Barclaycard - A very bad situation

loughlini

I recently made a PPI enquiry to Barclaycard using Martin's standard letter and his suggested procedures. I have now had a reply from Barclaycard which has left me appalled and fuming.
The first part of the letter says that they have no responsibilities under the 'act' and cannot/will not provide my information. That may or may not be true - I will need to consider their reply.
The second part of their letter informs me that, with immediate effect, they are suspending my credit card since they feel I may not be able to make regular payments!!!
Yet I have an Experian credit score of 998/1000, I have never missed a payment, and they regularly increase my credit limit.
Is this a feeble, infantile retaliation from Barclaycard and can they do this? I use that credit card for ongoing subscriptions and various other things.
I am outraged!!!

Stupid_Question

loughlini wrote: »

I recently made a PPI enquiry to Barclaycard using Martin's standard letter and his suggested procedures. I have now had a reply from Barclaycard which has left me appalled and fuming.
The first part of the letter says that they have no responsibilities under the 'act' and cannot/will not provide my information. That may or may not be true - I will need to consider their reply.
The second part of their letter informs me that, with immediate effect, they are suspending my credit card since they feel I may not be able to make regular payments!!!
Yet I have an Experian credit score of 998/1000, I have never missed a payment, and they regularly increase my credit limit.
Is this a feeble, infantile retaliation from Barclaycard and can they do this? I use that credit card for ongoing subscriptions and various other things.
I am outraged!!!

Did your letter request a copy of your credit agreement?

lippy1923

How long ago are you requesting information for? I think lenders are only obligated to keep records for up to 6 years.
Experian credit scores mean nothing so don't rely on that for anything.
They are allowed to cancel credit agreements giving you notice. They can lend to whoever they want.

I was starting to wonder if lenders will start cancelling credit/ refusing customers who claim about mis-sales. Maybe complainers will go on some sort of black-list and only be offered credit with extortionate interest rates/ loan sharks in future.

Foxn86

They are within their rights to suspend further use of their credit product if they deem it appropiate to do so, its in tiny print in their long terms and conditions.
If you are going to be claiming PPI etc mabye best to do it to accounts that are closed or unused, as this is not going to make many companies very happy.
You could try writting and explaining you rely on the card but they have the right to revoke their products as do any bank etc at any given time. Awlful and petty i know ! mabye try and apply for another credit card today and get a balance transfer then you can continue as normal perhpas with a different company.

jellie

The OP is about to allege that Barclaycard mis-sold them a product.

Perhaps they have decided that they cannot continue to provide a line of credit to someone who makes such a complaint about them, and if they have to give compensation, OP will cost them money to do so.

Maybe they no longer want to provide credit services to someone who is so clearly unhappy with how Barclaycard have treated them?

dunstonh

I recently made a PPI enquiry to Barclaycard using Martin's standard letter and his suggested procedures. I have now had a reply from Barclaycard which has left me appalled and fuming.

Nothing wrong with their response. So, why are you fuming?

The first part of the letter says that they have no responsibilities under the 'act' and cannot/will not provide my information. That may or may not be true - I will need to consider their reply.

It is true in the context of the circumstances.

The second part of their letter informs me that, with immediate effect, they are suspending my credit card since they feel I may not be able to make regular payments!!!

That is also a consequence of your request. They are quite right to do this as most people following the route you are using do so to try and get out of paying their legal debts. It is common sense on their part.

Yet I have an Experian credit score of 998/1000, I have never missed a payment, and they regularly increase my credit limit.

A marketing score by experian is irrelevant and they are not saying your are financially unable to repay. Just that they are reacting to your request which indicates you may be trying to get out of paying.

Is this a feeble, infantile retaliation from Barclaycard and can they do this? I use that credit card for ongoing subscriptions and various other things.
I am outraged!!!

it is not retaliation. It is common sense on their part. if you use the method commonly used by people trying to get out of paying their debts then you cannot blame them.

If you wish to continue to use the card then tell them you are happy to sign a new agreement.

[Deleted User]

dunstonh wrote: »

If you wish to continue to use the card then tell them you are happy to sign a new agreement.

Leaving aside all the personal attacks by earlier posters, this is now the best advice for the OP.

The OP has obviously sent the Bank a request for Terms & Conditions of his credit card as suggested by the MSE advice article.

This can be a useful (and cheap) method of procuring the account details if a potential PPI complainant does not have these.

Unfortunately, this method is also employed, in a less straightforward manner, by some individuals hoping to make their finance unenforceable in a court of law. If the Bank is unable to supply the agreement to a customer then the Bank loses the ability to take the customer to court for non-payment.

It seems that the OP has found (to his chagrin) that the Bank no longer have the T&Cs he requested. The Bank have decided to act in the manner they have because they think the OP is trying to get out of paying his debt.

What the OP needs to do is swiftly contact the Bank and inform them that he only wanted the T&Cs in regard to a potential PPI complaint and that he agrees to sign a new agreement in order to keep using the card.

Hardly a "bad" situation OP, it can be quickly sorted out once both sides are aware of the other's confusion.

[Deleted User]

lippy1923 wrote: »

Maybe complainers will go on some sort of black-list and only be offered credit with extortionate interest rates/ loan sharks in future.

This is not the case. Complainants are not discriminated against in any manner with regard future or current finance.

Foxn86 wrote: »

If you are going to be claiming PPI etc mabye best to do it to accounts that are closed or unused, as this is not going to make many companies very happy.

Applying for T&Cs on accounts which are closed are refused!

jellie wrote: »

Maybe they no longer want to provide credit services to someone who is so clearly unhappy with how Barclaycard have treated them?

None of this is accurate information!:eek:

ILW

Moneyineptitude wrote: »

This is not the case. Complainants are not discriminated against in any manner with regard future or current finance.


Applying for T&Cs on accounts which are closed are refused!

None of this is accurate information!:eek:

Do you have any evidence of that?
Many people have had overdrafts withdrawn and told to take their business elsewhere after complaing about banks service.

My small business has been known to refuse to supply customers who are more trouble than they are worth.

[Deleted User]

ILW wrote: »

Do you have any evidence of that?

My "evidence" is that literally millions of people were potentially mis-sold PPI.

If the Banks were to hold some kind of "grudge" against all these people, they'd be basically cutting off a whole revenue stream that they can ill afford to lose.

The Banks have to re-build confidence in the Banking system, any such tit-for-tat retaliation by them would leave their reputation even further into the gutter.



The OP's situation is simply confusion caused by MSE's advice article not making clear exactly what they are suggesting the OP should do.
Remember, the OP hasn't even made a PPI complaint!
This is not Machiavellian tactics by the bank!

ILW wrote: »

My small business has been known to refuse to supply customers who are more trouble than they are worth.

Of course, there are always some examples of individuals like that being excluded from any business.

loughlini

Right, I spoke to a nice young lady at Barclaycard who had to refer my call to their "Section 78" department. It seems that Barclaycard cannot provide a copy of my original T&Cs since I've had that card for many years. That leaves them open to potential legal action (by me). Threatening to suspend my card account was a legal safeguard for themselves. They will get back to me within 48 hours with their 'findings'. I have offered to withdraw my request for T&Cs to see if that will ease the situation.
It seems to me that you should not submit a PPI request unless you have a very strong feeling that you have been mis-sold and have a strong case. A casual enquiry can have these unfortunate consequences.
Also given that we all rely on credit cards to pay for petrol, holidays, business services etc., it is quite frightening that your financial 'health' can be demolished in an instant by some random call centre operator.
I wish I'd never heard of PPI. Anyone for Business Rate Reductions.....
Ian