The most common reason customers are being given for the refund or write off is that they are getting back interest and extra charges that Barclays now feels it should not have been added. Oh and also I became a debt adviser in October. Hi, yes I had a ltr this morning to say that they are reviewing my account and will reply by the 23rd. You are right. Sort codes, in the … This is an affordability complaint, and you can ask for a refund of the interest that was added after your limit was increased and for the default to be removed. You don’t have to put in a complaint or a request for a refund. And Barclays the only lender that preceded this with “we raised your credit limit too high”. I’ve just had a text. It was closed (fully paid) as part of a DMP I was in. then if you phone National Debtline on 0808 808 4000 and read them the letter, then they should be able to confirm this. Join the 7,000 people who receive an email when a new article is published: This is the personal website of Sara Williams. I received a proactive refund from Barclaycard at the end of last year, for all interest and charges paid (+8% interest), for a period of time they have decided that my limit was too high. Ask to speak to a manager. Have you asked them to remove the default? If there is no default date, you should think if you would prefer one to be added! I’ve managed to get through. if your account hasn’t been defaulted but is just in arrears, it will drop off six years after it is closed. I haven’t received the refund and have spent many hours on the phone talking to so many different people/departments who know nothing about this situation. I can’t quite believe it. Typically, we’ll raise the claim with the card scheme (Visa) and, if your claim is successful, we’d hope to resolve it within about 30 days. They today gave me my final letter saying we are sorry we did put your credit limit up when we shouldn’t have but because my credit score was not affected by any increase and I had no late payment we are only offering you £75 to say sorry. Yes i am Very Frustrated !!! However if your current repayments are too high, you do also need to talk to the debt collector about a lower payment arrangement. how long ago was this? See https://debtcamel.co.uk/refunds-catalogue-credit-card/ for making an “affordability” complaint about this. This is laughable. The accounts affected include overdrafts, loans, Barclaycard accounts (including previous Egg card accounts) and Partner Finance accounts eg for car finance. Stopping interest on your account should mean that the balance will at last start to drop. You don’t need to do that as Barclaycard have already agreed that they did. But quite clearly they’re at fault somewhere (Irresponsible lending) and they’ve offered me £75 which I’ve politely declined so they’re looking it to my case in greater depth. Now i still have couple credit cards like Barclaycard, aqua …etc. so then got the usual story they will escalate it and il get a call back within 48 hours or i need to ring them back if not heard by then, i did say Yes but 3 times someone has been meant to ring me back & no one has so what is different this time to make me belief they will ring back? How can I make or cancel a same-day UK payment (CHAPS)? quite happy to be guided on this as didn’t know about all this? I ended up defaulting on both in 2018. I call them and they blame on me that i did not call them to say about my financial problem. Your position is stronger because they accept they set your credit limit to high. The same with aqua. See https://debtcamel.co.uk/refunds-catalogue-credit-card/ for more about these high limit/affordability complaints. For example, you may have complained about overdraft charges saying you couldn’t afford them. You have phoned many times but customer services say they cannot find your account as it is closed and they cannot see the letter you were sent or your reply. Hi Claire – that sounds very difficult for anyone to have to deal with! Good job with your blog. I revived my letter in the new year. As you don’t have an account anymore, I assume you can’t login through the app and send a secure message. There have been a LOT of successful claims against them. Had the Ombudsman engaged me quicker, had Barclays responded to my requests to put everything in writing (rather than simply ignore my three RM signed for letters with said requests, then things may have been very different. If you think you should have had more compensation, ask for it. Advice is voluntary. Just reply to Barclays and say as they have accepted that it was their errors that resulted in the unaffordable debt you would like them to remove the default. This is in addition to making a complaint. 19 posts. Well things clearly went wrong when you said you wanted to cancel a card but Barclaycard doubled the credit limit on the other one. My original letter was dated 11th November so as anyone can tell it has gone way over the 30 days and still being given the run around. I had the card for a couple of years prior. Freephone: 0800 007 3777. Press ENTER one more time, and your card machine displays Swipe Supervisor Card or Key in Supervisor Code. This is all getting beyond a joke now it’s not even funny !! They basically said it was because I was making my payments it seemed like I was managing. Not sure if I need or can take this further. Barclaycard informed me that I needed to register my complaint via there portal if I log into my account.. however, they’ve sold my debt and de-registered my account so I physically cannot register online with them! Complained a d they said they believe its correct and offered me £50. Will give it a go and let you know how i get on. I have just received a letter from Barclays saying that due to them making a mistake with how they handled my loan, which i took out approx 12yrs ago) and have been paying a nominal amount back over the past several years due to financial difficulties after my marriage broke down. If it