17 June 2022 FOS Decision Barclays
Mervelee Myers the Victim of the Banking Systems
Mervelee Myers Story about Barclays Criminal Platforms aided by the Financial Ombudsman Service must be used to tell the world about why Barclays should be investigated for targeting vulnerable women in their branches and online. My account of Barclays defrauding me must go back to 2004 when I begged the South London Press to tell my story. The story was published on 28 May 2004, and I must put on record that dates are integral to my stories of survival. It is time the world wakes up to the fact that Barclays used sensitive data from my FILE of having physical and mental impairment to target me the second time in their branch on the 27 September 2021.
The FOS tried to stitch me up in 2004 when I complained so will be named with Barclays as Cyberbullying Criminals with the decision. Therefore, I must share information about the pattern of discrimination after the death of my brother. The miscarriages of justice by the Judiciary of England and Wales to cover up 30 years of discrimination against me. The record will show how MM decision not to accept discrimination the second time after the death of my mother led to me made a voiceless, vulnerable victim.
The HMCTS and CPS and CJS and JCIO
The CCMCC and Clerkenwell & Shoreditch County Court
Court Enforcement Services Ltd
MOPAC IOPC Southwark Police Station Walworth Police Station
CLCC
Will brief you when I see you. Was chatting about you (All Positive) with Devon Morgan on Saturday.

There is a Mural at the Blue in Bermondsey and the ideas are going around in my MAD head about how WE can make a project about Living in Bermondsey since December 2000. I heard the funeral for 4 generation from one family is Thursday. But I don’t know where??? I want to attend to do a review of my situation and theirs in terms of was enough done to prevent the SLAUGHTER???

I was sent to see the lead of the Community Project at the Blue. Alarm Bells and Red Flags alerted me when he wants me to send my completed Tribute of a Local Resident to him via emails. These people are CRIMINALS of the Intellectual Property type.

How many BLACK persons do you see in this photo? How they using my Images to build brand and label me.

Mervelee

Sent from Mail for Windows

From: Tony Cealy
Sent: 20 June 2022 08:02
To: Mervelee Myers
Subject: Re: Message to attendees of Elders Adults +Younger performers wanted 4 Windrush Performance Project

Yay 😀

On Mon, 20 Jun 2022 at 07:53, Mervelee Myers ratty.nembhard1956@gmail.com wrote:
Will be there.

Mervelee

Sent from Mail for Windows

From: Tony Cealy
Sent: 19 June 2022 22:04
To: rattynem@btinternet.com
Subject: Message to attendees of Elders Adults +Younger performers wanted 4 Windrush Performance Project

This was sent to you by Tony Cealy 





Looking forward to meeting you this coming Tuesday 21st June at 4pm at Brixton Library.










Elders Adults +Younger performers wanted 4 Windrush Performance Project 

Tuesday, 21 June 2022 from 16:00 to 21:00 (BST)
Brixton Library
Brixton Oval
London SW2 1JQ
United Kingdom

Organised by Tony Cealy

Questions about the event?
Contact the organiser

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—
Arts Development Practitioner Consultant Trainer Producer
• Founder, Director & Producer of 492 Korna Klub the UK’s only weekly improvised radio drama exploring social issues amongst the black community
• Artistic Agitator Fellow Brixton House – connecting strangers & beginning difficult conversations in shared spaces about Brixton and its people
• Co-Founder & Curator of 81 Acts of Exuberant Defiance – a ground-breaking grass-roots project, built from the ground up with over 300 people giving their time and energy for free to make a radical reclaiming of heritage – to imagine, experiment and create new futures. Click here on how to get involved: https://www.facebook.com/watch/live/?v=287694275664249&ref=watch_permalink
• Facilitator & trainer at the Core Learning Group. A project that sets out to envisage how civil society in London might better share resources and power to drive change. https://smk.org.uk/what-we-do/power-project/resource-pinboard/
• Founder of http://theblackmensconsortium.com/ a project that supports Black Men affected by Mental Illness.
• Facilitator & trainer at https://www.ubele.org/ using arts culture & heritage for community development
www.tonycealy.com

oldermensdrama

07956 877358

Final decision reply form
To
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
From or on behalf of
Mrs M Myers
Complaint about Barclays Bank UK PLC
Ombudsman reference PNX-4291934-J9W5
I’ve read the ombudsman’s decision about my complaint. I’ve decided:
Please tick what you would like to do
O To accept the decision – and I understand this means it’s binding on me and
Barclays Bank UK PLC.
O Not to accept the decision – and I understand this means it isn’t binding and my legal
rights aren’t affected.
Signed …………………………………………………… Date …………………….

