April 2011 while i was working in the Far east, i receive a phone call from yet another new Bank manageress, she is not happy with the way i am using my overdraft facility, she reccomends a business loan, stating it would be cheaper. i advise her that i already have a loan in place, she responds that the new loan would refinance the original loan and pay of the overdraft, it seemed fait-accompli so i arrange for the signature sheet of the new loan to be emailed to me, i sign, scan and return the form. In June this year i return back to the UK, my book keeper reccomends i look at PPI, i remove from the files the refinanced loan and to my horror see that it has an APR of 23% against the original loan which was 14.4%. I visit the bank i find i have a new bank manager and he seems as surprised as me at the level of interest that i am being charged, he will investigate and respond back. i also request a settlement figure for the new loan. I receive an email from him saying that it is within the Banks rights to charge thie level of interest on what are considered high risk accounts, i also receive a letter giving the settlement figure and also stating that interest is being charged at 9.51pds per day. On the 22nd July i i send off 3 complaint forms in the same envelope for PPI, the original loan, the refinanced and a further loan from Barclays Mercantile Bank which was for 44k and has additional fees of 11465pds. I am advised by my book keeper and a work colleague that all these loans carry PPI and in total should be enough to pay off the 23% loan. I receive back 2 claim reference numbers, no notification on which policys they refer to, my thinking was that 1 reference number referred to the original/refinanced loan because they are connected and the other reference would be for the 44k loan. On the 14th August i contact the call centre and it became clear that the the 2 supplied references were for the original and refinanced loans, when i query the 44k loan they say they have no records. Over the phone they take details and supply me with a claims reference number. After 40 days i contact the call centre again for an update, i am told it is in fact 40 working days that they work to, when i query the 44k loan they tell me it has been rejected and a letter has been sent giving details as to why, i respond advising him that i have not received any letter he agrees to resend the letter but it will take 7 to 10 days. After 10 days i call them again and they tell me that again they will resend the letter. After a further 10 days i visit my bank and 2 staff from the bank phone the PPI call centre, they could not have been more aticulate or precise about what i want, the agent confirms he will arrange for the rejection letter to be sent but it will take 7 to 10 days, I receive a copy of the settlement letter for the original and re-financed loan not the mystery rejection letter. In sheer desperation on the 19th Septemeber i visit my new bank manageress, i make it clear to her i will not leave the branch until i know why the 44k loan was rejecred, after much coersion from her she is told due to insufficient evidence. She points out to the agent that she has the original contract which clearly states additional fees of 11465 pds, they will not accept a fax copy so she sends through the internal mail. On the 40th working day since i received the claim reference for the 44k loan i contact the call centre only to be told that the case was reopened on the 22nd September when they received the original contract from my Bank Manageress. As stated i want to use the PPI money to pay off the userous loan that Barclays have forced upon me, every day the PPI issue is not resolved costs me 9.51 pds in interest charges. I visit my bank manageress and ask whether the loan can be suspended until this mess is resolved, i also ask why i am considered high risk, apparently it is not possible and i have to continue paying the loan amount and she cannot divulge why i am high risk. In conclusion i have been a Barclays customer for approximately 30 years, for 28 years my accounts have been in good order i am in the process of moving all my accounts to a new bank.

Hi all I decided to make a claim for PPI on my monument visa card after coming across some old statements which had payment break plan on them. I do remember querying it but was told at the time I had to have it order to get the card. I also had a few £24 charges. I got the card in 2003 and according to my credit report the account was settled in 2007 and it wasn't listed as monument visa but as barclaycard. I sent monument a SAR request end of july to an address in Leicester with a cheque for £10. (I have around 22 statements out of approx 43) Today i received a letter from barclays saying that they can't find my records with the info i provided. Am I right in thinking that if the account was settled in the last 6 years they should still have my records? Also i checked my account and the cheque has been cashed. should they have cashed it if they couldn't find my records? I thought the £10 fee was for the cost of copying. I am not sure what to do next. Can anybody help?

