Help, Barclays ignoring complaint AND wont cancel CPAs?

[winjas]

Really need some help Niddy and team please with some letters etc? As you say taking the fight back to bank, could use your advice.
Following on from previous topics quick summary here before nitty gritty of todays letter:

Got into stupid mess with a few Payday Loans after Barclays refused me a simple £100 overdraft (but did suggest i tried Wonga!) and well it all just spiralled frankly.. I opened new banking with Halifax and moved my wages so money safely ring-fenced. Before i even have had chance to email the PDLs or cancel anything lovely Barclays allowed 2-3 PDL payments go through even though my account has no overdraft and had £1.27 in it! Short story my account that was "in the black" is now nearly £300 into unauthorised overdraft.

Wrote to both local branch and Barclays HQ complaining that my account has no line of credit as they themselves decided, and as CPAs are not "guaranteed" payments like hotels etc they shouldn't have been processed and must be reversed at once, i also stated that i wanted all CPAs and payments stopped with immediate effect under the 2009 finance regulations (sp?). I sent those complaints recorded mail on 27th Nov.

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Ok, so today i get 4 separate letters from barclays (how carbon friendly!) the first 3 are all identical with different PDL companies at the top. Summarising the letters it basically states thank you for requesting to cancel a CPA with XYZ, we will contact ask XYZ to request they cancel the CPA, they may refuse to do so and the process of reply can be up to 31days, and any payments made in that time are MY responsibility.

So in essence even though i stated in recorded letters to cancel CPAs under regulations, Barclays are basically stating "well, we ask XYZ if they don't mind cancelling them but no promises"

WTF no.1

Ok, so the 4th letter was from Barlcays HQ regarding my actual complaint, again i try and summarise (happy to copy letters to anyone for help, but dont have scanner at home):

"Dear sir, thanks for complaint. Firstly our staff advised you to try Wonga as helpful service to customers to suggest other solutions of help if Barclays was unable to offer overdraft. The choice to enter into agreement with XYZ was your choice and not Barclays responsibility. We will not compensate or even apologise in any way for your own financial choices sir. Furthermore we consider this matter closed and our final findings on the matter. Should you wish to continue to cancel the CPAs you maybe able to do so via relevant dept and should contact them."

WTF no.2

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I am at a loss for words really, firstly i never asked for any compensation anyway, just that the payments shouldn't have been allowed as my account was empty and have no overdraft facilities and that i wanted to see those payments reversed and my account back to its £1.27 balance.

But all i get is Barclays essentially saying "go jump, sod off, HAHA" and "if your lucky those CPAs might get stopped, else tough luck bud".. Thats my interpretation of Barclays response sadly.

So what to do? Firstly i want those CPAs dead and buried, aren't they under law obliged to cancel as i said so? Not "politely" ask the PDLs if they kindly wouldn't mind doing so.

Need to write a response in reply, but to who, which dept? what do i state.. in meantime i dont plan on paying a penny towards the near £300 overdrawn balance they have created.
Thanks all, sorry its so long..

PS: this is just the bank, haven't even started on the PDLs yet...

[winjas]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Surprised at thsi helpful forum tbh... 3days and nothing :-(
Consumer revenge, with a chance to take fight back to Banks and nobody, about my third topic with no replies.

[Never-In-Doubt]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Surprised at thsi helpful forum tbh... 3days and nothing :-(
Consumer revenge, with a chance to take fight back to Banks and nobody, about my third topic with no replies.

Its weekend and the forum is slightly quieter. I am extremely busy right now but when I get time I will look in, nothing can happen today so don't worry we'll post back shortly...

[winjas]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks Niddy, sorry hate to be a topic bumper.. Just use some advice. Ta

[Never-In-Doubt]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Regards the charges and the CPA's, in order to utilise CPA Protection you need to first cancel them by notifying the bank - did you do this? If not, the fact they paid them is bye-the-bye, you have no legs to stand on as you must inform the bank that you wish all CPA's (and name the firms) to be cancelled for any effect to be in place.

The charges you'll get from Barclays will be less than the PDL's so to be fair I can only suggest you try and get Barclays to hold any charges and come to a payment arrangement.....

Sorry but not much else you can do, unless you notifed Barclays that you wanted the CPA cancelled either verbally or by letter...

[Riz]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Essential reading ---> Paul Lewis Money: THE CONTINUOUS PAYMENTS RACKET

[Never-In-Doubt]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Essential reading ---> Paul Lewis Money: THE CONTINUOUS PAYMENTS RACKET

Excellent, sadly you do need to notify the bank first

If you agree to make a payment or series of payments on your debit or credit card you can cancel future payments by telling your bank or card provider.