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Hello Mervelee
Many people think they can spot a scam a mile off. And yes, it’s easy when fake messages contain bad English or clumsy mistakes.
But scammers have upped their game. They’re now impersonating banks, retailers and official organisations using emails and texts that look and sound much more professional.
We’ve never seen scammers being this sophisticated, and they can catch anyone out – even the experts. And the problem is getting worse. Up to 84% of people believe they’ve been targeted directly by scams during the past year.
If you don’t want to be the next victim, be suspicious of every text, email and call you receive, when it comes to your money.
Prevent scams. Stop. Challenge. Protect.

Tony Callaghan’s top tips
Former police chief and fraud expert
Question everything
One of the key skills I’ve learnt is to always ask questions – even if you think it’s a simple request or transaction. A message may look like it’s for a business you’re familiar with, but scammers can easily impersonate companies. Double-checking all the details will help you keep safe.
Work in a team
If you’re ever suspicious that something is not quite as it seems, you should always call for backup, whether it’s from a family member, friend or colleague. Remember, we’ll never ask you to make a payment out of your account to ‘keep it safe’. No bank or reputable organisation would ever ask you to do this.
Take your time
As a police officer, there are times where I have to make a decision in a nanosecond, but generally, you don’t have to make a decision instantly. The same goes in everyday life. Don’t be pressured into making payments from your account. Always ask yourself if it makes sense for a company to be contacting you.
Trust your instinct
And finally, in the force we know to trust our gut: if something seems too good to be true, then it almost always is. Avoid clicking on links in emails and texts, especially if the message is unexpected. If you’re at all suspicious, phone the company using a trusted number to confirm it’s from them.

Latest scam – Covid-19 vaccine passport advance fee scam

This latest email scam claims to be from the NHS. It advises you to click a link to apply for a ‘digital coronavirus passport’. Once through, you’ll be asked for personal and payment details to pay an admin fee. If you receive an email like this, don’t click on the link or give out any details. Check out the official NHS and gov.uk websites first.
Crypto Scams
Everyone is talking about cryptocurrency at the moment. But beware of people you don’t know offering to invest your money in Bitcoin or other currency, especially if they open a wallet for you, or you can’t access that wallet. Scammers are posing as sales staff and creating professional-looking adverts to get you to buy into this “once-in-a-lifetime opportunity”. Unless you really understand this relatively new area of finance, it’s best to get the opinion of a qualified adviser and check the FCA website first.

Prevent scams. Stop. Challenge. Protect.
To find out more, search ‘scams’ on our website.

*Mortar Research study of 2,000 participants, May 2021.

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The complaint
Mrs M complains that Barclays Bank UK PLC stole money from her, and mis-treated her
when she used their branch to carry out a transaction.

Dear Mervelee,

Smart Teachers is recruiting for the following role which I think you will be ideal for:

Job Title:
SENCO

Job Duration:
1 term initially – permanent contract available thereafter

Start Date:
September 2021

Salary Bracket:
MPS Inner London

About the School:
Secondary School in Lambeth – South London
Ideally someone with SEN experience and ideally having been a SENCo in a Secondary or Primary setting previously

Benefits of working through Smart:
•Ongoing CPD workshops including Phonics, EAL, Behaviour Management, Child Safeguarding, and SEND
•Competitive pay rates that are negotiable based on experience
•Regular social events
•Consultant exclusivity

Application Criteria:
•Bachelor of Education / PGCE / or equivalent teaching degree
•Proven experience teaching the UK curriculum
•NQTs and/or OS-trained teachers welcome to apply
•Eligible to work in the UK (must have valid visa)
•Recent classroom-based references and valid DBS/police checks

Ready to Apply?
Please reply to this email attaching your CV and covering letter.

Kind regards,

Reggie

Reggie Newman
Divisional Manager

0207 065 7535
reggie.newman@smartteachers.co.uk

http://www.smartteachers.co.uk

Too many emails? Update your preferences any time.

