Worried about Barclaycard taking money from bank account

izools

You can pay in at the post office

Or you can mail it to them with a paying in slip. Either way! All good

Their telephone helpdesk is very good, too, imo. Much better than Barclays offshore retards!

EDIT: Jeremy Kyle isn't on at the moment, but Judge Judy is. Hehe

Kandipandi

Im sorry about the ignorant comment from Bingy!
Bingy its so unfair to judge people when you don't know the full story - you are not through this world yourself yet.

I was on a DMP many moons ago and my CC with LLoyds TSB wrote to tell me that if i didnt settle the full balance in full they would take whatever was in my LLoyds current account. I had luckily opened a Nationwide Flex account to transfer my salary into when I started the DMP so there was nothing to take, but the point is they wrote to tell me they were going to do this. perhaps Barclays will not be so kind.
Good luck with this.

BeenieCat

Thanks Kandi, according to my relative, Barclays aren't so kind and she says they swiped her Comm Care Grant within seconds :eek:

Okay so Calder Financial just rang me on behalf of Barclaycard, as they often do (i.e several times a day :eek:.)

I don't always take the calls but sometimes do, so tonight i thought i'd try and agree something with them in the hope of stalling BC while my loan goes in.

They said they can put me on a reduced repayment plan at £8 per month, and i'll deal with Calder for the next 2 months then my account will be back with Barclaycard (don't really understand this).

So i asked him outright about the right to offset and could i find out if BC had intentions to take money from my bank account. He said there's no way for them to know but if i was to set up the repayment plan today then BC would definitely not take any money as no further action is to be taken.

Anyway i agreed and set up the plan @ £8 pm...

Have i done the right thing or did i just fall for the collection agents spiel?

izools

Well they have entered into a verbal contract on behalf of Barclays & Barclaycard now; so as long as you pay that £8 then they have no legal right to your money and if they do take it you can sue them.

Also, you can write to Barclaycard & their debt collection agencies rescinding permission to call you. It is a breach of the telecommunications act for them to call if you ask them to correspond in writing only

BeenieCat

Ooh goody, i took his name too which i'm usually rubbish at so i'm feeling hopeful now

And thanks for that, i may well do that with Bryan Carter solicitors too, can't remember who they're representing (maybe Capital One) but they send text messages to my landline via BT nearly every day which is starting to annoy me.

cos_2

70 fags a day and Jeremy Kylie??!?!?!?? You waster!!

Nah - just kidding. Too many people here forget the purpose of this website. It's to help folk in trouble, not to demean them for having problems.

I'm not really adding to this Beenie, I suppose, but just want to say good luck!

bingy_burge

cos wrote: »

70 fags a day and Jeremy Kylie??!?!?!?? You waster!!

Nah - just kidding. Too many people here forget the purpose of this website. It's to help folk in trouble, not to demean them for having problems.

I'm not really adding to this Beenie, I suppose, but just want to say good luck!

But you can' help some people as they don't help themselves.

I don't understand why the op has let it get this far. Should of had another acc ready for the cash if its life or death benefits for their well being.

I would of thought that not keeping to your financial comitments with a bank and then paying money into one of there accounts it would be obivious that they wouldn't be happy.

On one side you can say horrible barclay card on the other they lent the op the money in good faith the have not stuck there agreement and say they won't pay more than fiver and then they have a nice load of cash put into the same groups acc.

BeenieCat

I only began to worry when my relative told me that her grant was swiped by BC.

I haven't been worried about them taking my regular money as i've not heard of that happening and they've never done it yet.

I owe money to Capital One too but i don't see them dipping into my bank account for it.

However that's a whole other debate which is best placed here:

http://forums.moneysavingexpert.com/showthread.html?t=1968609

edited to add, i didn't know til the other day i'd be getting a loan, and i did ask for my hipg to be paid via giro but they said no. The loan one i have no excuses for, it was just all short notice cos the ex has left me in the poo

izools

Bingy, you can't blame Beenie for not knowing that parachute accounts are required in instances like this.

It's forums like this where common or garden folk like Beenie come to get advice like learning what the purpose of a parachute account is.

No one is denying that Barclaycard lent Beenie money in good faith. Beenie is doing as best as possible under the circumstances - Beenie is agreeing affordable contributions, which she isn't actually legally obliged to pay anyway due to her only income being benefits - and her inability to meet the contractual payments is not by choice, things happen in peoples lives that leave them in situations that they can't predict. That's how life works, and we learn from instances like this not to let similar mistakes happen again - or atleast do our best

beginner52

Is there not a danger that a Basic Bank account (say with the Co-Op) has hidden ties? For instance I am thinking of opening a Cashminder account but have since discovered that Britannia are now part of the Group and I am in debt with them, will the same not apply or are such accounts "ringfenced"?