was because they didn’t treat you fairly after you had defaulted then it’s hard to argue the default on your credit record wasn’t right. Barclaycard International Payments Limited, trading as Barclaycard, is regulated by the Central Bank of Ireland. If your payment is greater than the limit, it will take longer to arrive These times are just guides, so aren’t guaranteed. The October letter states to ignore the date on the August letter, but that J should have had it in August! Has anyone been able to actually speak to someone who knows about this situation or been able to contact the department dealing with this? A lot of customers are outraged, it goes completely against any sense of what is fair and decent. Again thanks for all your support and good luck to all of you fighting for what your entitled to. Does Moorcroft own the debt or are they collecting on behalf of Barclays? When they stopped your DD, had you asked them for a covid-19 payment break? Thanks for reply :), Hi Tanya. No the repayments are fine now and manageable with the debt collection agency, but my credit limit with Barclaycard shot up from £1,300 to £5,500 in a matter of months despite me struggling to pay other payday loans and credit cards back. Read https://debtcamel.co.uk/refunds-catalogue-credit-card/ and complain if they have increased your balance too high. Thanks what about Aqua is that one on any list do you know ? Went away for a hour and then rang back with a settlement offer. "In the majority of cases across Barclays and Barclaycard, eight in 10 cases are refunded within one working day with a selected few going on for further investigation." I was then diagnosed with cancer and went on to default. I have had the same text this morning but I haven’t received a letter did you receive a letter. None of my other cards have limits over 3750 and at the time i had a default against me too which has now gone off my file. This means we’ll refund your account straightaway – as long as you haven’t acted fraudulently or without reasonable care (for example, you haven’t kept your PIN written down with your card, or told someone else what it is). I am not sure if it is a case of identity theft, If so How do I confirm this. I made a complaint to the Ombudsman re Barclays just over 12 months ago (Oct 19) , I sent in the relevant paperwork as requested, Do you think this is fair? Hi so how long after the text did you receive the letter. I’m both angry and dissappointed with the Ombudsmans service, I have maintained payments with Barclays as a measure of good faith pending any decision from the Ombudsman, this measure of good faith has continued to bite into my families finances. The Helpline says that Barclays has “been working collaboratively” with their regulator, the Financial Conduct Authority, about these refunds. I have always had my debit card with me and have memorized my pin, There is no physical/hard copy of my pin so I don't understand how this is possible. Here is one example where reader has had success: Told them I wished to challenge the charges pre 2013. Hi Emma. If your payments to Barclays are causing you financial difficulty, you need to ask Barclays to reduce them. I then reached out to their online team who, about 10 minutes ago, emailed me saying that they were very sorry, but they couldn’t handle my question and I should call customer services. You have to phone them up and tell them you agree with that,give them your bank details it will be in your bank in 3working days that’s how I did it. I have just recieved a letter offer letter for My card was indeed repaid and the account closed. In March this year I started to chase the complaint, in both June and August the investigator told me i was 1 week away from being sent a resolution. Funny you say about compensation as i did say to him that if i was late making them a payment they would be quick enough to add on interest so does that mean i can now charge them interest ? Hi. What happened – they sent you a letter on dd/mm/yy, you replied with your bank details in their provided envelope, but have heard nothing. Hope my letter arrives soon as I’m intrigued! We’re sorry ­and we want to make things right, so we’re returning interest and charges to those who might have been affected during this time. The FCA’s rules on this apply to all lenders. It was only when I came across this article and for the correct number that I got through to the correct team with the right information. Start your complaint here: https://www.resolver.co.uk/companies/barclaycard-complaints/contact-details?territory_id=1 and select “email Barclaycard”. What are the chances they will agree to that and if not what would the fos do? If I send it back via post will it arrive in time? I’d ring again. Welcome to the PayPal Community! I want to know if it’s separate issue to my initial complaint regarding irresponsible lending. Is this letter something I can query in terms of progress or should I just write it off as a hoax now? Considering the letter was dated 1st decemeber i think they could speed it up a bit. From what you have said, you can stop paying this debt and they won’t be able to go to court. I think the very large debt write-off in this case suggests that Barclaycard know it has done something wrong. I’m just worried with so many scams around that it’s too good to be true and I didn’t give Barclaycard my bank details? Thank you Sara, I have written to Barclays and I’ll let the Forum know what the outcome is. It doesn’t explain how they have calculated this? The refund process using this method can take up … Had letter from barclays saying my limit may have been set too high. After receiving £75 last year and confirmation that the account was closed, I was surprised to receive a further communication from Barclaycard. If you’re not approved, or even having an application under review, you will want to call up a Barclays credit analyst. The FCA’s rules say: CONC 7.3.4 A firm must treat customers in default or