Reggie Newman
Divisional Manager
+44 20 7065 7535
+44 7568 611 869
Smart Teachers

Salisbury House | 29 Finsbury Circus | London EC2M 5QQ
Office +44 20 7065 7500 | www.smartteachers.co.uk
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What happened
Mrs M says that on 27 September 2021 she visited a Barclays branch to make an
international transfer. MM Argument: I visited a Barclays branch (not my own) because I was stressed from my role as a carer for my elder husband. I was triggered by a call from Richard Harty of the www.uel.ac.uk before I left home to visit the GP and do business at the bank. I used that Branch because I did not want to miss paying the money for my daughter-in-law’s University fees.
Mrs M said she was being asked various questions about the transfer which made her feel uncomfortable. MM Arguments: This is a blatant lie. Because of my Disabilities, I am prepared in advance. I took the details of the transactions in and asked the person to write on the form what other information I need to get to complete the transaction. I did not rely on myself to write because I have a Chronic Anxiety Diagnosis from July 2006 with this fact.
Mrs M then said she handed over £2,300 to the cashier so she could complete her transfer, however when the cashier told her they couldn’t process the transaction for lack of information, Mrs M decided to pay the money into her account. MM Arguments: I had done the transaction before at my branch of Barclays. Why is no mention made of the fact that the cashier asked her colleague if she knew how to do the transaction before I handed over the money? Also, there was a Brown Lady who joined the black and white tellers at the counter. This is the brown lady who verbally abused me 2 times to trigger my PTSD.
Mrs M said she didn’t receive a receipt. MM Arguments: I was not aware of the missing receipt until I got home, and I was talking to my daughter-in-law. This is where my qualifications and experiences will be used along with the Equality Act 2010 Protected Characteristics to prove Barclays target vulnerable women inside their branches. Please refer to the fact that Barclays is a habitual DEFRAUDER who identified my vulnerability when I told them I was STRESSED and starting university the next day. Now refer to the video of Richard Harty and explain why Barclays destroyed the CCTV?

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Contact us 

Dear MRS MYERS,

You recently received an invitation to participate in a survey about your recent visit to our branch. If you`ve already responded, thank you for your time. If not, completing it online will take no more than 3 minutes.

Your feedback will be invaluable in helping us to deliver an enhanced service to you and all of our customers.

Thank you in advance for your support.

Please note that replies to this email address will not be answered. If you have any feedback about this email or would like to raise a query or complaint, please click here or call into your local branch.

Yours sincerely,

Your Barclays Team

Barclays Bank UK PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.

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Mrs M says she went back to the branch on 1 October 2021 to complete the transaction but
was told that she’d only paid in £1300 on 27 September 2021. Mrs M said she disagreed
with the cashier, however, was told by the staff that they’d call the police as she was being
disruptive. MM Arguments: Another blatant lie. Reason the CCTV was destroyed.
Mrs M says the police suggested she visit another branch to try and resolve the
matter but when she went to another branch, she wasn’t able to resolve things. MM Arguments: How long was I locked inside the bank with staff who kept provoking me before the Police arrived?
Later that day Barclays sent Mrs M a two-week notice to close her account, saying they
found her behaviour towards their staff earlier that day was unacceptable. MM Argument: When was the letter to close my account written? Considering myself to be a valued Customer who stayed with Barclays after I begged the South London Press to share my story, is this how Barclays repaid my loyalty?

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Contact us 

Dear MRS MYERS,

Wed love to know how you think we did on your recent visit to our branch. It helps us to understand whats working well, and what could be better.

This survey should only take 3 minutes and work on any device. We wont ask for any personal information or passwords, and it wont be used for promotional purposes.

You can take this survey any time until Monday, 26 July

Yours sincerely,

Your Barclays Team

Barclays Bank UK PLC is registered in England and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered No. 9740322. Registered Office: 1 Churchill Place, London E14 5HP.

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This email does not use any cookies or similar technologies. To understand how Barclays uses personal data, please refer to our privacy policy.

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On 2 October 2021 Mrs M complained to Barclays about how she had been treated,
believing the whole situation was a scam. She asked for her money back along with an
apology. MM Arguments: Where did the FOS get their information from? I went to my branch to transfer the money to pay the fees. After I completed the transaction, I spoke to a staff about the matter. He volunteered to write a report for me. Did my branch not know that Barclays wrote the letter on the 1/10/2021 to close my account? Instead of letting me believe everything was okay I should have been warned to expect the letter to close my account.
On 7 October 2021 Barclays sent their final response to Mrs M’s complaint, they didn’t
uphold her complaint.
Good Morning Miss Myers
Following our telephone conversation this morning.

We would like your assistance in allowing us to use your communal entrance door key to get a copy cut for our Estate officer Mark Murphy.
This will allow our Estate Service officer to inspect the communal hallway without disturbing you every time he is carrying out inspections to your building.

Thanking you in advance

Please can you reply to this email using email: repairs@h4w.co.uk
to avoid any delay in response.

