Barclaycard trying it on?

formertvpresenter

Hi Money Saving Experts & all the fans. I'd like to share my frustration with you and how I've just tackled some trouble given to me by Barclaycard. Back in 2007 I went through some tough times: my family home was repossessed, I had 2 credit cards Barclaycard & Mint) & a loan and was paying substantial interest rates. Following Martin's advice :money: on this site I managed to bring the interest to a '0' on both cards & had the loan written off after making a PPI claim. RESULT! :beer: But this is what happened with the Barclaycard.

After nearly 2 years of writing letters to Barclaycard and complaining to FOS I received a letter confirming that the balance was written off and the account closed. That letter was dated 01.02.2010. :T You can imagine how furious I was to receive a letter from Barclaycard TODAY (01.02.2014) suggesting that the balance was still outstanding and that legal proceedings will be taken against me after 28 days from the date of the latter (31.01.14) if I don't pay the balance in full or arrange an acceptable monthly repayment!!!

I was absolutely fuming. :mad: So I went through my filing cabinet, dug out all the communication with Barclaycard & FOS during 2008-2010 & found their letter dated 01.02.10 confirming closure of the account. I called Barclaycard while recording the conversation on my mobile. The guy tried to justify the new letter, saying that this refers to my 'other' account still open with them (which I've never had!), then saying that this new letter was sent to me for filing purposes only (???), then finally confirming that I was right & the balance WAS in fact written off back in 2010! I told him that the conversation was being recorded; told him that I now expect a letter from them confirming our conversation; told him that I expect Barclaycard to provide the Credit Reference Agencies with the true information in regards to my account.

I wonder - how many people have received such letter from Barclaycard today? How many people are now feeling bullied by the bank and don't know what to do? But my advise to all: don't give in & don't give up. Don't let them bully you. Fight! It is worth it.

Best wishes to all - :A