Maisielou v Barclays - SETTLED!!

[maisielou]

yes thats the one

[Tinkerbelle]

Would you like me to email it to you?

 

If that doesn't work then there is something amiss with your copy of Excel

[maisielou]

yes please.....and thank you

[maisielou]

Right..........ive tried everything with these spreadsheets and still they wont let me enter any of my charges....is there anything else i can use??? as i need them soon

help!!!!!!!!!

[Bookworm]

Have you tried Dave's online calc?

 

http://www.consumeractiongroup.co.uk/chargeinterest.php

[maisielou]

Would i have to put every charge in seperate for the 6 years as they are all different dates?

[Bookworm]

Well, yes... As you would in Excel...

[maisielou]

Sorry i see now thanks for your help will use the on line calc:D

[maisielou]

I was just reading the T&Cs from Barclays it says only one return fee per day or 3 per month...so how come i have had 2 a day and up to 5 a month?????

now that sounds unlawfull

[maforduk]

Just checked mine and I have received only one per day and 3 per month...until I got over half way down and noticed that they have charged me 4 times in one month. April 2005

[maisielou]

Well i would think if we ended up in court that has to be in our favour:)

[maforduk]

Well i would think if we ended up in court that has to be in our favour:)

 

I just checked the Leaflet called "Our bank charges explained" from Barclays.

It states that:

a) Unpaid Fee :-

If you go overdrawn without agreement or if you exceed your agreed limit we may return your cheques, standing orders or Direct debits.

 

b) Paid referral Fee :-

A Paid Referral Fee is charges when you go above your Paid Referral Buffer. You will not incur more than 3 fees within any monthly charging period.

 

This in turn suggests that as my charges were dated the 15th Apr, 20th Apr, 21st Apr and the 25th Apr, my charges were correct and were only 3 per monthly charging period. I rang up and asked what my charging period was, they said it was the 23rd. Hence 15th, 20th & 21st are 3 for that month and the 25th went onto the next month.

 

What I will do now is check my statements and see if that charge came out of my account at the correct time.

i.e. "A Paid Referral Fee is charged the day after a payment has caused your account to go over your Paid Referral Buffer."

 

So, this is no good if I produce this to the courts. It may be different however in your case.

 

Hope that this helps you.

Mark.

[maisielou]

will have another look at mine thanks;)

[maisielou]

just had another look at mine.if they go from the 23rd..........22nd

23rd nov 1 paid ref

25th nov 1 paid ref

25th nov 1 paid ref

20th dec 1 paid ref

22nd dec 1 paid ref

i make that 2 to many????

[maforduk]

just had another look at mine.if they go from the 23rd..........22nd

23rd nov 1 paid ref

25th nov 1 paid ref

25th nov 1 paid ref

20th dec 1 paid ref

22nd dec 1 paid ref

i make that 2 to many????

 

I think you mis-understood. The Monthy Charging Period for you account may be differend to mine, it depends on what date you requested Barclays to send you the Statements and that the charging period starts TWO DAYS BEFORE the statement date.

i.e. My statement date is from the 25th to the 24th which means that the Charging period starts on the 23rd.

Sorry if this in confusing.

Find out your charging period first, here is the number to ring: 08457 555 555 customer services.

[maisielou]

Right i phone and actually got through!!!!!!!!!!!! mine goes from the 18th of the month will have to have another look

thank you

[maforduk]

Right i phone and actually got through!!!!!!!!!!!! mine goes from the 18th of the month will have to have another look

thank you

When you say from, is that the statement start date or the charging start date?

[maisielou]

sorry my statement starts on the 18th and the charges start 2 days before so that the 16th but whatever way im still getting 4 or 5 charges some months

[maforduk]

sorry my statement starts on the 18th and the charges start 2 days before so that the 16th but whatever way im still getting 4 or 5 charges some months

Are the all Paid Referral Fees though?

If there Unpaid Fees, there is no limit on these on how many you can get charged!

According to their Charges booklet anyway, I can't see any limits!

[maisielou]

yes they are.....plus ive also got some unpaid dd..............now i feel really bad lol:o

[maforduk]

just had another look at mine.if they go from the 23rd..........22nd

23rd nov 1 paid ref

25th nov 1 paid ref

25th nov 1 paid ref

20th dec 1 paid ref

22nd dec 1 paid ref

i make that 2 to many????

 

Looking back at the charges, the only thing that you can get them for if they are the same charges. i.e. Paid Referral Fees or Unpaid Fee, is that the 25th November has been charged Twice.

They can only charge you a MAX of once per day.

They are correct however regarding the Monthly Charging Period for your account.

This I think we can use to our advantage to force them in admitting that the charges are automated etc otherwise if they were manually entered it would take alot of personnel to search each customer's files for their monthly charge and then to work out how many charges you have incurred per day and per monthly charging period. We got them.

[Guest Lueeze]

I spoke to a DPA manager there and she totally admitted they are automated. I dont think any bank will try to argue that line anymore, maybe they have given up?! LOL!

[maisielou]

yes .2 paid ref on the same day and also 2 unpaid dd a day later:mad:

[maforduk]

Where by are te Unpaid DD a day later? I don't see them on the list of dates that you posted.

[maisielou]

no i only put the paid ref.that was a bad month lol