Kind Regards

Agnes Wright | Property Service Officer
Housing for Women | Sixth Floor, Blue Star House, 234-244 Stockwell Road, London, SW9 9SP
Direct: 0207 501 6124 | Email: agnes.wright@h4w.co.uk | Web: www.hfw.org.uk

Follow Us: Twitter Facebook LinkedIn

85 years of empowering women

By including any personal data in your response to this email, you freely consent to this being used and stored by Housing for Women for the purposes of service delivery in accordance with the General Data Protection Regulation. All information and attachments included in this email are confidential and intended for the original recipient only, it may also be legally privileged. Any review, retransmission, dissemination or other use of or acting in reliance upon this information, by persons or entities other than the intended recipient is prohibited. If you are not the intended recipient then please do not use or publish its contents, contact the sender and then delete. The sender does not accept liability for any errors or omissions.

Housing for Women Limited is a Registered Social Landlord registered with the Regulator of Social Housing (No L0970); and is a charity registered with the Charity Commission (No 211351); and is a Private Company Limited by Guarantee registered in England and Wales (No 00420651). The registered office is at Sixth Floor, Blue Star House, 234-244 Stockwell Road, London SW9 9SP.

Barclays said they retained a digital receipt of Mrs M’s transaction which showed that she had paid in £1,300 on 27 September 2021, and so they decided against investigating further. MM Arguments: Once again the FOS is bias because what about the call from Barclays re the male trying to use coercive control to change my story. No final response was given up until when I contacted the FOS. I will say “Without Prejudice” the FOS is working with Barclays to SCAM me.

Dear Mervelee,

Smart Teachers is recruiting for the following role which I think you will be ideal for:

Job Title:
SENCO / Head of Learning Support

Job Duration:
Full time

Start Date:
September 21 / Negotiable

Salary Bracket:
£30,859 – £47,000 per year

About the School:
Independent School in Egham – age 3 to 13

Benefits of working through Smart:
•Ongoing CPD workshops including Phonics, EAL, Behaviour Management, Child Safeguarding, and SEND
•Competitive pay rates that are negotiable based on experience
•Regular social events
•Consultant exclusivity

Application Criteria:
•Bachelor of Education / PGCE / or equivalent teaching degree
•Proven experience teaching the UK curriculum
•NQTs and/or OS-trained teachers welcome to apply
•Eligible to work in the UK (must have valid visa)
•Recent classroom-based references and valid DBS/police checks

Ready to Apply?
Please reply to this email attaching your CV and covering letter.

Kind regards,

Reggie

Reggie Newman
Divisional Manager

0207 065 7535
reggie.newman@smartteachers.co.uk

http://www.smartteachers.co.uk

Too many emails? Update your preferences any time.

