Barclaycard credit card taking forever

[Deleted User]

cristoff wrote: »

I had an Egg card for years with no problems with payments, however I had issues with Barclaycard some time ago and they refused to issue me with a card on the changeover.
I have argued with them that they have, in effect, cancelled my account and should not be charging me interest. After six weeks I finally received a reply saying "get lost", our choice, you keep paying or else.
If I don't agree write to FSA, letter already on it's way to them

I'm doubtful of you getting anywhere with this. The Banks reserve the right to withdraw credit facilities from anyone at their own discretion. However, the amount still owed on the account is still subject to the interest you agreed to pay so you can hardly argue that they should remove this.
I'd say the only successful outcome you might have is to persuade the Bank to extend you new credit facilities, but I'd imagine this will depend on how much you still owe on the Egg account and whether your "issues" with Barclaycard preclude you from having a card with them.

Confused44

Moneyineptitude wrote: »

You need to take this to FOS immediately. Remember, you only have six months from the date of the original "full and final" rejection letter.

Oh blimey Moneyineptitude, do you think that's best? It was the end of Feb when I asked them to reconsider and I got 2 letters, the first dated the 5th March saying they would look into my complaint again and then the 2nd dated the 14th March apologising for the delay etc and saying they needed more time. I've heard nothing since. When I phoned 4weeks ago, all they did was tell me about the letters I had received and say it can take a couple of months! Even although I did point out it was almost 4 months! I didn't go to FOS as they had reopened my case, but do you suggest that would be my best way forward now or sit tight for a bit longer? Thanks and have a good weekend.

[Deleted User]

Confused44 wrote: »

I didn't go to FOS as they had reopened my case, but do you suggest that would be my best way forward now or sit tight for a bit longer? Thanks and have a good weekend.

Go to FOS. The time taken so far would have put your case much further up the Ombudsman's queue. As I said, you only have six months from the date of their original rejection.

Confused44

Moneyineptitude wrote: »

Go to FOS. The time taken so far would have put your case much further up the Ombudsman's queue. As I said, you only have six months from the date of their original rejection.

Ok I will take your advice. Like I said I didn't FOS it as Barclay have reopened it. I'm sorry to sound daft but will that mean when FOS receive my complaint Barclay will wash their hands of it or could it still be finally processed by them, as I believe it is now with the redress team who have no time limit put on them?

[Deleted User]

Confused44 wrote: »

Ok I will take your advice. Like I said I didn't FOS it as Barclay have reopened it. I'm sorry to sound daft but will that mean when FOS receive my complaint Barclay will wash their hands of it or could it still be finally processed by them, as I believe it is now with the redress team who have no time limit put on them?

Sending it to FOS might actually bring you redress in the first place!
If FOS agree with your complaint (which is likely given it's a front-loaded loan)the Bank will be instructed to pay you a full refund plus 8% simple interest.
The Bank have to abide by any FOS decision and will pay FOS a fee for your complaint being passed to them, so they will hardly "wash their hands of it"
At least you won't now miss the opportunity to appeal to the Ombudsman at all.

MIKEY49

Confused44 wrote: »

Ok I will take your advice. Like I said I didn't FOS it as Barclay have reopened it. I'm sorry to sound daft but will that mean when FOS receive my complaint Barclay will wash their hands of it or could it still be finally processed by them, as I believe it is now with the redress team who have no time limit put on them?

I am in the same boat, applied for ppi in November 2011 from an old loan that was payed off early in 2005. I had the letter they sent which confirmed how much i had to pay back and the account number etc but received a letter from them in December saying they could not uphold my claim due to not having a policy number. If I could give them any further information they would be willing to look at it again but otherwise condider this as final and due to the date of the loan I was unable to go to the ombudsman.
I then checked my online banking statements the beginning of January which to my surprise went back 10 years and found approx 4 more more digits added to the account number they already had and phoned them with this information. On the 5th Jan received a letter saying they were sending for information and another letter asking for more time but giving me the option of going to the ombudsman due to it being over 8 weeks. Have had no other written communication since but have phoned a few times with little joy other than it will be dealt with and it was purely due to the number of cases they were reopening. My loan is clearly a single payment premium that probably consolidated 2 previous loans and am sure should be upheld.
I spoke to Barclays last week and they are still saying it will be dealt with and has not been forgot about which was my concern when you read other peoples circumstances. The last call she did say it had been updated and moved to another department, so making it sound like something is happening?.
I did phone FOS about 2 month ago who said getting them involved would probably only delay the process and confirmed that barclays were genuinely inundated. He suggested giving them more time.
Now after reading recent comments have i done the right thing, surely if you have letters saying they are still investigating and also no descision about the actual policy as only refused on the grounds of lack of policy number the ombudsman would be willing to look at it, that is if i get a further rejection letter which i presume should inform me of my right to take it to the ombudsman
It only tends to be the cases that are reopened that are taking such a long time. Are their many others that have waited 6 month?

Confused44

MIKEY49 when I called Barclay 4 weeks ago the impression I got was that it was taking longer because the case had been reopened. If I'm honest my initial letter to them was too general and did not make it clear my reason was front loaded ppi, so I got the standard rejection. When I wrote back being very specific, I had a letter within a week saying they would look into it again then 2 weeks later, the same " we need more time" letter as you.
I'm scared if I go to FOS then it will simply mean joining the back of the q and will have wasted the past 4 months. I think I will call again next week for update and if it's still being processed will take it from there.

Good luck, I hope you hear something soon

[Deleted User]

Confused44 wrote: »

I'm scared if I go to FOS then it will simply mean joining the back of the q and will have wasted the past 4 months.

You have wasted that time. As I said earlier, it's four months you could have been in the queue at FOS.
Remember you only have six months from the date of the original rejection letter to go to FOS.
I'm surprised the Bank didn't identify the front loaded nature of your policy in the first place, which is why I think you should have gone to FOS long before now.
As ever, it's your choice.

Confused44

Moneyineptitude wrote: »

You have wasted that time. As I said earlier, it's four months you could have been in the queue at FOS.
Remember you only have six months from the date of the original rejection letter to go to FOS.
I'm surprised the Bank didn't identify the front loaded nature of your policy in the first place, which is why I think you should have gone to FOS long before now.
As ever, it's your choice.

I understand what you are saying but I asked on here when I received the initial rejection and I was advised to go either to FOS, but was warned it would take up to a year or told I should write back to them and ask them to reconsider, so I did this and case was reopened.
My initial letter was very general tbh and my second one very specific which seemed to prompt it being reopened.

[Deleted User]

Confused44 wrote: »

My initial letter was very general tbh and my second one very specific which seemed to prompt it being reopened.

I'm appalled that they didn't identify their own front-loaded mis-selling and just concentrated on the complaint reasons you gave.
Do note that the reconsideration can still result in another rejection, by which time it may be too late to go to FOS.
I also think they are taking entirely too long and deserve to pay the fee they are charged for each complaint referred to FOS.