Barclaycard and CCCS payments!

beth3735

Due to CCCS paying Barclaycard early in Dec due to Christmas, it meant that Barclaycard got nothing this month. I had called them and warned them of this and they said back then that it would be ok to recieve jan payment after the due by date.

I just called them today as i had a letter in my statement saying its in arrears now blah blah, I said that they had recieved jan payment 4 days late but that i was told it would be ok, He said i need to get the CCCS to pay this months early. I don't think this is even possible, even though i pay CCCS on the 1st ,they don't usually issue payment till the 24th.

Also Barclaycard keep bringing forward my due by date, It used to be the 24th, then 21st, which is why we missed it this month, and feb payment is now due 18th. He said it needs to be paid by then, and for future payments he has set back to the 24th.

Grrr if only i had the spare £810 to pay them off early i would, as they have never once in 6 yrs stopped my interest

simeyb

Why on earth does it take CCCS 24 days once they have your money to pay the creditor? Is this right? They should be making payments in a couple of days by Faster Payments shouldn't they? I agree Bcard are a bunch of so and so's, but hell you could send it quicker that CCCS!!!

beth3735

I always wondered this, but I think as its a charity its their way of making money from interest earnt on those 24 days maybe? Not 100%, but Barclaycard was just pushing and pushing for an earlier payment date.

Im just thinking do i just ignore it as i only have 10 months left, but im just weary they may start adding charges on this close to the end!

simeyb

I think the other issue Beth is that they can still make a mess of your credit report, but if you're like me, getting close to the end of a very long DMP and working hard to repair your credit rating it is best to try and keep them onside. Having said that, I have often got to the point, especially 6 years into my DMP and having paid 80% of all my debts, that I want to tell them all to shove it!

beth3735

Thats exactly how im feeling at the moment with this 1 company, All other 10 creditors all finally played ball nicely for the majority of my DMP, but Barclaycard have never once played properly.

Im quite lucky i already have a mortgage, so no quick need for a clear credit report, but would be quite happy if nothing else damages it so close to the end

Time_to_face_the_music

beth3735 wrote: »

Grrr if only i had the spare £810 to pay them off early i would, as they have never once in 6 yrs stopped my interest

Apologies if I have asked you this before but have you ever reported Barclaycard to the FOS?

beth3735

Time_to_face_the_music wrote: »

Apologies if I have asked you this before but have you ever reported Barclaycard to the FOS?

Hi, no you haven't asked me that before No i never have, didn't know i could. I have often asked Barclaycard to stop interest, but their comeback is they have reduced my interest to a helpful one and that if i was still on 29.9% i wouldn't be able to pay as much off.

The interest started at 7.9%, went up to 10.9% and recently has gone upto 12.9%. I do understand about the goodwill rate, but its just so frustrating when a creditor i owed over £3k has already been paid off as they stopped interest instantly, whereas Barclaycard is just taking so long to shift!

Time_to_face_the_music

Yes you can complain and the FOS will back you up. There is no guarantee you will win but if you do, the FOS are very good at getting interest and charges repaid to you

http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Check it out and see what you think

beth3735

Great thank you for that link, I will take a look now

heatherks

i had an agreement with barclaycard that i would pay 15th every month but statements they send ask otherwise payments due 7th, . 6th etc

are you paying more than £15 a month Barclaycard told me anything over that accrues interst at 12-9%

i was on 0% at the start of my repayment plan and they upped it to 12-9% without notice and wouldn't reduce it .. so told them as they didnt give me 28 days notice i was reporting them to fso also i was on a repayment plan and still paying interest was not help reduce my balance

Bettingmad

Barclaycard are gangsters in disguise, they want to keep a hold of you whilst in debt because they continue to profit from your misery.

I have two accounts with them, one a transferred egg credit card where egg had frozen interest at the start of my dmp. The card dated back to 2004. At my first annual review Barclays started to charge interest at 6.9%. My other Barclaycard was charged at 6.9 from the very start.
I was informed that if you are paying under 1% of the balance no interest is charged. Between 1% and 2%, 6.9% interst is charged. Over 2% of the balance and they up the interest to 12%.

I questioned the rationale and they see it that you can afford it due to the increase in payments and not in debt distress.
They couldn't grasp the fact that I was no better off than someone who was only able to pay a small amount because we all have allowable expenditure and the very fact that my payments didn't correspond to me having more available money, as all surplus over basic expenditure goes to paying off the debt.

I wrote and complained about the fact and they maintained that charging interest was appropriate and the fact I was benefitting from a far lower rate that a customer who was paying the standard rate.

I am drafting a response to this pointing out that as a result of being in debt distress I am not a standard customer. I am also pointing out that they are currently offering new customers 24months interest free. I know it won't make any difference to the outcome apart from me venting in their direction which will make me feel better.
They are undoubtedly one of the worst creditors out there who want to suck the blood out of our misery.

Funnily enough despite paying the old egg with the same % payments they have as a mater of goodwill reduced the interest on this account to 3%. I suppose it has nothing to do with the fact that they are wary of me going down the unenforceability route? I don't want to go down this route, all I want is some fair play, however Barclays just see us as easy targets.

Barclays had the cheek to write sayng when I had to reduce a payment taht they amy default me. I wrote back pleading with them to default me saying I would be in a far better situation that having my report littered with AP markers long after the default will have dropped from my other creditors.

They present the moral high ground toward their creditors whilst having commited scandal after scandal Re Libor and PPI scams. Rant over..........................