Barclaycard Initial - Gone over Limit

Neil-HJ

Just wondering what happens now?

I accept it is partly down to me, but there was an error in the Barclaycard Payment system, which wouldn't allow me to pay the final £100 owing on my account last month, and when I contacted Barclaycard they were no help whatsoever.

Now this month, with mum and girlfriend's birthdays and some other events (all in one month, I should've realised and planned better), I've gone about £150 over my limit.

Any help/advice would be appreciated.

ScottHeron

Pay it back as soon as possible. If you have gone over limit by £150, i would repay £170 - the extra £20 covers any fees you will probably get

scattydove

They will most likely incur a charge for you exceeding the limit, and possibly one for not making the payment on time (even though it seemed to be a technical malfunction at their end).

IF you called them they should have a record of that call on the system. It might be worth writing/emailing them and explaining the situation, how you didn't receive good customer service when you tried to investigate the problem? It might not help but at least you've done as much as you can that way.

Good luck

SD

Neil-HJ

As my phone is currently out of action, I have e-mailed Barclaycard via their secure messaging.

I explained to them I've been previously unable to make payments for the full balance on my account due to a system error saying it would put my account into balance when it wouldn't and that it's been ongoing for 2 months despite me contacting them more than once.

I've given them a timescale for which I will be able to make the payments in, (under 2 weeks) and requested that we can make a form of compromise as both myself, and Barclaycard are at fault for the situation (due to their system error which their staff have been 100% unhelpful in sorting out).

I also mentioned that I'm still employed - and they have previous months before the error (6-8 months) where they can see I always paid the account off in full.


Will they be reasonable and patient with me? As I've contacted them and explained everything and given them a fair timescale for me to rectify the fault, but just requesting a form of compromise as a system error and unhelpful staff is also partially to blame.

Neil-HJ

scattydove wrote: »

They will most likely incur a charge for you exceeding the limit, and possibly one for not making the payment on time (even though it seemed to be a technical malfunction at their end).

IF you called them they should have a record of that call on the system. It might be worth writing/emailing them and explaining the situation, how you didn't receive good customer service when you tried to investigate the problem? It might not help but at least you've done as much as you can that way.

Good luck

SD

I paid off the first £400-ish of the bill, but the final £100-£150 which I could not pay off as if I even tried to make a payment for £1 it said my account would go into credit.

When I contacted them, they just instructed me onto how to make a payment - and when I told them what it said all they could say was "You have a payment pending already". Which I knew, but it wasn't for the full amount which they just couldn't understand.

So no payments were late/missed.