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I have a barclaycard account which ive just been told was closed in june but due to a credit report not a default, i phoned them and i missed one payment in 12 months, i am arguing as they closed it i am not contracted to pay interest on it they say i am so i then asked to send it to a DCA as interest would then stop which they refused
any one help
I assume there is at least 1 penalty charge on the a/c which you can reclaim.
Is this interest worth arguing about - I guess it depends on the a/c balance, on which they are charging interest.
Have they written to you confirming closure of the a/c. Are you ok with this or would you prefer to keep the a/c open. If so, they may be open to discussion or negotiation.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
hi
no its not any charge im bothered about, the interest is £9.98 per month on an outstanding balance of £480 but ive always paid it around £30 per month if they continue to charge me the interest that will be about £150 before ive settled it yet i didnt default and they wont send it to a DCA so im thinking of sending a letter each month to reclaim the interest as it must be an unfair term and if they wont refund it ill c/court them each month, they increased my limit in march and closed the acc in june
They're not going to refund interest each month re your "unfair term" opinion.
Perhaps a CCA request is your best next move. If/when they fail to produce the credit agreement within 12+2 days, stop paying on the a/c.
They'll hand it over to Mercers or another of their bunch and I think they'll stop adding interest.
The only problem is you'll get a default against your CRA data. It may eventually be possible to get this removed, but it usually takes ages and no end of letters.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
A time order isnt really any use as ive not fallen behind in payments they closed it because of a review policy, i have only ever had 3 charges of £12 each on the account which i applied for on monday and got a letter yesterday saying all refunded plus 8% interest!!!!!
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
barclaycard account closed still charging
on it they say i am so i then asked to send it to a DCA
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