myself and barclaycard

[Shadow2981]

Re: myself and barclaycard

Oh, also, you're right, they are useless on the phone.. UNLESS you phone their Customer Relations department.. I can get the number off my cousin if you'd like? Record the call though. They are UK based, open during office hours only, but you get a speedy turn around through them... Let me know if you want it, and ill find it out...

[davidm]

Re: myself and barclaycard

sorry but what is UN ? i know im thick

[Deepie]

Re: myself and barclaycard

i have a credit card with barclaycard with a 3k debt on it my monthly payments were getting too much so i wrote and requested a lower payment ,they sent a letter back asking me how much i could afford to pay i said £20 .so was waiting for a reply to that ,then i get this today [pic] im really peed off because i went down the correct channels they said they were happy to help see b/card letter ,i responed the next day to there letter ,i dont want to ring because ill get some dork ,who cant do anything .so how can i respond to the dca letter and barclaycard ????

Why don't you go the UN route with this ?

[Shadow2981]

Re: myself and barclaycard

I dealt with Barclaycard... They wouldnt offer much in the way of reducing debt, they (after escalating the query) came back with a reduced settlement of just over £1200 for a £1900 debt. They insisted this was the biggest reduction they could offer, and it HAD to paid over 6 months max...

This wasnt my debt, i would have gone on to fight further, but the person who's debt it was, was happy with this arrangement, and accepted just to be rid of it soon (hasnt been defaulted, and they agreed not to mark it as AP, and been true to their word thus far.. 3 payments left).

We are sending a SAR though, to reclaim all the charges, but timing it so SAR sent whilst account active, but request for charges refund is after acount marked settled. This way they shouldnt Default in retaliation, and cant Set Off against debt..

How old is your account? You could do similar and try to get refund set off the debt, or you could go for the

unenforceable route and take the default...?

EDIT: lol, i was too slow.. Bloody phone.. Go for charges refund in my opinion, plus interest! Or both routes alongside eachother...

[davidm]

Re: myself and barclaycard

this was the first card i had so got to be at least 10 -12 years old

[MrsD]

Re: myself and barclaycard

this is the normal behavior of banks, nothing unusual here

how old is the card?

[davidm]

i have a credit card with barclaycard with a 3k debt on it my monthly payments were getting too much so i wrote and requested a lower payment ,they sent a letter back asking me how much i could afford to pay i said £20 .so was waiting for a reply to that ,then i get this today [pic] im really peed off because i went down the correct channels they said they were happy to help see b/card letter ,i responed the next day to there letter ,i dont want to ring because ill get some dork ,who cant do anything .so how can i respond to the dca letter and barclaycard ????