Hi please could someone give me some advice on power 2 contact / credit solutions i suspect they are the same company. Last year got into financial hardship i work part time my partners self empoloyed buisness doesnt make much money and i have 2 young kids to support, i bascially owe barclays £460 from a overdraft i got in touch with barclays and filled 2 income expenditure forms in for them and offerd them 10 pound per month repayment to be reviewed every six months and if i could pay more i would they didnt reply so now its been passed to credit soloutions who sent me a letter from power 2 contact saying they were coming to my house to recover full amount i was furious as it was so agressive this is the 1st letter ive had of them and that day i had a family bearvement so i sent them a angry email saying i know my rights i dont want anyone at my door and if they come i shall call police they have wrote back saying they offer a door step collection service as a option to our customers in guidelines to office of fair trading they would give me adequate notice of the visit they go on to say they want the full balance immidiatly where its not possible a short payment plan can be arranged however this is simlpy to allow the customer time to gather the full balance. they want financial statements of me detailing all income and outgoings they want to know what benefits i get and they want supporting documentation from benefit agencies they also want copies of wage slips i have to forward all of that straight away. Is that right do i have to send them details of my tax credits etc i dont even know where half my paperwork is! and there is a childcare element on my tax creds which doesnt go into my pocket it goes to pay childcare fees but they could say my income is more with that. Any advice on a reply to them?? thanks so much x

Barclays is selling most of its ATMs as it prefers to focus on more profitable activities like manipulating LIBOR. I used one in Gibraltar which I was told belonged to Barclays. It debited my account for the sterkling equivalent of 800 euros. But it dispensed no cash I would not have risked so much if I had niot thought that it belonged to Barclays. Actually it ias owned by Raphael`s Bank, a London bank which specialises in foreign exchange. I went to Barclays branch in Gibraltar to complain. They tried to send me away but I said that i was a Barclays customer and had used a Barclays Debit Card. After two hours on the phone, they faxed a claim form which I filled out. I spent another 2 hours at their branch in Faro, Portugal trying to expedite matters. Nothing happenned for 60 days. When I got home I found a letter asking for more information and saying my case would be dropped if I had not replied within 7 days. This was obviously impossible as they should have known since they had my fax from Gibraltar on file . After more complaints I received a fraud form from my Branch which asked me to sign away my legal rights, if nio spare cash was found in the ATM. I refused to sign it. I phoned Raphael`s who told me that they still had the cash but that Barclays had not contacted them. Barclays told me that it was too late to contact Raphael after 60 days. I wrotwe to the new CEO, who claimed that he had not received the letter. I was told that the bank had written back biut that certainly never arrived. The matter was only resolved, without any additional compensation for my worry, loss of holiday and so on after I went to the Press I personally am of the opinion that Barclays has a deliberate policy of trying to fob off ATM incidents, whether in its own or other bank`s machines. This includes the use of dubious fob-off letters. The only answer is to go into the Branch and lengthen the queues. I have already cut up my Barclaycard because of their excessive charges.

Barclays it seems have made dormant a whole lot of accounts including my own (due to inactivity). Having filled in the necessary dormant account form to get access to the money in that account I phoned today to check on its progress. I have been told they are taking 12 weeks to process these requests. This seems to me to be an outrageous length of time. No justification given other than they seem to have many other such requests. They were not even able to confirm whether or not they had received my request! This all to me seems utterly unacceptable. Anyone any tips on how I can speed this process up? I have complained to the Financial Ombudsmen but the time in which Barclays will need to respond to this is 8 weeks - though this is less than 12!

Hi guys, I have recently given an CCA request to Barclays in regards to my active Credit Card account but they have failed to provide me with it. I also followed it up with DSAR and again they have failed to provide me with the CCA. In their response they said that they have failed to my data. I wish to make PPI claim in regards to this Credit Card account. I took out this Credit Card around 1996. I am adamant that I have been missold. Without the CCA I will not be able to verify if I had ticked to box wanting PPI. What I want to know is that once they have said they can't locate my CCA how will they know if it has been missold or not? Also what content do I need to write on the PPI questionnaire designed by the FSA to successfully win redress? Thanks.