Reggie Newman
Divisional Manager
Smart Teachers
0207 065 7535

Unhappy with their decision Mrs M brought her complaint to this service for investigation. MM Arguments: Here is proof the FOS is corrupt and whoever handle this case is unable to understand written or verbal ENGLISH. How many times did I call the FOS during this investigation?
Mrs M advised on 2 December 2021 that due to the closure of her account she was no
longer covered by an insurance that she was paying for through her account. Mrs M also
explained the personal impact this had on her, which included adversely triggering her
mental health condition. MM Arguments: The FOS must be held accountable for all that have impacted on me owing to the closure of my account. Because Barclays did not give me enough time to find another BANK account so I could safely transfer my payments. Reason I ended in RENT arrears and the Housing Association treating me like Barclays.
Our investigator gave their view that Barclays had acted fairly in the circumstances and
didn’t ask them to do anything more. MM Arguments: No Barclays is a SCAMMER and so is the FOS. This is the same as the Police that came to my home to MURDER me under cover of the LEYF Margaret Horn Lecture. Then said I was tensing up, so they had to put me in handcuffs to protect 3 officers and prevent escape. In the same paragraph they said I was wrestling with Holly Sweeney and grabbing the taser handle of Nikki Wright. So if the FOS say Barclays acted fairly they are party to TERRORISM and SCAMMING.
Final decision
Complaint by: Mrs M Myers
Referred to as: Mrs M
Complaint about: Barclays Bank UK PLC
Complaint reference: PNX-4291934-J9W5
Date of decision: 21 May 2022
Page 2 of 4
Unhappy with the investigator’s view, Mrs M asked that her complaint be referred to an
ombudsman for a final decision. MM Arguments: Emma Martin-Hamilton is probably a member of the http://www.leyf.org.uk Paedophile RINGS. And so is this person who prepared this crap.
What I’ve decided – and why
I’ve considered all the available evidence and arguments to decide what’s fair and
reasonable in the circumstances of this complaint. In considering what is fair and reasonable, I’ve thought about all the evidence and information provided afresh and the relevant law and regulations, regulators’ rules, guidance and standards, codes of practice and (where appropriate) what I consider having been good industry practice at the relevant time. MM Arguments: Can I refer this CRIMINAL to https://www.gov.uk/employment-tribunal-decisions/ms-m-myers-v-london-early-years-foundation-2300047-2016 and the http://www.acas.org.uk/researchpaper by Dr. Maria Hudson for the Policy Studies Institute recommended to ACAS “The Experience of Multiple Discrimination” 2012.
It’s not in dispute that Mrs M went into a Barclays branch on 27 September 2021 to carry out a transaction. Both Mrs M and Barclays have confirmed this in what they’ve told us.
However, what is in dispute, and what I’ve considered is whether Barclays treated Mrs M
fairly when she used their branch on that day, whether it was likely she paid in £2,300 and
I’ve also considered if it was reasonable for Barclays to close Mrs M’s account following their interaction with her. MM Arguments: On the balance of probabilities why was no mention made about the decision when I went to the other branch to complete the transactions? I had to find the money to do so. Why was no mention made when the staff volunteered to write my concerns? The FOS is a SCAMMING RING for Barclays. Considering this is the second time I was defrauded. If I had not asked for the balance in my account, the THEIVING teller would have gotten away. The white lady and brown lady set up the black lady by swiping the £1000.00. Because I told them I was STRESSED. I went into the bank before going to my GP and that’s the only reason I did not go to my branch.
Mrs M explained that while she was in the branch to pay the money in, she took £2000 from
a brown envelope clipped with a yellow staple, as she’d been taught to do by her husband to make things easier, and she took £300 from another envelope in her bag. I find Mrs M’s
version of events to be specific and fairly detailed, so I’m persuaded that Mrs M intended
and believed she was paying £2,300 into her account that day. MM Arguments: I will refer to 2004 when I challenged the FOS. Therefore, am going to say those making this decision continue to DISCRIMINATE against me with this sentence. The HMCTS and CPS and CJS is treating me the same way. This is INSTITUTIONAL and SYSTEMIC DISCRIMINATION. Because all that happened is repetition in the case of Barclays.
However, Barclays have provided us with a digital receipt showing that £1,300 was paid into
Mrs M’s account that day. They also provided us with a copy of their till balancing sheet
which showed the till used by Mrs M was short by £20. So, from the evidence provided I’m
satisfied only £1,300 was paid into Mrs M’s account that day. MM Arguments: If only £1,300.00 was paid into my account one of the other tellers took the £1,000.00.
Mrs M strongly believes that Barclays had taken £1,000 from the £2,300 that she gave them
on 27 September 2021. I’ve thought about this carefully. Mrs M said she hadn’t been given a
receipt at the time so was unable to evidence the amount she’d paid in. MM Arguments: The argument about receipt came up when the black teller was told to ask me for receipt. The receipt should not be the only evidence used. Why was the CCTV destroyed?
I have no evidence; besides what Mrs M has said that she hadn’t been given a deposit receipt. MM Arguments: If FOS did not collude with Barclays they would have seen the evidence I sent to them. I have been a member of Woolwich from I arrived in the UK from 1992. I have conducted all my business with them. Since I had gone to send the money at another branch, why did Barclays made such a drastic decision on the 1/10/2021 knowingly provoking me to trigger my PTSD so they can close my account to cause me additional STRESS? Which of the laws did the FOS CRIMINALS look at? What about the GDPR and Charter of Rights 12 Codes? Now can Barclays produce the CCTV?
