Barclaycard won't confirm in writing

RandN

I range Barclaycard this morning to settle a credit card balance with them that was passed to Moorcroft and passed back to Barclaycard.

They accepted over the phone and the guy said that Barclaycard accept £xx as a full and final partial settlement and the account will be closed as long as I pay by April 1st. When I asked them to send something out in writing they refused saying they don't do this as they are a reputable company and the calls were recorded! Is this ok? They will send out a letter once they have received the money.

Do they need to confirm full and final settlement in writing or should I just pay up?

Tixy

Ideally you would want it in writing.

But I do think there is a difference between dealing with a high street bank and a debt collector.

I'd probably speak to them again, get them to verbally confirm it again and ask for a reference number for that phone call and ask who you are speaking to - get them to specifically confirm that by closed that means the account won't be passed on to any debt collector again. And then if they'd give that information I'd probably pay.

I guess as an alternative you could even consider recording the call (ask their permission at the start of the recording if you did think of doing that)

Stephen_Leak

If one party to the call (ie. you) knows that it's being recorded, you don't have to advise the other party. Legally, it's no different to taking verbatim shorthand notes.

Firms have to advise callers of the possibility of a call being recorded, if they only record a sample, as their operators (the other party to the call) don't know which calls are recorded either.

Fruit_and_Nut_Case

Tixy wrote: »

I guess as an alternative you could even consider recording the call (ask their permission at the start of the recording if you did think of doing that)

I wouldn't ask; I'd tell them that I was recording it. After all, they do say that "calls may be recorded" and I consider that to be sufficient permission.

As I understand it, it is always legal to record a call. However the recording shouldn't be divulged to anyone outside the parties involved, without mutual permission. I'm willing to be proved wrong, though.

P.S. I do record all my calls on my trusty trueCall machine.

Miss_Spendalot_2

You could just call and ask to a supervisor, sometimes speaking to somebody else gives a different result. (maybe you will get something in writing from them)

Taking names of the people that you do speak to is sensible advise also though.

Good Luck.