Barclaycard credit refund, the new one for customer in financial difficulty

stewaj4

Hi everyone, I hope someone can advise. Ive received a letter from Barclaycard re a previous card I had in light of this refund they are giving for people that were in debt and struggling.


I was on a Debt management plan and off the top of my head Barclaycard were the only creditor charging interest and being obstructive about my payments. I had 3 of these at the time!


I settled them in 2014 via full & final settlement for a little less than the actual debt. I received defaults, and a mark on my credit file to say debt partially settled.


The letter states that because I settle via full and final settlement I am not due anything back but if I can call them with a reason as to why I think I am due then they will consider a payment...


Is this them inviting me to call them? I feel the way they didn't reduce interest and were generally obstructive and unsympathetic towards my situation I should be entitled the same as everyone else.


What does everyone think before I call them?


Thanks

dunstonh

If you are after some redress, they are allowed to set it off against the unpaid amount of the debt written off as part of the reduced settlement.

If you are in current financial hardship, it is possible to persuade them to pay it to you. This is why they are asking that question. Current finanical hardship is about the only reason why they consider it.

I feel the way they didn't reduce interest and were generally obstructive and unsympathetic towards my situation I should be entitled the same as everyone else.

But you didnt end up paying them as they reduced the amount owed as part of an agreed settlement. So, why do you expect them to pay you back for something you didnt pay in the end?