Why is Bar­clays charg­ing more?

The Daily Telegraph - Your Money - - READERS’ LETTERS -

I am ex­tremely sur­prised that my Bar­clays in­sur­ance pre­mium has risen from £482 last year to a pro­posed £776 this year.

I called the bank and was im­me­di­ately of­fered a £100 re­duc­tion, still sub­stan­tially more than be­fore. De­spite re­peated re­quests, the bank was un­able to ex­plain this mas­sive in­crease. IVAN BROUGHTON, KENT

The pol­icy is pro­vided by Aviva.

Later you man­aged to get a fur­ther £12 lopped off. Then your son-in-law spoke to the bank and the ex­cess was in­creased from £75 to £200 and the “per­sonal be­long­ings away from home” sec­tion re­moved. This brought the pre­mium down to £585.

You had worked for the bank from 1950 un­til 1986, when you be­came one of its pen­sion­ers. Given this con­nec­tion you felt par­tic­u­larly an­noyed when your in­sur­ance pre­mium in­creased. Bar­clays told me it had re­alised when you first called that a loy­alty dis­count had been over­looked. This ac­counts for the £100 dif­fer­ence that had been corrected then.

How­ever, when in­ves­ti­gat­ing the case fur­ther at my in­sti­ga­tion, it turned out that a staff dis­count that had ap­plied to the pol­icy pre­vi­ously had also not been al­lowed for.

This now brought the pre­mium down to £432.

A Bar­clays spokesman told me that this had been con­firmed to you. He added: “We apol­o­gise for any in­con­ve­nience caused and have of­fered Mr Broughton a ges­ture of good­will of £50.”

How­ever, when I spoke to you, you had heard noth­ing of this lat­est de­vel­op­ment.

When you did, you paid the full yearly amount. Then you re­ceived an au­to­mat­i­cally gen­er­ated let­ter about a monthly pay­ment plan. Be­cause of this ad­di­tional mix-up, a fur­ther £25 is be­ing sent. As another good­will ges­ture the “per­sonal be­long­ings away from home” clause has been put back into your pol­icy but the higher ex­cess re­mains in place. by their ex-land­lady but she isn’t pay­ing it. What should they do next? TC, EAST YORKS

Nei­ther of th­ese let­ter writ­ers pro­vided the tele­phone num­ber that we ask for be­low, so I haven’t been able to call to ex­plain that I do not take on cases in­volv­ing third par­ties – ex­cept in very ex­cep­tional cir­cum­stances.

No such cir­cum­stances seem to ap­ply in ei­ther of th­ese cases – and the sec­ond one is about some­thing I prob­a­bly would not have taken on in any event.

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