[ken100464]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Think you will find unless someone is comfortable giving advice we tend not to.

This is unlike some forums where you would have been advised to check your credit file and take everyone to court including yourself.

It is very much self help the more you learn the better you help yourself.

PDL's although a growing problem isnt something many on the forum have much knowledge of. One or two do but as Niddy has said maybe its the weekend and they not been about.

We therefore dont advise on something that could lead you into something thats worse.

I briefly read up on the old CCCS website and CPA's that are cancelled should be honoured as cancelled by the bank.

But that is as far as I got as this isnt the problem here. Hence I didnt wish to say anything.

It doesnt help I know but might explain why there is lack of a response.

[winjas]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks, so how about Barclays attitude of "we will ask them to cancel the CPAs but no promises and could take weeks" (paraphrasing). I told them in writing by recorded mail to cancel them and there response is "well, we will ask but PDLs may not cancel them" as per my OP

[Riz]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks, so how about Barclays attitude of "we will ask them to cancel the CPAs but no promises and could take weeks" (paraphrasing). I told them in writing by recorded mail to cancel them and there response is "well, we will ask but PDLs may not cancel them" as per my OP

That is utter twaddle.

If you ask them to cancel then they must do so. Any transactions after the time-scales set down in the PSR2009 are unauthorised and must be refunded.

[Never-In-Doubt]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks, so how about Barclays attitude of "we will ask them to cancel the CPAs but no promises and could take weeks" (paraphrasing). I told them in writing by recorded mail to cancel them and there response is "well, we will ask but PDLs may not cancel them" as per my OP

See now that changes things - as per Rizzle's reply above. So if they have said that then you will get it all refunded along with all unauthorised OD fees etc.....

[ken100464]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Think its clear from Rizzles attachment that Barclays have it wrong.

But only from the moment you cancelled it.

Yes their attitude stinks but its a bank, they get off on crap customer service.

In the time I have been dealing with this shyster industry you have to learn to use the internet as your friend to research and put a good letter together. But that means work and research.

If it was me would read up Rizzles attachment. Find out the FSA interpretation and quote that to Andrew Jenkins, Barclays CEO, in your complaint. Not an email but by recorded delivery. (Thats my preferred method. Have had good results every time)

If you want the letter reviewed then post it up someone will check it over.

Also think what you are really complaining about. The CPA's or the overdraft?

To me the CPA issue isnt Barclays fault until you told them. Overdrafts are not something I know alot about. But do know you can get an unauthorised one.

Just means the bank makes more out of you.

So from the banks point of view you hadnt cancelled the CPA's and that has put you into money time for them.

[ScabHunter]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Sorry winjas I did mean to reply to this thread when I first saw it, but I've been living on less than four hours kip a night this week and just couldn't get round to it.

Yes, you need to tell the bank about cancelling CPAs. The only hope you've got here is that Sharklays appear to want to shoot themselves in the foot, both by the rude, and extremely offensive and patronising, way they are dealing with a customer, and from the more important fact that they are now breaking the law.

You have evidence of their arrogance and unlawful conduct in these letters telling you that they will "ask XYZ to cancel them but no promises". Bollocks. If you write to a bank cancelling a CPA, they have to action it.

This gives you a genuine reason to escalate a complaint to the Fobbing Off Service, which will cost the bank more in a mediation fee than the amounts of money they are trying to unlawfully extract. Of course, you have no right to complain about the payments which were taken out before you wrote to Sharklays to stop the CPA.

In attempting to negotiate with Sharklays, you can always use the argument that you had no overdraft facilities and that the bank therefore acted improperly in forcing an unauthorised overdraft upon you. The crux of the complaint, however, must be the refusal to comply with the legislation once you requested cancellation of the CPAs. Go straight to the CEO, don't waste time arguing with the arse lickers who are programmed to be abusive and just to fob off everyone whether the complaint is justified or not.

Knowing banks, they would probably sooner eat the £500 than actually try to treat a customer like a human being, but you can only try.

This is unlike some forums where you would have been advised to check your credit file and take everyone to court including yourself.

I love that comment Ken! I Cannot Always Guess which forum you might be referring to, as I am Confused And Gormless. However, as I Collect And Gather my thoughts, I feel it may be one with Coherent Advice, Gone!

SH

[winjas]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks all. will look at drafting a letter as suggested.
And be watching my account for any payments allowed since i sent my cancellation letter!

[Never-In-Doubt]

Re: Help, Barclays ignoring complaint AND wont cancel CPAs?

Thanks all. will look at drafting a letter as suggested.
And be watching my account for any payments allowed since i sent my cancellation letter!

See all good things come to those whom wait

But seriously, see how you get on and if you get shit let us know and we'll help as best we can