Three years ago it all went wrong work dried up i defaulted on personal loans, credit cards, overdraft, the options where bankruptcy or dmp as i am a home owner i went for the dmp option with no fees playplan plus i make monthly payments from my now reduced wages. roughly it is 60k to about six creditors the biggest being hfc and barclays.at the rate i pay after essentials it will be cleared in 2045 if i dont croak i will be 81 i have had great success claiming ppi with the help of the template letters on cag (MBNA being the most difficult with there you ticked the box so it was non advised basis waiting for court date for that one)sent sar to barclays and got big envelope back had ppi on current account and claimed back £3500 of which £1950 they offset. reading through the sar the account was changed to a additions plus account in 2006 but in 2000 to 2002 i had twenty pound charges totaling £780.00 pounds this got to me as the ppi was added to the account without my knowledge i might not have incurred these charges i knew they would be classed as statute barred because of the time but i wrote claiming financial hardship asking for a refund. they replied saying sorry for inconvenience but the charges are statute barred and the charges where fair and where added because i could not manage my account properly.end off. i left it for a couple of weeks and after a couple of sleepless nights thinking i was hard done too i thought i don't have much to loose so i put a claim in with MCOL after fourteen days no acknowledgment so i entered judgement three weeks later i had first letter from barclays special investigations team telling me i was relying on legal arguments which have been considered and rejected by the high court and the supreme court and not to try and execute a warrant and withdraw this claim as they seek to have the claim struck out and i would have to pay there legal costs. Two more letters followed as the hearing got closer they did ask for it to be heard without a hearing but a date of 24/09/2012 was set at my local county court wrexham. rather than shake in my boots i thought give it a shot take all my dmp stuff and as far as the statute barred went would try and go with section 32 c of the limitations act(the period of limitation shall not begin to run until the plaintiff has discovered the fraud concealment or mistake(as the case may be) or could with reasonable diligence have discovered it).in that respect i paid the charges mistakenly thinking they where lawful and the bank concealed there true nature.(ie they where unfair and disproportionate). any way day comes and they send young lady who tells me on the way in she is the barrister for barclays and gives me a look as if i am something she had stood in. I was expecting it to be struck out and award them costs but he was not impressed with the legal team at barclays and he could not see a defence and was annoyed they had not acknowledged the judgement (at which i piped up there was a communication problem at barclays HQ as reported in the press last week bailiffs had been there to remove computers and art work she lost her way at this and implied i was out of my depth which made him more mad and she quoted OFT V Abbey National supreme court 2009 decision which she had no case law with her.And then asked for case to be struck out and them to be awarded costs at this point he asked if i had incurred any costs for attending as i am self employed i said loss of earnings i thought for a moment he was going to give me judgement and we could all go home but he criticised barclays legal team and sympathised with her for not being sent with a propper defence and expecting him to throw the case out he has given them 28 days to get things together and send a copy to me.he told me to write a list of my expenses and for the next hearing i left feeling bewilderd but not really knowing what my next move is or if i can get a result any help and thoughts would be helpful thanks in advance ian

Hi everyone, received a rejection letter a couple of months ago. Just looked at it again and it states PPI was still active on the account and to contact them if we wanted to cancel. We've not used this cc for years. Does this mean we'll receive a refund of the premiums we've paid through cancellation of the policy?

Hi, The six claims I'm dealing with are between 1985-93. I've had three of them rejected for not having a policy number, even though the ombudsman has told me I don't this. Even the one policy number I do have has been rejected because it doesn't comply with Barclays' numbering system! Any ideas? Aside from leaving it to the ombudsman - and I may not live long enough to see the results... Thanks, Vi

My mum recently passed away and Held ISA account at Barclays Barclays sent atrrange for a Probate Specialist to update and give us deails of how probate work he gave us a quote for dealing with this (his words as can be very complicated) £1500.00 in fact I dealt with the Probate myself at a cost of £105.00 Court Fee Now we have the Grant of Probate Barclays say it will take 5/10 days to release funds I have spoken with two other Banks and one Building Society who state on receiept of the Grant of Probate funds would be release immediatley the only response I can get from Barclays is its their policy I feel we have had delays and non information from them Have just sent e-mail to Managing Director don't think it will make any difference. As anyone else had similar experience if so what was the outcome. Will keep you posted if I get reponse

