Barclays going at it again. Account on credit, and returned cheques

I don’t normally insult or use swear words, but I think Barclays deserve to be called Bastayrds out loud.

The reason is no other than the fact that the Bastayrds did it again. A while ago I had a go for their twisted ways of playing the hours in a day and poor product knowledge at a branch level (On Barclays profiteering…)

Back then they told me that a pound paid in on a day at 0:01AM didn’t count towards paying direct debits that arrived that same day, as they said the money should’ve been in the account the day before. They direct me to their account’s T&Cs and somehow unsuccessfully tried to tell me that there was nothing they could do as the direct debits were run from a different company.

Fast forward 10 months later. Lesson learnt, we paid a supplier with two cheques, one for £500 and another one for £1,219.50. To make sure there were funds in the account on September 2 we transferred into the business account £1,719.50 from the Bastayrds savings account. If you want to follow the story, you can check the bank statement below:

BarclaysStatement

So by the end of September, there were £2,300.85 in the account. The bank statement above shows so, but for some strange reason, the cheques that on September 4, appeared as paid, today appear as unpaid even though there were funds in the account.

Now, again I haven’t got the slightiest idea why this happened. The supplier hasn’t contacted me yet (it’s currently Saturday night) but I know we are at it again.

As you can see, today is September 5 and there is a standing order for £90.02 due on Monday. Guess whose standing order this is? A Barclayloan.

Am I allowed to think that since we don’t have an overdraft facility, they cancelled the returned the cheques to make sure that THEY were getting paid?

I am mad, very mad. Again.

Again I have to waste emotional energy in trying not to shout, not to get angry, not to swear at a Barclays brainless staff member because, after all, they ARE brainless. Someone told me once that they train their branch staff “not to make decisions.” Urban legend? I don’t know, but it surely fits my picture of reality. How long am I going to waste on this? Any second is too long. And I still haven’t seen their returned cheque charges.

.calvin

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