Expired

Barclays Bank charges

8
Found 28th Oct 2013
Does anyone have a Barclays account? I've been going over my mum's bank and she told me about these two charges "Accidental Death Cvr" and "Accidental Cash Plan" she has said she had tried to stop them before but Barclays couldn't do it?!? So she has just left it (she's not very good with money)

So I download all the reports going back as far as I could, Jul 2010, highlighted and printed off every one of these charges, they are 10.85 and 13.60 taken once a month, there is at least £929.10 worth of charges, probably more.

Has anyone been able to claim them back? People online are talking about it as though its like PPI. She also had £499 in account charges although she agreed to this apparently as it included benefits like mobile insurance (but she never registered her mobile with it) It boggles my mind how she can be so wasteful especially as now she doesn't get much money from her job. If we could get £900 back it would be great.
Community Updates
AskBarclays
8 Comments
Mod
I don't think these are bank charges as such but payment for insurance policies. She needs to find out who the policies are with and cancel with them.

Getting these refunded will be slim to nil imho.

If she instructs barclays to cancel future payments then they must comply with the request. Don't let them fob you off. Doing this will not cancel the policies though!
IIRC there is a telephone number beside these items on the statements (0800/0844/0845 number), simply call that number and get it cancelled, she will need to be the one who calls.

As to if it's been mis-sold that's a question you first need to ask yourself honestly was it really mis-sold or has your mum just not been arsed to cancel it/took it and forgotten it about it. It certainly sounds like its not from what you suggest.
Original Poster
Astec123

IIRC there is a telephone number beside these items on the statements … IIRC there is a telephone number beside these items on the statements (0800/0844/0845 number), simply call that number and get it cancelled, she will need to be the one who calls. As to if it's been mis-sold that's a question you first need to ask yourself honestly was it really mis-sold or has your mum just not been arsed to cancel it/took it and forgotten it about it. It certainly sounds like its not from what you suggest.



I just had a look and there is no telephone number beside them on the statements.

I assumed it was somehow connected to Barclays because I'm pretty sure she wouldn't have signed up for any accidental death cover unless she was talked into it somehow when she opened the account. You could say well she got a service for the money paid, but we have no paperwork or way to contact whoever are taking these payments, if she did have an accidental death or whatever this insurance is for we wouldn't be able to claim anyway.

I'm not really sure what the definition of "mis-sold" is really? I assume it means they just add it without even asking the customer? I doubt she could remember whether it was mis-sold or she was talked into it, whether we can get any money back is one thing but really we need to just find out what it is and stop it first.

Thanks for help I'm going to write on MSE forums too
Edited by: "Zek" 28th Oct 2013
Banned
cancel the direct debits online if they are there

the companies will soon write to her asking why
Original Poster
csiman

cancel the direct debits online if they are therethe companies will soon … cancel the direct debits online if they are therethe companies will soon write to her asking why



Yeah I would have done that, only they don't show up as a direct debit or standing order.
Banned
Zek

Yeah I would have done that, only they don't show up as a direct debit or … Yeah I would have done that, only they don't show up as a direct debit or standing order.


guess it must be a CPA then

"These payments are officially called Continuous Payment Authorities (CPAs). You give the long card number to an organisation (not your sort code and account number), to take regular payments via your card.

Banks that have failed to cancel a regular payment on a credit or debit card when asked over recent years will now have to refund customers for all subsequent charges. So it's important you claim back this cash, if owed.

Recurring payments (also called continuous payment authorities - CPAs) feel like direct debits but aren't. Often used by payday lenders, porn websites, subscription sites and more, they allow vendors to take money from your card whenever they think they're owed, and they can be a nightmare.

Until 2009, only the company could cancel them, you couldn’t. Yet even though you now have a right to tell your bank to cancel, many bank staff didn’t know this - and still don't - and failed to do so. If you asked them to cancel and they didn’t, you can now reclaim those payments."


moneysavingexpert.com/new…ess
Original Poster
OK, thanks for the information, it may be what they are.
Post a comment
Avatar
@
    Text

    Top Discussions

    Top Merchants