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Urgent help with an old Egg visa card account now with Barclays Bank:(!

ikle pickle

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Hi guys, I am at my wits end with Barclays Bank!!:(. Their consumer complaints service is beyond words to the point were I honestly have no idea what else to do:(


In June 2008 I took out a visa card with egg. The total amount I was eligible to use on the card was an amount of £200.00 . Having set up a direct debit and spent the £200 available on the card, I never used it again from 2009 until now still not used!


From July 2009 egg took direct debit payments from my account, the first payment being £25.00 and then £15.00 every month and £20.00 a month in 2011. Having not used the card since 2009 and paying regular monthly payments in the belief that it must have been paid by now I tried to access my egg account as had never Relieved statements or letters relating to the account. Unfortunately due to never really using the online account service not for the want of trying I was unable to access my account details:( having used an online calculater to try and work out how much I would have paid in the realisation that I had by the looks paid above and beyond the amount borrowed at the interest rate of 16% I tried to telephone egg.


Sadly all my attempts failed as I was unable to answer the identification question being questions relating to the last date I used my card amount spent and were:( having not used the card for over a year at this point I had no idea and hence was refused to be spoken with:(


Frustrated I canceled all direct debits hoping that should I still owe any amounts egg would soon contact me. However I never herd a think until a few months ago when I recieved a letter from barclays telling me about my account being now with their firm and my account balance being £325.00!!!! I was like what? My credit limit no longer was £200 it had been increased without my knowledge. Disputing the amount stated as owed I have raised several complaints with barclays and Received everything other than what requested being the bank statements proving the balances owed and interest paid etc.


All I Recieved was a statement with barclays charges and the balance now being £350 no details of amounts spent payments made interest charged etc. I tried to telephone them asking them to prove that this amount stated owed was correct. Barclays said we will require you to serve us with a subject data request and pay a ten pound fee! I responded by stating that I believed the amount stated owed was incorrect and to my knowledge all payments paid off! That if they are to continue to persu me for this amount then they need to prove that this debt is owed!


The next minute I am getting letters from a firm called mercer . I complained again to barclays and sent them a letter under the data protection act stating that they could not give my info to any third party without my consent including credit reference agencies and this was to remain so until the dispute was resolved. I even served them with a request under the consumer credit act section 77 asking for statements of account etc


I Recieved a copy of an egg agreement for 08 a barclays contract and a statement of account consisting of two lines. The amount of credit available and the amount owed!!! They also advised me that they have complied with my request under the act quoting loads of legal jargon at me and then telling me they could give my data to third parties or sell my account etc


I honestly may as well talk to that wall and the legal speak they come out with is unreal!! I need help guys as do not no were to go from here:( surely they have to provide me with statements proving the amount stated as owed to be correct? The thing is no matter whether I use terms from the act etc they do the bate minimum and use legal jargon to say why they don't have to help!! Pleaseeeee x

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Send a Subject Access Request - it will cost you £10.00 and you should receive all your statements and all other data in respect of your financial history.


I think you will need to send it to Barclayshark.


They have 40 calendar days to comply with the request and there is a draft letter in the CAG library :)

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2: Does your Bank play fair - You can force your Bank to play Fair with you

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



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