Hi, One of my fathers companies ceased trading and he had money in the account.The account was still live and he made a request for the funds to be withdrawn and divided then the account to be closed. This is where the problems started.The account is held in my fathers and uncles names under their business name. They no longer speak to each other due to my uncle's shall we say sticky fingers. Barclays are aware of the account holders their addresses and several written requests to withdraw the funds.Some of these requests have been from my fathers solicitor. All have been ignored and not even acknowledged or answered.Now I find out they have moved the account to a lost/dormant account and £100 is missing. I was told by the local branch to download a dormant/lost account form from the Barclays site but the form does not seem to exist. Is there an email address I can write to for dormant accounts ? it will certainly save time as this has been going on for nearly a year.All he wants is his own money and Barclays seem to be absolutely useless so far. It's not even a huge amount just a few thousand pounds.

Hello, been a while since I posted here as been sorting my debts out and moving home I wanted some help with my Barclays Overdraft my limit is £1000 My current balance is £980 and I get about £14.80 interest on it a month, I have been paying £15.00 a month back for a few months just so I didn’t get over my limit but to be honest this is just kinda pointless as im getting no where and im currently out of work and cant afford to pay more then £15 a month back. I rang Barclays a month ago and I got told that my account would get closed and it would get moved to a debt recovery company Just to note ive had Barclays bank account all my life since school so it’s the only card really ive had the longest, but I guess that means bugger all to the people at Barclays What’s the best way to sort this?

Hi Everyone I just hope some one has some ideas about my situation which began in May 2008 with the Barclays/Woolwich. They offered me a settlement of a complaint after us all agreeing 60 pages of figures and head office agreeing and now they say they made a mistake and their offer if settlement is not legal. I had two mortgages with them one a joint repayment monthly offset, the other, solely in my name and interest only buy to let mortgage. I wanted to re-mortgage the B2Let with UCB what in effect happened was Barclays/Woolwich redeemed the wrong one ie the residential. I was alerted to this by Barclays returning my mortgage payment to the residential mortgage and telling me I was in errears on the B2Let. When I told them their mistake they refused to re-instate everything. I went through the rest of 2008 paying 2 mortgages on the buy to let as different departments were looking into it and I was worried about my credit rating. In 2009 a conclusion to my complaint was I had no case and they doubted if I could get another residential mortgage with them. Then I contacted the land registery to be told Barclays didn't have a charge on either property! When I told Barclays this they refused to believe me but when they saw it was true their was a deathly hush. I, yet again, was doing the decent honest thing. To cut to 2012 I contacted after many letters calls etc Bob Diamonds office they agreed Barclays had behaved badly offered a settlement and now say they have given me an unrealistic expectation. Any thoughts would be great.

Good Afternoon Everyone! I am sorting out a PPI claim for one of my family members. The loan (£7500 + PPI increasing the loan) was taken in April 2008 in Barclays Bank. Could someone help me please How can I calculate exact amount I can claim for? I downloaded the CAG PPI Calculator but I stucked on Monthly Int.% field. What shall I put there? I know that the APR was 7.98% but this is not the same as the Monthly Int.%. What numbers should I put into Amount column in the second (Interest _ Refund Amount) sheet? How can I know how big e.g. the "PPI Premium Interest – Loan No. - 2 Month 1" was? In the Loan Agreement I found APR 7,6% and Interest Rate 7,98% per annum. What is the difference? Sorry for that simple or even stupid questions but this is first time I review loan and insurance statements, rules and all the matter related to it and I am confused a bit. However this is a brilliant occasion to learn it I would upload some helpful scans but as a newbie on a forum I am not allowed to do this. I'll do it soon. I will be very grateful for an answer. Thank you very much! Chris

