Being ignored by Barclaycard...HELP!!!!

NickX

Also if your Current Account is with Barclays then I would move it immediately.

Barclaycard have a habit of raiding your Current Account when their Credit Card falls into arrears.

[Deleted User]

NickX wrote: »

Also if your Current Account is with Barclays then I would move it immediately.

Barclaycard have a habit of raiding your Current Account when their Credit Card falls into arrears.

This is incorrect, though they do have the ability to transfer availible funds if you are deemed to have a healthy cashflow and are not sharing it equally, though this doesnt seem applicable in the ops circumstances.

[Deleted User]

sillylittlejill wrote: »

Hi thanks for helping. I have tried ringing them a few times but I either get an indian person I can't understand (not being racist but he has a very strong accent and his phone goes all crackly) or I get cut off.

I am honestly not just a "won't pay" customer. I haven't been spending money on xmas presents and just ignoring it. I am putting as much money as possible from this months pay (24th December) in an effort to try and get my debt down. I am going to send them another letter today enclosing a copy of my other letter, but not sure who I should send it to. Is there a particular department or someone that I could send it to so that it got dealt with better?


thanksxx

I would certainly follows Fermi's advice in this thread, unfortunately it would appear then that Barclaycard have outsourced its portfolio for your account abroad, its worth trying them during the day in normal office hours, you may get someone english, i suppose the plus side though is that you wont encounter an aggressive Indian, its just they wont be very understanding. You can simply ask to speak with a manager, they cant refuse that request.

NickX

Supercharge_Me wrote: »

This is incorrect, though they do have the ability to transfer availible funds if you are deemed to have a healthy cashflow and are not sharing it equally, though this doesnt seem applicable in the ops circumstances.

Well its been reported on here multiple times, and judging by these reports, Barclaycard just empty the account with no regard for "healthy cashflow".

Why do you say that this is not applicable in the OPs case ?

Because of this right, people struggling with debts are advised to keep their Current Accounts with organisations which are not linked in any way to those to which they in debt to.

[Deleted User]

NickX wrote: »

Well its been reported on here multiple times, and judging by these reports, Barclaycard just empty the account with no regard for "healthy cashflow".

Why do you say that this is not applicable in the OPs case ?

Because of this right, people struggling with debts are advised to keep their Current Accounts with organisations which are not linked in any way to those to which they in debt to.

If have an income which you are using to pay off other debts but not your Barclaycard, and you havent contacted them to agree anything, then yes, they will take what they like. They will also only do this if your account has not recieved a payment in 3/4 months, do you reports reflect this?

From what i read though from the OP, this wont apply as she has contacted them, also "The problem is that I literally don't have any money to give them!" doesnt indicate a Healthy cashflow, i think you'd agree

NickX

Supercharge_Me wrote: »

If have an income which you are using to pay off other debts but not your Barclaycard, and you havent contacted them to agree anything, then yes, they will take what they like. They will also only do this if your account has not recieved a payment in 3/4 months, do you reports reflect this?

From what i read though from the OP, this wont apply as she has contacted them, also "The problem is that I literally don't have any money to give them!" doesnt indicate a Healthy cashflow, i think you'd agree

Well the OP is working (at Phones4u) and the previous reports suggest that Barclaycard have a habit of taking a debtor's wages from a Current Account as soon as they arrive often without any regard for other responsibilities that the debtor may have. If you do a search on the forum I am sure you would find some previous cases.

I don't know about the account having to be 3/4 months in arrears but will bow down to your superior knowledge as you have worked at Barclaycard.

CLAPTON

Supercharge_Me wrote: »

If have an income which you are using to pay off other debts but not your Barclaycard, and you havent contacted them to agree anything, then yes, they will take what they like. They will also only do this if your account has not recieved a payment in 3/4 months, do you reports reflect this?

From what i read though from the OP, this wont apply as she has contacted them, also "The problem is that I literally don't have any money to give them!" doesnt indicate a Healthy cashflow, i think you'd agree

I can only say to the OP not to treat this seriously... I'm sure it's posted with good intentions but ignore it and open that new a/c if you bank with barclays and owe on the barclaycard.

[Deleted User]

I would agree, do what you feel is neccessary, im not advising against opening a new account. I just like correcting people with the chinese whispers :P

fermi

NickX wrote: »

Well the OP is working (at Phones4u) and the previous reports suggest that Barclaycard have a habit of taking a debtor's wages from a Current Account as soon as they arrive often without any regard for other responsibilities that the debtor may have. If you do a search on the forum I am sure you would find some previous cases.

I don't know about the account having to be 3/4 months in arrears but will bow down to your superior knowledge as you have worked at Barclaycard.

Plenty of previous cases.:rolleyes:

I concure with the advice to open an account ASAP with a unconnected bank for future wages/benefits or whatever.

The banks are fairly ruthless in their application of their "right of offset" against funds in a current account. Often leaving with nothing to pay essentials.

sillylittlejill

Oh god, I wasn't aware that they could do that!!! I only changed to Barclays from NatWest in April, and although I have kept my NatWest account. Is that not against the law to take money from an account? I don't have anything going in it until 24th December and was going to make a payment via the internet when I get home from work that night but if they take money out of it then I won't be able to make rent which has to be a priority.

This has really scared me and don't know what to do now.

help!!!

xxx