Barclaycard deal ended without warning

Theshipscat

Just an update on this. I have been refunded £300. Bit of advice for you experts, the legal rules are they must notify you 80 days and 30 days before the deal ends. I didn’t receive either. However it was on my statements and I should’ve paid more attention. I was about to accept the £600 of interest charges but just before hanging up I asked if we could do a deal, thank you to Tracey at Barclay card for giving me £300 back. The debit is now cleared. I believe if I’d gone down the legal route with this I’d have got all my interest back but I don’t have time or the patients for another bloody battle. 

zzyzx1221

Theshipscat said:

Just an update on this. I have been refunded £300. Bit of advice for you experts, the legal rules are they must notify you 80 days and 30 days before the deal ends. I didn’t receive either. However it was on my statements and I should’ve paid more attention. I was about to accept the £600 of interest charges but just before hanging up I asked if we could do a deal, thank you to Tracey at Barclay card for giving me £300 back. The debit is now cleared. I believe if I’d gone down the legal route with this I’d have got all my interest back but I don’t have time or the patients for another bloody battle. 

I suspect you wouldn't have.

I'll put money on it that Barclaycard did notify you and have a record of this. You got a gesture of goodwill, nothing more.  It doesn't mean they were wrong and you were right, it's oftentimes just cheaper than arguing back and forth for weeks on end.

k3lvc

So in summary you signed an agreement, forgot about a core part of the agreement (i.e. repaying before a certain date), failed to read regular statements and then looked for someone to blame/a loophole to avoid upholding your part of the agreement

Assuming you genuinely received in (in which case more fool Barclaycard) your £300 might be a pyrrhic victory if it closes down credit lines for you in future

[Deleted User]

Theshipscat said:

Just an update on this. I have been refunded £300. Bit of advice for you experts, the legal rules are they must notify you 80 days and 30 days before the deal ends. I didn’t receive either. However it was on my statements and I should’ve paid more attention. I was about to accept the £600 of interest charges but just before hanging up I asked if we could do a deal, thank you to Tracey at Barclay card for giving me £300 back. The debit is now cleared. I believe if I’d gone down the legal route with this I’d have got all my interest back but I don’t have time or the patients for another bloody battle. 

As I said, they DO notify you, I have the emails to prove it, I have attached an example sent 30 days before the ending. Yours were either deleted by mistake, put into junk mail and you missed them or they have the wrong email address (unlikely as you said you got other emails). These things are automated, not reliant on someone remembering.

TOP_CAT

I wonder how the MSE experts would handle the financial stresses of the building trade givern they cant advise making a simple £300 ph call?

Theshipscat

Sanctimonious is the only word I can find for you lot. 

A_Lert

Good to hear you got a good result.

If you do everything online promotional rate dates are usually in the "PDF Statements". Someone who just checks the website or app transaction list might not see those details, and the email notices evidently went wrong somehow though you can't prove whose fault that was.

Lesson learned for next time.

cymruchris

Theshipscat said:

Sanctimonious is the only word I can find for you lot. 

I'm very happy you've got some money back, it's always good to see, and that's a great result on a personal level - but people are only pointing out the facts - and it's not something we always want to hear. Forums tend to be quite blunt when it comes to people that have messed up on something and try and blame someone else. You might not have seen something, but that's not the same as not receiving something. No matter your thoughts on people's advice, do your utmost to keep a track of your promos going forward.

kimwp

Theshipscat said:

Just an update on this. I have been refunded £300. Bit of advice for you experts, the legal rules are they must notify you 80 days and 30 days before the deal ends. I didn’t receive either. However it was on my statements and I should’ve paid more attention. I was about to accept the £600 of interest charges but just before hanging up I asked if we could do a deal, thank you to Tracey at Barclay card for giving me £300 back. The debit is now cleared. I believe if I’d gone down the legal route with this I’d have got all my interest back but I don’t have time or the patients for another bloody battle. 

It would be good to have the source for the legal requirement to notify 80 days and 30 days in advance, all I can find is the article below which says they have no requirement to provide a notification.
Also, wouldn't putting the date on the statement count as notification?

https://www.thebalance.com/credit-card-interest-rate-increase-notice-961091

2021BJ

kimwp said:

Theshipscat said:

Just an update on this. I have been refunded £300. Bit of advice for you experts, the legal rules are they must notify you 80 days and 30 days before the deal ends. I didn’t receive either. However it was on my statements and I should’ve paid more attention. I was about to accept the £600 of interest charges but just before hanging up I asked if we could do a deal, thank you to Tracey at Barclay card for giving me £300 back. The debit is now cleared. I believe if I’d gone down the legal route with this I’d have got all my interest back but I don’t have time or the patients for another bloody battle. 

It would be good to have the source for the legal requirement to notify 80 days and 30 days in advance, all I can find is the article below which says they have no requirement to provide a notification.
Also, wouldn't putting the date on the statement count as notification?

https://www.thebalance.com/credit-card-interest-rate-increase-notice-961091

That's a US site.