Today I got a letter from Barclaycard. I am not very happy with this bunch of...
Dear xxxx
Thank you for contacting Barclaycard.
I am sorry to learn that you are unhappy with the service that you have received from Barclaycard. Our aim is to provide a first class service for our customers and I regret that you had cause to complain.
The Office of Fair Trading have made recommendation to the credit card companies of taking action to review their levels of default charges, which they believe to be excessive. This is an important issue for the industry and Barclaycard have co-operated fully with the Office of Fair Trading in their investigations.
We remain committed to supporting our customers who may be experiencing financial difficulties and believe that our current policy is the fairest way of applying fees to those who break the terms of their agreement.
I have checked the information we have recorded with the Credit Reference Agencies and can confirm that it accurately reflects the conduct of your account, and cannot therefore be amended. I would add, however, that we update the information on a monthly basis and your record will improve as the file is updated. The agencies keep records for at least 36 months, so any late payments will be deleted three years following their notification to the agencies.
However, you can write to the agencies and ask to add a notice of correction of your file. This means that any financial institution searching your file will be aware of the reasons for any late payments. I have enclosed a copy of the Office Trading Booklet "No Credit?", which explains the steps you would need to take to achieve this.
For your information the undue charges levied to your account have been refunded as a gesture of goodwill. However please note this gesture does not affect the information reported to the agencies.
Customer satisfaction is of the utmost importance to Barclaycard. For your information I have enclosed a leaflet detailing how we manage complaints. Should you have any immediate concerns or queries, please do not hesitate to contact our Customer Service Department on the telephone number shown above.
If I do not hear from you within 8 weeks from the date of the letter, I will assume that your complaint is resolved.
Yours sincerely,
Gail Grail (Mrs)
Barclaycard Customer Services
I am really crossed because the charges were refunded (partially) only because I phoned to complaint. Also I didn't miss any payment, I only cancelled the DD with plenty time, and I arranged another way to paying them. The money got to them a day before the DD was going. When I phoned the told me I missed the months payment, I explains that it shows in my statement that not, they got their money one day earlier, then they said I haven't paid the minimun amount. So I told them that as per the DD bounce that shows in my statement they were going to collect £45, and I paid £55. Then the CSA decided to refund the charges for the bounce DD, the limit braching charges and half of the late payments.
So I have been defaulted even though I paid in advanced and they only refund half of the late payments, when I didn't pay late....
How do I proceed from here please?
I want them to paid me all the full charges and also to correct the Credit record...I have already arranged to pay them nearly all my balance, but I still will have to stick with them until I can clear the account and close it asap. But also I want everything sorted.
Credit reports 
Re: Credit reports 
Re: Credit reports 
