Paying Interest & charges Barclay at fault

[Daniel182]

Hello

 

I was chatting to my niece over xmas.

She told me about her credit card problem she had been experiencing.

 

 

A few months previous she applied and received a Barclaycard Freedom Rewards card,

so she could use it’s 8 months free 0% credit transfer.

 

When she applied, she filled out wanting pay offline with statements via post.

 

 

one months had passed no bill, she contacted Barclay, who said it was down as online service but she was told the error would be rectified. Few days later she was contacted by Barclay asking why she had not made a payment yet.

 

 

Niece told the Barclay employee what had happened with the mix up at the start.

The Barclay employee revealed at that point she would not be getting the 0%.

 

My niece had defaulted at the firsts payment (Even though the error should have be rectified)

and any other late or non monthly payments received she will receive a late payment charge and interest on the standard balance.

 

When she finally received her first bill it showed interest & charges added.

 

 

Barclay have also sent late bills and again charged her for late payment.

 

 

This is a joke can someone advise?

 

 

Thanks

[dx100uk]

surely regardless to if/if not she received statements by whatever method

it was obvious come the first month that money was due to be paid

 

 

did she have that ready and paid it as required?

 

 

dx

[slick132]

Hi Dan,

 

Thread moved into BC forum for you.

 

Calling BC's Cust'r Svs may be easier to do but YN needs to complain in writing or she's unlikely to get the matter resolved satisfactorily.

 

She should make a simple complaint by letter and send it to BC using RM Signed For delivery. YN should tell them :-

 

1. She wanted the a/c set up so a statement was posted to her each month, for her to pay offline.

 

2. She wants any interest and penalty charges to be removed as these have arisen due to BC's failures.

 

As DX says, I hope YN has the necessary money put aside to pay off whatever monthly amounts have been missed once BC gets their act in gear. If she hasn't, she is doomed to suffer normal interest charges on the transferred balance and on any purchases.

 

[Daniel182]

Thanks for replies.

 

 

dx100uk

 

 

I rang the niece up due to your post. Sorry it was one month and not two months that had passed before contacting them.

 

 

Sorry for the confusion.

[slick132]

Hi Daniel,

 

Get a letter off to BC as suggested in post #3.

 

[Daniel182]

Thanks slick132 letter sent off.