Ex customer of Barclays bank

[shazzi]

:???:hi,im a ex customer of barclays bank,

9 yrs as a cutomer with them ,

i decided to claim back my charges,as they had been charging me 30 pounds 3 times a month

 

,i was on income support and a single mum.

 

the charges went on for 9-12 months,

 

i owed them 500 pounds on my over draft,

 

i agreed to pay them back 18 pounds every week,

they agreed,

i got down to owing them 150 then they kicked me out,

but i believe its because i got a intouch with a company to re-claim my charges because i couldnt afford it

and didnt think it was fair,

 

then a few weeks later i recieved a letter fr barclays infoming me my account would be closed

and that i return my credit card and cut through the chip and return it back to them,

 

i did as they asked and posted it back.

 

I still recieve letters fr debt companys or solicitors on behalf of barclays trying to recover the 150 pounds i still owe them,lol.

 

Its been 5 or 6 yrs since barclays closed my account

so i dont know if i can try and reclaim my charges back,

 

i never heard anything back fr the company i asked to re-claim back my charges,

but i did hear on the news that everyone claiming their charges back didnt succeed as all high court judges over ruled the ombusman,

so i havnt tried since,

 

i could be owed PPI but not sure if i can claim them either so am a lill confused.com could u help plz ty

[dx100uk]

was this a credit card or a bank account?

 

dx

[slick132]

Hi Shazzi,

 

If this was about your bank a/c, then you have no chance of reclaiming older charges.

 

If this concerns a credit card a/c, then you can reclaim all penalty charges added to the a/c.

 

#If you are still in Financial Difficulty and being hit by bank charges or CCard charges, read this - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship

 

[shazzi]

it was a bank account and i had a credit card visa with barclays

[slick132]

Hi Shazzi,

 

From what you've said, you have no chance of reclaiming the bank charges.

 

As regards what you left owing on the a/c, this will be Statute Barred 6 years after you last either paid toward the debt, or acknowledged it.

 

You may be able to reclaim any credit card a/c penalty charges.

 

Do you have statements to show what penalty charges were paid.

 

If not, do you know approx when you would have incurred penalty charges.

 

[shazzi]

i dont have any bank statements,i did pay something like 17 pounds a month for my credit visa but not sure for how long,i rem cancelling that, it might have been a year or 2 later

[dx100uk]

i think it might be worth your while to SAR them.

 

its hit n miss if they do have the statements

 

but on avg its worth the punt.

 

dx

[slick132]

Hi Shazzi,

 

In post #5 above, I was asking if you had any credit card a/c statements

 

If you don't have any but think there may have been any credit card penalty chgs in the last 6 years, send BC an SAR.

 

If you think it was 6 years or more since BC hit you with any penalty charges, you will have to take court action before you even get any statements older than 6 years from now.

 

And, if you get statements showing charges older than 6 years, you will then have to take separate court action to reclaim those charges.

 

So you probably need to consider if it's worth spending £10 on the SAR if you have no statements and you think ALL the charges would be older than 6 years.