Barclaycard won't accept my payment

TengoNoDinero

:mad: (x posted on Debt Free Wannabee Board)

Have just come off the phone with Barclaycard.

We have started to try and sort our finances out and I posted my SOA here recently. It has taken far longer than anticipated and as it was my son's birthday this weekend, we didn't get much further than we were at the end of the week.

Barclaycard phoned me last Thursday to ask for a token payment. We literally had no money in the account at that point as my husband didn't get paid until Friday, which I relayed to Barclaycard (us having had to borrow some cash from our neighbours just to be able to get food). The man I spoke to agreed that I could pay £10 once the salary had gone in.

OK, I didn't get the chance to phone back on Friday, as we were trying to sort out the financial paperwork with a view to having a proper figure we could stick to, to give to Barclaycard, and the weekend was madness due to his birthday being on the Sunday, but his going out with his Dad on the Saturday. Hope you follow that? Unfortunately, my medical condition makes concentration difficult, especially when I'm stressed.

They beat me to it and rang this morning and I said I would pay the £10, and was about to get my debit card out, when she said she was my debt manager and they could accept no less than £49 (or such figure, was too shocked to register). I said I'd agreed £10 on Thursday, but she said the man hadn't noted that (yeah, right) and she could not accept £10. I said that was the most I could let them have and she said it would have to be passed to the next stage of the system, which would involve a Default Notice.

So I'm here willing to pay £10, which they had agreed, and Barclaycard won't now accept it. What do I do?

And just for good measure I've just had a call from Club La Costa :rotfl:

Trying to keep my pecker up, but it ain't easy

F

jonesMUFCforever

Let them do their worst. Pay them the £10.
If it gets to court they will look stupid.

TengoNoDinero

Good to see another MUFC supporter :beer:

The problem was, the woman this morning WOULDN'T take my payment :mad: However, I've just paid them through the general payment number, so they can't try and say I haven't made any payment this month.

Cheers
F

zx2011

You might want to send a letter of complaint and remind them of these two sections from the Banking Code.

2 Fairness commitment

We will deal quickly and sympathetically with things
that go wrong and consider all cases of financial

difficulty sympathetically and positively

14 Financial difficulties – how we can help

14.1

We will be sympathetic and positive when we consider

any financial difficulties you may have. Our first step will be

to try to contact you to discuss the matter.

14.2

If you find yourself in financial difficulties, you should let

us know as soon as possible. We will do all we can to

help you to overcome your difficulties. With your cooperation,

we will develop a plan with you for dealing
with your financial difficulties and we will tell you in

writing what we have agreed.

The full version is at http://www.bankingcode.org.uk/pdfdocs/PERSONAL_CODE_2008.PDF

TengoNoDinero

Thanks marcgr

That's really helpful. I feel like I'm wading in small print at the moment, so thanks for the direction.

Cheers
F