What to do with lies from staff at Baclaycard

LaMon

bradders1983 said:

jonesMUFCforever said:

I would like to add to above posts - if you wish to remain a Barclaycard customer now and in the future I would tone down your comments.
No credit card company had come up with any kind of plan about how to deal with the lockdown by the date you phoned them.

And now they do have a plan.  Payment holidays with interest still being charged. So the OP is on a hiding to nothing here unless he can get a recording of the phone call.

I do have a recording of the phone call. 

lr1277

When you made the recording, did the Barclaycard operative know you were recording the call?

Then I wasn't sure if you had to tell the other person you were recording the call.

So I looked up "UK law on call recording"

And came up with this webpage:

https://www.businesssystemsuk.co.uk/is-call-recording-legal 

Scroll down to:

4.  Can I record telephone conversations on my home phone?

This section suggests this recording is for your own usage. In that you cannot pass this recording back to Barclaycard as proof of what was said.

If this is the case, you should see if Barclaycard have the same conversation recorded and that what is recorded is what you remember of the conversation.

Otherwisee, I think your best course of action was recommended in the post by Willing2Learn.

HTH

LaMon

lr1277 said:

4.  Can I record telephone conversations on my home phone?

This section suggests this recording is for your own usage. In that you cannot pass this recording back to Barclaycard as proof of what was said.

If this is the case, you should see if Barclaycard have the same conversation recorded and that what is recorded is what you remember of the conversation.

Otherwisee, I think your best course of action was recommended in the post by Willing2Learn.

HTH

Thanks, I once had a chat with a paralegal who was not very honest, funny how fast the actual solicitor was calling me back when I mentioned I have all the lies recorded. Changed solicitors immediately after that. 
I have sent a message of complaint to Barclaycard

D3xt3r5L4b

Lies lol

Oh dear...

jonesMUFCforever

wizzywig27 said:

jonesMUFCforever said:

I would like to add to above posts - if you wish to remain a Barclaycard customer now and in the future I would tone down your comments.
No credit card company had come up with any kind of plan about how to deal with the lockdown by the date you phoned them.

lol, because so many Barclaycard staff come on here, and even if they did, somehow closing his account (as you implied) is near enough impossible based on a couple of comments on a forum!

Ha Ha I did not mean Barclaycard recognising the OP  from here.
I meant any future interest free deals or limit increases may disappear with the ultimate sanction of getting the letter stating 'We believe that our customer/banking relationship has irrevocably broken down etc' - in other words pay off what you owe then go to somebody else. 

cymruchris

I would imagine that it's not LIES! More likely a genuine mistake - whereas they did agree (subject to your recording) to take a certain action - that then probably got over-rode by implementing a nationwide policy response to the virus. Rather than jump up and down - accusing them of this and that - you should put together a polite complaint letter outlining the timeline of events, quoting exact wordings from your recording - then request them to check their recording of the conversation, so that they can take relevant steps to put the matter right. You have to bear in mind that all financial institutions have been hit by a whirlwind of challenges over the space of just a few days - so there'll bound to be a few mistakes made along the way, however I'm sure that with a little time and patience you'll be able to resolve the matter to your own satisfaction if you're polite, but firm with them, and don't just tell them they told a load of lies! 

2e0arr

Make a subject access request for a legible copy of the telephone calls under data protection laws. This will prove one way or the other what the OP you spoke to said. then proceed with a complaint if necessary. An SAR cost you nothing. visit the ICO site ico.org.uk.dont try ringing them just now but certainly you can get a text chat going most days.

LaMon

jonesMUFCforever said:

wizzywig27 said:

jonesMUFCforever said:

I would like to add to above posts - if you wish to remain a Barclaycard customer now and in the future I would tone down your comments.
No credit card company had come up with any kind of plan about how to deal with the lockdown by the date you phoned them.

lol, because so many Barclaycard staff come on here, and even if they did, somehow closing his account (as you implied) is near enough impossible based on a couple of comments on a forum!

Ha Ha I did not mean Barclaycard recognising the OP  from here.
I meant any future interest free deals or limit increases may disappear with the ultimate sanction of getting the letter stating 'We believe that our customer/banking relationship has irrevocably broken down etc' - in other words pay off what you owe then go to somebody else. 

Ha, ha, ha, "don't use interest-free deals or limit increases" I have a BLT Mortgage and a current account in the same place. Integrity and truth are things rarely found nowadays. I like to deal with people who do as they say. Funny that. And it will be them apologising to me for adding additional and unnecessary stress in these mad times. 

LaMon

2e0arr said:

Make a subject access request for a legible copy of the telephone calls under data protection laws. This will prove one way or the other what the OP you spoke to said. then proceed with a complaint if necessary. An SAR cost you nothing. visit the ICO site ico.org.uk.dont try ringing them just now but certainly you can get a text chat going most days.

Thank you, that is most helpful. I hope it won't have to come to that as I have sent my message to them. I spent 2.5h on the phone and that was a very frustrating waste of time. I pay a licence fee to ICO. 

Marcio45

Getting a little confused. All this stress because of a £35 interest charge? You can at any time change the monthly payment to the minimum payment (2.25% or interest charge plus 1% of the balance). You dont refer what is your interest rate but on 2.2k your minimum payment would not exceed £65. And you had agreed to pay the minimum anyway. If you had no interest charge your minimum payment would probably be around £45 anyway. I dont think this is worth all the stress.
You have made a complaint, let it run. Do be fair, as others said, this is all new territory for the banks. And now they are actually allowing payment holidays, although you still get charged interest.
In my own experience Barclaycard is one of the best around. Not many months ago i contacted to discuss interest rates and they offered 2 months interest free. They had no obligation to do so.