My fella had loads of issues with BANK too BUT I've been with them for 12 years and they've been nothing but great for me - though nice one for the heads up .. I'll keep my eyes open :D
xx Sorry to hear about all the cr@p you're going through with them xx

They had confirmed with the CAB that it had been sorted so I'm just sick of it now. I've checked out my legal rights about bailiffs coming around and by all accounts they can't come in without a court order so I'm going to let them carry on being muppets. They can't take away my worldly possessions so stuff them. Its just so maddening how they can get away with it all the time and us little people have to suffer for it. If I needed any credit to pay for the wedding I wouldn't be able to get it now because of them.

i dispise tsb they r d***s lyk i moved 2 barclays and they r awsum i have not had any bother off them in the 4years iv been wid them but as soon as i opend my tsb account there was nothing but hassle xx

id check with experian tho to be on the safe side hun incase its affected ur credit score! xx

Runs to make a call to friend who works in fraud squad

barclays did a similar thing with my mum when she split with her ex they had a jointa account his name was taken off it and all cheque books canceled 2 months later hes sending off cheques here there and everywhere for over 500 quid out comes 500quid leavin mum 300 OD pluse feck knows how many bank charges ended up nearly 1000 OD we got it all back for her in the end but took weeks

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If anyone has any problems/questions/queries relating to debt collection etc, then im happy to help.

There's not a lot i dont know about Bailiff law and your rights....I have them for breakfast lol

PM me if you feel its too personal to post in the forum

Jeesus hun good luck with getting this all sorted I would be throttling them and then suing them for emotional stress those jerks xxx

raekim84 ive added you

Bluerinse I had the same problems with Barclays when I changed my job and started working all over the place. What happens is the system takes an average of what you usually spend on your card and if it picks up high volumes of payments or unusual transactions like all over the UK then it puts a block on it. You have to ring them up to get it taken off again. Once it gets used to your new spending habits it will stop. Its just to safeguard you from fraud although its annoying when your in a shop and it gets refussed.

OMG Jo! Thats shocking! God i don't know what i'd do if that happened to me, just glad my banks are great and deal with thing in the snap on a finger! Hope you manage to get it sorted once and for all xx

The thing that got me was when I phoned up apparently I had failed security..... So that got my ****up even thou everything I had said was true....stupid foreign call centre...... Thankfully my card is un blocked now and I can now finish paying deposits for this wedding which is becoming a nightmare!! Iv told them I will be making a lot of big payments in the near future.... They said ok...I was just embarrassed it got declined for 3.79 in the garage when I knew I had money lol xx

hi, i work for a (gulp) bank in card services. just to make you aware (and i can only advise how we deal with things), if you advised us you were going overseas it makes no difference to the fraud detection system. the reason for this is, if your card is cloned, which can happen without your knowledge, then huge spending comes out of your account and you are unaware whilst on your jollies and the fraud system doesnt flag it up cos youve told em you were on hols then you'd be pretty annoyed it hadnt picked it up. its far better to be subject to security checks to ascertain its a genuine transaction than to have fraud. if your on your hols still then your card would have to be stopped and you may then be left without a card to use which can ruin your hol. the best thing to do when overseas is to ensure you have other forms of payment and not to rely on just 1 card. there are many reasons why cards are declined/referred and its there to protect the customer as well as the bank. fraud detection systems save millions each year in fraud. also most referred transactions are seen to be declined only because the retailer cba to ring to gain authorisation. the only time we will decline is mostly wrong card info entered by retailer or customer. the fraud detection system, even if its got used to your new pattern of spend is not excluded from security checks. fraud patterns changes on a daily basis and the fraud system also takes many other spending into consideration. its not often declines are due to insufficient funds. with regards to the bank you're referring to (not my employee) and your credit rating, as they have made the mistake, they have to sort out the issue's re experian. the correct way is to complain to the bank, they have 8 weeks i think it is (not my dept so only guessing) to sort it out for you, they have to report your complaint to fsa i think it is who audit your complaint. the financial ombudsman will intervene once you've gone through the correct chanels with the bank. sometimes tho they will intervene to tell the bank youve complained to them which should make them get their bum into gear. banks are not all bad ya know but it is a business and if funds are borrowed without asking then fee's are usually incurred. right, ill just stand in front of the firing squad now lol. hope ive not bamboozled too much and hope it makes sense but bear in mind i can only advise how we deal with things x

was it a continuous authority?