Barclays London HQ Was raided by bailiffs over a missold Loan Insurance Cas case, chasing £95000 they threatened to take art works and computers Barclays PAID by bank transfer:madgrin::madgrin::whoo:

I was sold what I believed to be a mortgage to replace a joint mortgage I have with my ex husband. It transpires this product was not a mortgage but a personal loan that would never be paid off. I was also told at the time of taking it out that I would have to take on my ex husbands debts to the bank within this (whatever a divorce court might say). This loan used was for my business. Unknown to me I also signed away my own home and possesions on this deal. I was charged 4% above LIBOR. I fell into arears because of dissagreements with the bank and it reached a position where the bank wanted to make me bankrupt. I found a solicitor to act for me who over saw the sale of my business. I owed Barclays Bank £335.000. I was told that the only way Barclays would accept me selling my business was if: I paid them back £515k. The bank would "no longer prepared to accept £335k plus interest any longer". Is this legal? And do I have any recourse with the 4% above LIBOR and taking extra money on top of what was owed?

I had two Barclays Masterloans going back to April 2003. The first one was consolidated into the second one in April 2004. I am fairly sure there was PPI on them both but no longer have paperwork. I can still see the second one on my credit report as it was closed on October 09. My main reason for the first 1 is that I was a postgrad student at the time and ppi would have been worthless. This was then rolled into the second loan when I had started work on a temporary contract. Two weeks ago I sent Barclays a letter to say I was preparing a complaint and to ask for confirmation of loan details. Received reply this morning with claim ref numbers and account numbers for both loans along with 2 FOS questionnaires to complete and return. However, there are no details of the loans and they said they can't retrieve details on the phone even though I now have account numbers. They can't even tell me for sure whether I had PPI although I am confident that they wouldn't have sent out the letter, account numbers and forms if I didn't - I may be wrong though? My first question is this - should I go ahead and submit the FOS forms now or SAR them to get as much detail as possible before submitting the complaint? Second question - has anyone managed to get details over the phone from Barclays - loan amounts, ppi amounts etc. and, if so, via which number? Many thanks.

to say i am mad at barclays is an understatement i have got myself a cashplus prepaid credit card that is used for the USA in dollars. it is a dollar card from cash plus and not to be confused with the normal gold mastercard issued also i went into barclays and ordered £3000 in dollars to be collected and paid for this friday while at the counter i realised i needed it in sterling as i could not top up the pre paid card in dollars and asked to cancel the transaction and have sterling ready. they point blank refused saying the request has allready been sent. they then stated they will be able to buy them back at their own buy back rate. that will cost me £300 which is the difference from the sell and buy back rates. all in the space of 10 minutes phoned customer service who were no help also this is all about some torag getting his commission and stuff customer service comments please on how to get even with barclays and whats more important is that i will be travelling accross the USA with about $5000 in cash

Ok, so this debt has been hanging around for a while, and has been through several debt recovery companies. However I now have DRO and thought I was safe, except that just before I got the DRO, the company the debt was with sold it to Mackenzie Hall. Indeed the day the postman delivered the DRO I had been woken up at 8.30am by Mackenzie Hall, and in my sleep addled state told them to F off because I had never heard of them before. However on the DRO the debt in question is given as Credit Solutions Ltd, the company that had the debt when I started the DRO process - not Barclays with whom I ran up the overdraft, and the amount is less than Mackenzie Hall are demanding. I have given Mackenzie Hall the DRO number, but I got another 8.30am phone call today. Apparently I have to send them a copy of the DRO. I don't want to because the debt isn't listed properly, and there are several other debts on it which they have no business knowing about. What should I do? I am unemployed at the moment, and on ESA due to severe mental health problems. I have been getting better but if I get harassed on a regular basis that isn't going to last. I will try phoning the advice company that helped me get the DRO, but they have closed the file so I don't know if they will talk to me.

