....but this is the way not just in banks but in a number of areas in our daily lives. I agree that we are responsible for managing the balances in our accounts, but we all have times when times are tough and these charges are outrageous and I tried to refund as many as possible...but got in trouble. Now for the interesting bit which I am going to use in my court papers when I finally get the date through..... .....for certain accounts Barclays have their own pre-determined internal limits, which were known as 'anticipatory limits' or 'A' limits. These were internally scored limits and would allow customers to overdraw. For example if I had a monthly income of £1000, and an overdraft of £500, if I ran my account well I might have an 'A' limit of £1250 which would mean Barclays would let me overdraw up to £1250. The sucker punch ...yes they will charge you £35 for going over you £500 limit. So Barclays is authorising you to go overdrawn and charge you for it. Worth putting in your defence and claim. Lets see them defend that one!

I used to work for Barclays . Left a few years back as I could not handle the sales pressure. I felt like I was ripping people off as the banks products are normally more expensive and less flexible and attractive. The Whistleblower programme is exactly how it is, pressure selling, making people feel uncomfortable....but this is the way not just in banks but in a number of areas in our daily lives. I agree that we are responsible for managing the balances in our accounts, but we all have times when times are tough and these charges are outrageous and I tried to refund as many as possible...but got in trouble. Now for the interesting bit which I am going to use in my court papers when I finally get the date through..... .....for certain accounts Barclays have their own pre-determined internal limits, which were known as 'anticipatory limits' or 'A' limits. These were internally scored limits and would allow customers to overdraw. For example if I had a monthly income of £1000, and an overdraft of £500, if I ran my account well I might have an 'A' limit of £1250 which would mean Barclays would let me overdraw up to £1250. The sucker punch ...yes they will charge you £35 for going over you £500 limit. So Barclays is authorising you to go overdrawn and charge you for it. Worth putting in your defence and claim. Lets see them defend that one!