AAAAh banks i hate barclays

[nitromad]

just an quick rant if i may

i just changed banks becuase of barclays running the oddist system ive seen.

basicly debit card use isn't removed from yr accound right away !!!! so u think ah i got £200 great i need this that what ever but after 4 days u sudderly down on your balance than you thought or in my case overdrawn or an direct debit declinded and charged for not enough funds.

so i go into local branch ask what going on told me its cuz of an card payment i made last week !! i was lost for word i said surly once i pay via debit card that amount is then withheld til payment made (like all rest of banks) her reply "oh no sir standard for all banks it your own fault for not keeping track of your spendage" .......ok i said i got an £10 MAX overdraft how the hell am im at £140 over draft !!! again it my fault for not keeping track and they had to pay the promised funds.. my reply was so why the heck didn't you refuse the damm card when i tried to use it !!!!!. again reply was they do bla bla . so day before i closed the account i had £10 left in it i thought HUMMMMMM and guess what i ordered 3 "items" with my debit card one per day cost of £20 result end of the 3 days i was overdrawn 50 pounds. point this out to barclays to be told i got write everything down so i knopw what money i got ?!?! .all this came from above resulting in my getting into debt cuz of missed direct debits payment.


AHHHH i hate banks specially barclays

[Mslater]

Don't give up - their system should have declined the card as you went passed your overdraft limit.

Ring them up - tell them you are not happy with their response and would like a reference for the original call and the ombudsmans details. If your phone call puts you into foreign lands just hang up they will never understand what you are talking about. Instead go into your branch and do the same. - you'll get the charges back and (in my case) a case of 5 wines (but there again they really did **** my account up properly)

[nitromad]

thanks for reply but after the 7 time of it happening even with complaints i made about it and beening told to "mangage my money better" i just had to move banks after all the last co^kup was refusment of my car insurance direct debit !! so just had to dig into saving to pay the full outstanding amount before i was marked with insurancers for non payment :( (first year on my insurance too ) plus with my illness the stress nearly gave me an free 14 day stay in local sercure hotel. but thankfully new bank is 10000000000000000... (u get it) times better.

gavin

[James A]

I had one of these on my credit card when I used it for a large company purchase. Anyway they let me make a single payment that on its own exceeded my credit limit by a couple of grand and then tried to charge me for exceeding my limit. They at least did see the issue with what they were doing and refunded the charge. I guess the difference there is my spending earns them money so they want to be nice.

[thomas-ralph]

I had the same problem with llyods thought i had anoth for derict debit and there wasnt.
But they let the payment go through and they closed my account :(

[Mutley]

This was the reason I moved from sharkleys, cant believe that systems still in place, but both me and my sister fell fowl it multiple times and in the end we moved, I'm now with lloyds and couldn't be happier and she's with nat west

I actually left because of fraud, I was issued a new card a yr prior then funds started disappearing, the odd patent here and there but mostly cash withdrawals, long story short the card issued against my account was' t even registered on the barclays system but could only of been issued internally.

I'd move if I were u