Mrs M has been unable to provide any further evidence that Barclays took £1000 from her. I acknowledge the information that Mrs M has provided in support of her complaint, including information relating to a previous situation involving lost money, however I’m not persuaded that any of it proves or suggests that Barclays have inappropriately taken or withheld any money from her. MM Arguments: FOS failed to look at the evidence provided.
In addition, from the evidence provided, I’ve no reason to think that the staff at that branch of Barclays would target Mrs M for theft. Overall, from the information provided, I think it’s more likely that Mrs M had paid £1,300 into her account on 27 September 2021. And so, from the evidence provided I’m satisfied that Barclays had acted appropriately. MM Arguments: FOS is as guilty as the SCAMMERS at Barclays and this is DEFAMATION of my Character.
Following the events in the branch, on 1 October 2021 Barclays sent Mrs M a letter giving
her two weeks’ notice that her account would be closed. In the letter Barclays advised this
was in response to Mrs M’s behaviour in the branch. Mrs M also confirmed that she’s
received the letter and has said it was unfair of Barclays to take that action against her. MM Arguments: I will get my satisfaction in telling the world that Barclays and the FOS is party to an international scamming ring targeting VULNERABLE WOMEN.
Barclays provided us with a report from the branch manager detailing their version of events from 27 September 2021. The report explained that Mrs M shouted at the staff, was being aggressive, had disrupted other customers and used profane language towards staff in the
Page 3 of 4
branch. MM Arguments: Who closed the branch and called Police and have me locked inside for over an hour? Does the FOS and Barclays understand the implications of being held HOSTAGE without consent and the impact on a person with physical and mental impairments?
Barclays provided us with a copy of a branch poster which advised that anyone
demonstrating physical or verbal abuse would be reported to the police and have their
accounts closed. MM Arguments: What did Barclays do to get persons to demonstrate physical and verbal abuse? How many times did the brown lady come from the back of the bank to verbally and physically abuse me by wagging her finger in my face, even when I moved away? Because I did not want my tremors to be mistaken? I sat on my hands waiting for the Police to come for over an hour. Produce the CCTV.
In a phone call to our investigator in February 2022, Mrs M acknowledged that she was
verbally abusive towards the staff while she was in the branch. However, she went on to
explain that this was her way of coping or dealing with the situation and she didn’t intend any personal harm to anyone. Overall, I’m persuaded from the information provided that the events in the branch took place as described in the branch report. MM Arguments: Am sure the whole world knows about my brother who committed a criminal act and waited in church for the Police to come for him. On the subject of the Police there is evidence that calling the Police whilst locking me in the bank for over an hour could have triggered my PTSD, to act in breach of the law. All I did was swear and I was provoked more than once by different persons. So, the fact that Police came to section me from a malicious report and attempted to MURDER are some of the reasons that the FOS and Barclays might think they get away. But they will feature in my STORY about discrimination of MERVELEE MYERS.
Having considered this, I think Mrs M’s actions need to be taken in context with her
vulnerability and mental health. Mrs M has been very open about her struggles with different mental health conditions and of the steps she takes to avoid suffering from a panic attack in certain situations. MM Arguments: Refer to my https://fight4justiceadvocacy.business.site because Barclays and the FOS will be exposed as TERRORISTS.
In July 2019 the financial conduct authority (FCA) published guidance for businesses on the
fair treatment of vulnerable customers. The guidance focusses on understanding
vulnerability, the skills and capabilities of staff, taking practical action; and monitoring and
evaluation. Having considered this guidance, along with the evidence provided, I’ve no
reason to think that Barclays treated Mrs M unfairly in this situation. MM Arguments: Wait for my STORY.
I acknowledge that Barclays placed a ‘care marker’ on Mrs M’s account to highlight her
vulnerability. I think the care marker would have given the staff an awareness that Mrs M
was dealing with mental health issues, but I don’t think knowing about her vulnerabilities
means the staff should have to accept abuse as a result, whether that be physical or verbal. MM Arguments: The staff use knowledge of my vulnerability to take advantage of me. This happened 2 times after I experienced bereavement and losses.
So, although I empathise with Mrs M, and acknowledge the steps she’s taken to deal with
her mental health, I don’t think the staff should have to put up with that level of abusive
behaviour, whether it was intended or not. In the circumstances I think Barclays acted fairly
and in line with their policy by issuing Mrs M with a notice of closure to her account.
Mrs M said the closure of her account caused problems with an insurance policy that she
was paying by direct debit. However, Mrs M confirmed to us that she’d received the notice of closure letter from Barclays. So, I’m satisfied that Mrs M had sufficient time to contact the necessary companies who may have been affected by the closure of her Barclays account.
I do appreciate that Mrs M didn’t intend to personally insult anyone whilst in the Barclays
branch. However, having reviewed all the information provided, I think Barclays acted fairly
throughout their dealings with Mrs M, and so I won’t be asking them to do anything in
relation to this complaint.
My final decision
Having thought about everything above, along with what is fair and reasonable in the
circumstances, I don’t uphold Mrs M’s complaint about Barclays Bank UK PLC.
Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs M to accept or
reject my decision before 18 June 2022.
17 June 2022.