i asked for an over draft on my account and ive been refused

I havent got money to burn so when i get overdrawn over £6 thay slap a £30 charge on me. Im getting pi55ed of with it now. Theyve done it about 4 times now.
Im going to see them tommorow and threaten to change banks, I just cant afford to waste money like this. Its not helping me get back on my feet.

Any suggestions for decentish bank would be helpful.
Cheers steve

 

barclays is the worst ****in bank in the world.

 

been with barclays for years, tbh i would change if they all wernt the same.

had my overdraft removed because i didn't use it for 6 months. only had it set up in case of emergencies, dim fools. only found out when i got charged for going £15 into it, or what i thought it was, so i rang them and had a right go, got refund back.

 

barclays w*nk

Closed my account with them shortly after finishing my degree after finding out first hand how totally crap and incompetent they are.
Will never get my banking custom ever again!

Had absolutely no problems with Nationwide- have been with them a long time.

 

A few years back i changed my standard barclays account to there gold version. I think i paid £5 a month for the gold account, but what i did get was a free £500 overdraft facility aswell as other things like a free 'will' service.
I cancelled it after a month, once i had got my 'will' sorted, and the free £500 overdraft has stayed on. I've used it on several occasions and have never been charged.

dp

 

first direct - excellent bank

 

Probably a good reason for that. Poor credit record in the past?

Keep a better control of your finances so you don't go overdrawn then

Change banks then. No point coming on here and whinging to us about it. Think you'll find though that all banks have fairly hefty charges for unauthorised overdrafts and for a good reason to stop you spending money that doesn't belong to you. If you're lucky you may find a new bank that will allow you an overdraft, but I'm guessing your credit score is pretty low so good luck finding one.

Try moneysavingexpert.co.uk and then moneysupermarket.com etc. Probably find a lot more useful advice than coming on here and moaning.

HTH

CD

 

If you have a mortgage, get a One Account. You can then use any equity you have (up to your agreed amount) as log as it is all paid back before you retire.

If you want one and want to save £125, let me know via PM and I can recommend you (helps me out too)

 

I've always received excellent service from Barclays, maybe it depends on your branch and local account managers.

If I moved it would probably be to Nationwide as they seem to be about the best in terms of charging fees.

 

Barclays seem to devote all their time to offering me loans.

I think most banks are the same generally and despite promises a change to a new bank will be simple,I couldn't face the thought of the incompetents trying to carry out that simple procedure.

 

Barclays offered me a £4k overdraft if I wanted it!

 

Ha ha
had nothing but problems with First Direct !, Lots of problems with them not updating details / getting direct debits correct.
They kept sending warning messaage re my account overdrawn to my old address and wonder why did not reply / call etc. They never thought once to ring either of the contact nos they have which have never changed ! Never once applogised for their mistakes !
Closed the account the next day.
Using Smile and Natwest - No problems so far (apart from a debit card which did not work from day one - replaced within 3 days and £20 appologies !)

Richard

 

I agree barclays are crap!
Have thought about changing myself, but i get the impression all banks are crap.
I know an unemployed girl who has a larger overdraft than me, and has been given a loan, despite no job....wheres the sense in that??

 

In the past 12 months i have had nothing but crap service from barclays.Its gotten worse in the past 3 weeks,I've made numerous complaints to them and finally received some compensation for them messing me about.I got my account credited with £50,but thats not stopping me from changing banks.the one thing i would say about barclays to people is STEER CLEAR!!!!


rant over

 

I should keep better track but I'm a bit rubbish with managing money and first direct are rip off merchants on charges.
If you have a DD that takes you over limit and they pay it, they charge 30 quid overdraft fee.

If they bounce the DD, they charge you 37.50 to recall it and it's pretty arbitrary whether they pay it or not.

They're all as bad as each other tbh.

 

First Direct are awesome, been with them for years! Far & away the most refreshing Bank out there. Always friendly & helpful ... every time they've warned me of an OD fee I've just called them up & they've cancelled it.

Was with Barclays at Uni & they were shocking ... moved away straight after Uni finished & I started earning some real money

TX.

 

got talked into a barclays sweeper account that takes £100 from one account and puts into a higher rate, BARCLAYS account once per month, until BARCLAYS took the £100 making me overdrawn and then charging me £40 for the pleasure, (thats £40 from one BARCLAYS account to another BARCLAYS account, so barclays still had my money). called them and was told i should control my finances better!!
went into the branch, made a fuss and got the money back.

 

I have a £300 free overdraft with Barclays, I accidentally went over it a few months back and they sent me a letter saying that as this was the first time it had happened and I was such a good customer they would waive the fee.

 

im going to pop intoday and see if i can get an overdraft. If not it looks like ill be looking fo another bank. Yes im tryin to keep control of my finances but it doesnt help when i keep getting charged £30 for being overdrawn.
Lets just see how it goes

 

Read this:
http://www.moneysavingexpert.com/cgi...41050760,24632,

Now trying it with Smile myself (had a few MAJOR cash-flow problems and would hate to think what I have paid in charges in the last 6 years!)

 

Ive registered on the site. Now i have to get my head round it all and see what happens.
Thanks for the replies

BTW, refused agian.

 

Sell the scoob (if you have one) then you wont go overdrawn

 

Already done mate. How much do you think ill get for my cats?

 

"the computer says no!"

The human decision making element has gone out of banking.

IMHO all the hightstreet baks are pretty much the same, i think you have answered you won question

Overdraft + low interest on the balance, going overdrawn + 30.00 - cher-ching!

Now then what earns the most for them and their share holders?

 

Very correct.

I have been with Barclays for years and,sometimes they p!ssed me off,sometimes they were great.
Overdraft depends upon the credit history with your account itself.If you have regular money coming into your account to cover that,it shouldn't be a problem.Have you tried going Additions Plus with Barclays,Watto?Many benefits with that e.g. car breakdown etc. and,you get free overdraft facility.
You have to pay a little monthly fee to upgrade your account to the Additions Plus account.

 

Strangly enough. I wasnt offered that. mmmmmmmmm.

I have been with barclays for 20 odd years and had an overdraft before. But since i split with the evil one (wife) i had to st up new accounts. Wounder if ive had to start a fresh?

 

Slightly off topic but.......

A guy i know was terminally ill and had severel credit cards, owed approx £20k.

Went to the bank for advice when he was told he was dying, they gave him a loan to clear the debts but had no life cover.....despite the fact his cards all had the life cover included. They told him this was the best thing to do

Has now passed away, and now his family are now seeking legal advice against the bank.

Not sure which bank it was, but is very shocking