in arrears difficulties with forbearance and due consideration. BUT now i have received a letter about Provident!! But I do suggest you phone Barclaycard up and ask if it comes from them. The simple thing is to ask for all interest to be refunded from that point. But i do have the email i used to send my bank statements which is Barclaysrcrresponseforms@barclayscorp.com. Use our Short Code Finder Tool to find BARCLAYS BANK PLC, BB PROCESSING(TATE) CAMDN Branch Sort codes, Phone No., Email, Address quickly. The last one advising I would hear from them by the 2nd of November. How quickly will the refund appear in my account? Bank Branch: BARCLAYS BANK PLC all branches list with sort code. Roll to July 2020, received the “may have set limit to high” letter so asked if could re-complain and they said yes, still didn’t uphold and I accepted £75 compensation BUT they said I could still go to ombudsman. I did bury my head in the sand in terms of not being able to meet minimum payments and missing a few. Everyone who has checked so far has found their letter or text is real. If you would like a default added, I suggest you contact the refund helpline, say thanks for the write-off but you would also like a default date added when you got into difficulty. Barclays Bank PLC adheres to The Standards of Lending Practice for Business Customers which are monitored and enforced by The Lending Standards Board. I’ve been impressed with how quick I’ve received alot higher payments from 118118, lending stream and safetynet after receiving the offers, within a week or 2 but £75 from barclaycard took that long…they should be used to issuing the refunds by now! One person was told by customer services that they were sending out 35,000 refund letters a week. Like I say I had spent the money so I’ve never been one to complain but it would be nice if I could get some of the interest back. Update ive just recieved mine. But if the problem was caused by lending you too much in the first place then you have a second reason to complain. I was sent my refund letter dated 1st of December I received it on the 14th January it was for £876 in the letter it said I dont need to do anything I will get a refund to my barclays account within 30 days of the date on the letter its now 63 days and I have received nothing I phoned them about 4 times each time they say it will be in my account within 7 days then I put in a complaint the lady said … They hadn’t written off my debt to them either. Here are a couple of examples from readers – you can see these and other comments at the bottom of this page: I received a letter offering £75 as an inconvenience payment and advising they are closing the account and I do not need to make any further payments. Just wanted to let you know (thanks to this group) i have at last settled the Barclay card fiasco, they paid me the original £75 + a extra £50 for the hassle they caused so case closed. But you may need to make a formal complaint and take it to the Ombudsman if they dont agree. Payments can take different times to clear, depending on the account they’re going to: These times are just guides, so aren’t guaranteed. Don’t hold your breath will you for a fast payout, scroll back and you will find my story so far stems back to getting the original letter dated 11th Nov it arrived about 12th December so that should tell us something that it took a month to get to me? I will have to ring them back then as I gave my details on 11th December and nothing yet, guess not open now until Monday.. Hi. I tried everything. Other things you may want to complain about include if you were offered a consolidation loan you couldn’t afford, or if you weren’t signposted to a place for free debt advice when you said you were in financial difficulty. I don’t know what to bring to the table? Search UK Banks sort Code. In early October and having heard nothing I mailed asking why the continued delay, The response I received was that due to A: The original investigator should not have taken on the case as it was a level above their remit and they should have reassigned the case, B: that just that week ( October’) the Investigator had left the service and C: That the ombudsman were in conversations with the banks on cases similar to mine and that until they were concluded my case would not be reassigned and that currently no investigator was dealing with my complaint. Sometimes the process takes longer, depending on Visa’s response. As that says, one option is to make a complaint that your credit limit was raised too high. But the Finacial Ombudsman has never decided these sort of cases in the customer’s favour. From what customers are being told when they ask, it seems Barclays now recognises that it did not properly assess customer circumstances when it knew they were in difficulties. is it clear if they are offering you £580 in cash? Know that for some early filers, there have been reports that the average wait time for a tax refund … Log into the Barclays app and tap the transaction you need help with; Then tap ‘Don’t recognise this’ Now select the FAQ titled ‘I know what this debit card transaction is, but there’s a problem’ and tap ‘Report a problem’ Online Banking Over the next 3 months and numerous chases to Barclays for confirmation and concerns about letters and texts saying I’m in arrears and wil this effect my credit score, and told on 2 separate occasions ‘not to worry this is a different department and this is just standard procedure. One dated August 2020 and the other 2 days ago. Hi again Sara, Ok, I would probably have suggested talking to them before submitting a complaint. I would be so grateful for any advice as this is getting me down. I was thinking about going after Aqua card as well. Please be aware that the normal Barclaycard don’t all know about this.

Oxford English Course, Getting The Love You Want Amazon, Dark Short Story Ideas, Sands Of Oblivion, Fun Summer Activities At Home, I Sure Miss You, Dws Solicitors Trustpilot,