Big Barclaycard Problem

Eydon

Surely this is a simple case of a Continuous Authority payment that you failed to cancel.

At some point you agreed for Card Protection to debit your Barclaycard. By doing so you have given them authority to debit your card each time a payment is due. Closing the account does not help - you have to cancel with the company that has the authority. Barclaycard have no choice but to honour the payment request when it comes in to them (because you've agreed to it).

All continuous authority payments, and all credit card companies operate this way.

EDIT: presumably now the Card Protection debits have been refunded you will just be left with the late payment fees. You can try talking to Barclaycard about it. Be nice and they may refund them and subsequently remove the defaults on your credit report. But remember (and you won't like this) at the end of the day this was your mistake, not theirs. You didn't contact Card Protection to cancel your policy. Barclaycard have done nothing wrong. They sent you statements to the address that they had for you. A simple mail re-direction would have resulted in you getting them.

Eydon

Robert_Sterling wrote: »

Did you have a direct Debit set up for guard protection for the period before you closed the account.

Robert - it won't have been a direct debit, it will have been a continuous authority.

Robert_Sterling_3

fragfeaster777 wrote: »

Thank you Robert for trying to help out! I appreciate it

I wasn't t too sure about your post: Did it mean that from your experience that I have no way of winning this case from Barclaycard (ie even with the refund, the default will stay), or that you are unsure as to what the outcome of this case may be?
Cheers!

I thought that it was you at fault and not Barclaycard.

ZipButtons_2

David Chan, Managing Director of Barclaycard - [EMAIL="david.chan@barclaycard.co.uk"]david.chan@barclaycard.co.uk[/EMAIL]