Living In Mallorca

Relocating to Mallorca

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Barclays and Me got there in the end

After a day when my mobile phone bill must have racked up quite a bill we got there in the end.

My day started with calls to Barclays at 9.30 and I was passed from one department to another with each one informing me that I could not transfer my money without either going to a UK branch or writing a letter. Both of which were impossible bearing in mind the timescale I am working to.

As I explained myself over and over again I felt liked was banging my head against a brick wall but still they insisted I could not do it.

Finally my patience gave way and the poor recipient got full blast. After all this was my money, I was hundreds of miles away and by the time the postal system had got to work I would have lost the house. They offered to escalate a complaint.

Trying to speak to someone in authority was an impossibility and trying to get their fraud department to allow debit card payments until the full amount had been paid to Moneycorp also seemed to be an impossibility. “It’s the computer that does it” I was told.

In the end after 3 hours of continuous calls I got told that I should attempt to put the payment through and when it was declined I should phone the fraud department and they would unblock the card and allow it to go through.

Payment one was declined and I spoke to them; try again I was told. Still declined. Try again in half an hour and then in half hour intervals. Hooray one payment went through.

So as I set my timer for half hour at a time I held my breath each time praying that the payment would go through.

Payment two – success, half hour break. Payment three – success – set the timer – and so on until finally at 3 pm the final payment went through!

Then at about 6.45 pm I received a phone call from Barclays complaints department in which they apologised for the problems and the inconvenience and offered to pay my phone bill. As goodwill they credited £25 immediately to go toward the bill and asked me to let them know if it came to any more.

Success finally. The money has left my account and is en route into Moneycorp. Next it will start its journey across to my bank here in Mallorca and should arrive Friday morning.

Phew I know why they used to keep their money under the mattress!

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Who owns my money – the bank or me

Just when you start to get excited about the prospect of moving into your own home there is always someone to dampen your enthusiasm. In my case this time it is Barclays Bank.

Our offer has been accepted; the proposed completion is the end of next week; Moneycorp have grabbed and secured the money at the best exchange rate they could get but Barclays will only let me transfer it at £10,000 per working day!

If you call into a branch in the UK they can transfer it all they say. Well Barclays you have my new address. I am in Mallorca!

Well you can try paying £30,000 on a debit card plus £10,000 online per day. But the Fraud Department may block it and then you will need to phone them. After a couple of times they will probably let the money through!

How pathetic and that is going to go down well with Moneycorp!

It is for your own protection they say. Well I am giving you authority to do this. Sorry there is no-one in Barclays you can talk to to do that.

But surely I can pre-warn someone that I wish to transfer this money. Sorry no. You have to wait until the money is refused and then call them and then reissue the debit card payment again.

Just who does this money belong to? I was under the impression that it was mine.

Why can’t I speak to someone in authority instead of a computer generated programme or a call centre telephone banking assistant who has no authority whatsoever?

Here in Spain I have the mobile phone number and email address of my personal banker. Here they address me by my first name and I do likewise with them. At one time in the UK you used to be able to contact your bank manager, now you speak to a call centre.

When I get my lump sum from my pension I was considering putting it in a long term savings account in Barclays in the UK. Now I will keep it well away from them.

Customer satisfaction – not with Barclays.

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Frustrating day – Bureaocracy

Yesterday was a frustrating day all round. So much so that when we had a big thunder storm at bedtime I couldn’t be bothered to look (and I love storms).

Bureaocracy is frustrating, annoying, time consuming and just a downright pain!

From the Spanish side they want proof that we can afford to live in their country. Fair enough, shame the UK doesn’t do the same. All they want is a letter from your bank confirming that you have xxx amount going into your account each month. That is where the problem starts. I have my salary paid into Barclays, my husband has his pension paid into Santander.

So I write to both banks asking for confirmation. No reply.

In the end I phone Barclays (which costs a bomb on Pay As You Go – which we are on until we get our NIE) to be put on hold while they find out and then to be told that they can’t do it unless the third party get my authorisation and they write to Barclays requesting the information. Ok another trip to Magaluf then!

So if that is Barclays then I guess Santander will be the same so I ask our advisor if just the one letter from Barclays will suffice. After all my salary will cover both of us as the Spanish immigration office don’t expect you to have too much each month just sufficient that you can survive.

I am told yes I can cover both of us. Good! No not really. Actually they will need to see our marriage certificate to ensure we are married. That’s ok I’ve got it with me. No. Actually they need a plurilingual marriage certificate so they can understand what is written on it!

So where do I get that?

From the General Register Office in the UK.

Now I have researched my family tree so I am used to ordering certificates online. Not so easy, you can’t find anything about a plurilingual certificate! So I emailed them. “You will get a reply from someone within 5 working days” says the automated reply!!

So as I silently SCREAM I continue to juggle organising things and dealing with work which has been problematic in itself this week.

I wonder why I get headaches…