I have an almost dormant account with Barclays Bank in Isle of Man. I have this account for over 30 years, because I used to live there. Since a couple of years Barclays charges £5 a month for this account. There was always sufficient funds to pay for this. For several reasons I have not been able to monitor this account for some months. I have been moving country and have informed Barclays of the change of address. I have not received any statements for several months. A few days ago I logged into the account and to my horror I noticed that I have gone overdraft for about £350.-- I have not uses the account since the end of 2011 and the overdraft and charges are only so high for not having enough funds in the account to pay the £5 monthly fee. I have informed the bank of the change of address in March but have not received any statements or correspondence. The bank has my valid email address. Is there anything I can do to recoup (some) of these excessive charges?? I know I at fault not monitoring the account properly but I am amazed that charges can be so high for such small amounts. Any advise would be welcome.

Hi everybody I have tried making a PPI claim to Barclays Partner Finance for a car loan that I took out. My monthly PPI payments were paid to Barclays, however they have written back to me to saying that the dealership I bought the car through effectively sold me the PPI and they have passed my details on to them. Is this correct?? Thanks in advance

So I decided to move away from Natwest and I applied for a Barclays account. The application for a current account was accepted. All went well, I got the debit card/PinEntry machine etc. And I transferred funds to my new account, £1,000 to be exact. I then had to pay off Amex for my chargecard, went ahead and paid them off. As soon as I did so, my online banking started playing up. I thought nothing of it. I went on with my day. I then decided to check my account balance at a cash machine, the machine ate up my card! I got confused but then remembered my transaction and thought it may have been a flag. I called Barclays and they told me I had to go into branch to order a new one. I then tried to login to online banking. It wasn't working! I called the online banking team and I asked for the honest truth, as it wasn't adding up. And the adviser told me that my account had been closed! He then put me through to a manager who asked personal questions (were I worked/other Barclays applications etc). She then informed me that my account was closed and that there was nothing I could do. I would be getting a letter soon informing so. I quickly queried why and she promptly told me to look at the letter. NOW, I know there are CIFAS warnings on my credit file, I was a victim of identity theft over a year ago. So I understand why they may be alarmed, but this is REALLY me. I do want the account! I have since opened up another current account, 2 credit cards and more! The CIFAS warnings have never got in my way, I may have been asked for ID etc but that's about it. In my view, Barclays have been treating me like some sort of criminal. I have yet to get an exact reason. I have sent a letter asking for a reason, yet I don't want to seem "desperate". I would like to know where I stand, within the law? Of course, I can't force the account to stay open and don't wish to be, I shall stick to Natwest. Can I ask for my calls and other costs involved with having to move back to Natwest reimbursed? I have no idea where to start and I am worried that this could lead to things going out of control :/ I have been reading stories online were people's long standing accounts have been closed after false fraud flags from banks?

Put in a claim to Barclays for miss sell of PPI on a loan I took out in 2000, the loan was for £12k and the PPI was front loaded and was another £6033.00 my actual loan total was £18,033. I at the time had 12 months cover from work and was told by Masterloan that I had to take the PPI for the loan to be accepted, this was all done over the phone at the time. I sent in a claim to Barclays, hadnt heard and the 8 weeks was up so phoned them today and they say that my claim was rejected but they won't tell me what the letter they sent says and it hasnt arrived with me 2 weeks after they sent it. The loan went into a DMP in about 2004 but I had made 4 years full payments before it went into the DMP, I have paid it nearly all off within the DMP and there is about £900 left to pay. My question is how can they reject a £6k front loaded PPI claim ?, I have no idea what the grounds of rejection are as I havent got the letter and they wont tell me, what do I do now please ?

Does anybody have a contact email for Barclays Partner Finance? If possible the Managing Director would be good. Have just phoned up for a settlement figure only to be told that it's significantly more than the current outstanding balance on the account...

Hi Guys, I have had a bit of back and forth over SARS with Barclays I now have some paperwork not all as requested. They have sent me 4 Fiche copies of loans taken out between October 1999-2007 however only 2 terms and conditions letters covering loans in 200, 2003. Is it that they are only sending me 6yrs back. The other Fiche copes don't seem to have account numbers but have statements of payments. On occasions I paid off one loan with another but on all statements it has I was charges Upfront single premiums. What next???