Twice usually does the trick for these sorts of bots. RBS is the same. The loop is annoying but it shouldn’t be infinite.
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Thanks for posting. Been waiting for this for ages too
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Looks like a loyalty card with all them circles.
Collect all 39 stamps
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So a further update on my saga with Barclays and Cifas Protective Registration.
Since I’ve been in branch and told the hard credit search has not been carried out I found out that the advice I received was incorrect and I have in fact been hard searched. Submitted a complaint which was pretty quickly resolved. They upheld that I received incorrect advice and offered £50 compensation but that they can’t remove the hard search. I said I’m happy with that – how much can an extra (non-credit related) hard search mean, anyway?
If I take it to the Ombudsman, the search will fall off naturally before they even look at it!
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Well technically they can, just don’t want to. Seems petty, but unsure of the impact vs the £50.
Would that hard search cause you to lose out on more favourable upcoming rates ie mortgage etc if you were to apply?
Lloyds were always lenient on removing hard searches (from working for them), whereas other banks don’t seem to be so flexible.
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I’m not due a remortgage for another couple of years, and my only planned hard searches for the rest of the year are an iPhone upgrade programme loan, Flex (possibly), and maybe one more current account 
I know they could remove it if they wanted to, and that would be my ideal outcome, but not sure where else within the bank I could take it. The ombudsman is probably super backlogged so by the time they get around it it would probably fall off anyway.
NatWest agreed to remove one recently because their application form wasn’t clear (details in another thread)
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I would say it’s more about the principal around it tbf. Even just getting them a slap on the wrists would be worth it.
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Can I both take the £50 and refer them to the Ombudsman?
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Yes, you have up to 6 months from the final response to take it to the ombudsman for review.
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Even if I want to keep the £50? I might do, but also don’t want to piss them off (and it’s a bit of a he said she said situation given the advice I acted on was only given verbally, in person, so not even a recording to prove)
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Yeah you can still keep it, their final response was here, take £50 and that’s the end of it from us.
The letter should also state your rights to take it to the ombudsman and they aren’t going to say give them the money back in a case like this.
My understanding, and I could be wrong, is the ombudsman can only give a view on what is fair for both sides, and you choose which you prefer to settle on if they feel Barclays weren’t fair enough, they could also say they’ve been too fair, and an apology would suffice (you’d still keep the £50), unless you agreed with the ombudsman and wanted (by choice) to pay the goodwill back.
The latter is unlikely to ever happen in most instances 
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A very divided opinion from this I’m sure.
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This.
I would agree that it would be unwise to rely on an overdraft as your only financial security but access to reasonably affordable borrowing (overdraft or credit card, for example) might be enough to help you through unexpected crises like cars or white goods failing, or a month without a pay cheque for whatever reason.
Yes, you are pushing your problems down the line, but sometimes that is sensible and manageable.
It would be preferable to have savings rather than borrowing more but not everyone can afford this.
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Never ever had one.
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Having clicked the link, it’s not as bad as I expected. I thought it was going to be “We’ve taken your overdraft away, when you get paid it will have to pay it off” etc
But…
One customer, Juliette Taylor, had a £1,500 overdraft and has banked with Barclays for 33 years.
But a letter from the bank in April said it had been removed because she had not used it over the past 12 months.
If you’ve never used it, then you don’t really need it. I know you never know when you’re likely to have a problem and it provides that safety net, but that’s how it goes.
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Pretty sure Monzo did something similar in the past - if you applied, had one, and never dipped into it, they removed it from people?
I’ve had an arranged overdraft set up since I opened my account (4+ years), never used it once, but it’s still there.
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I’m just glad Santander never removed mine from my student account (although I am aware rules are likely different due to it being a student account). Only used it for the first time in nearly 2 years a few weeks ago.
You can pay people using Siri with Barclays. That’s really cool.