Took my card - Can't withdraw

[soundman]

Today I filed the Court Claim for £2,635 of charges (£3,126 with interest) against Barclays Bank. When I got back home something dawned on me. When I eventually get my charges back I won't be able to draw out the cash. It's not a big problem
but Let me explain...
About 3 years ago I went overdrawn (direct debits) without an overdraft for maybe around £200. This had happened occasionally but I always repaid it within 2 or 3 days, accepted the carges and they didn't bother, but on this occasion I got a letter telling me to tear up my Electron Card and Chq book and return them immediately otherwise they will close my account and go to court blah blah.

So I returned the card and chq book and haven't had one since. There is no way I can draw cash out, only pay it in. I haven't really bothered as I ended up just using this account for direct debits and for shunting money on to my barclaycard via the internet.

But I just realised that I'd better apply for a cash card now-ish so that I can at least draw some cash out when the time comes.

Has anyone ever heard of a situation like this where a bank has left a customer with no way of drawing cash for 3 years. I'd be interested to hear what any of you think about it and have the bank dishonoured anything within their contract for doing this?

[ian1969uk]

You would need to withdraw it over the counter. There's no way you can have an operational account with a credit balance and they can tell you that you can't access the money.

[Sim]

If they will not give you a card or cheque book then - Open another account with another bank that allows internet banking and when the settlement is deposited send it to your new account via internet transfer. :D
:fly:

[solomondogs]

I think I'm about to find out! My bank HSBC cancelled my chip and pin last year after going overdrawn, most of which was made up of penalty charges. Having successfully reclaimed last month, I found this month I needed a cheque book. Applied through my branch, week later a paying in book arrived. Phoned the bank, book had been ordered, with me in 3-4 days. No book by this monday so rang again...same story, definately ordered be with you by thursday. This thursday no book, rang my local branch and lo and behold the cheque book option had been cancelled, I suggested that they uncancel it, which my branch has assured me it has done and a cheque book will be with me no later than wednesday....we shall see!