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Barclays Partner Finance

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I got a loan to purchase a guitar a year ago in November.

The loan was for 12 months interest free but if you went over the 12 months you had to pay all the interest which was also at a woooping 29%


Right, so when I got this I talked to one of their agents and set up an Standing Order to pay every month for 12 months... but it took a few days to get the paper work so I set it for the 28th of the month which was already December.

Now, getting to November 16th this year they say I haven't paid the full amount on time and that I'm going to have to pay £124 for 2.5 years to pay the whole interest and that if I want to settle the account I have to pay £1700 pounds.


Also, they said on the phone that the last payment they took from my Standing Order was on the first of October and when I checked my bank statement there had been 2 more payments to the same Barclays Partner Finance that I had set up and ended this month.

They said I had been sent letters to warn me but the only letter I had was already after the 12 moths had expired, which was on the 16th November.

It's also very convenient that when I'm £250 short they are going to get £1700 off me for being a month late...


I would appreciate any advice on options here.



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Hi Farhquad and welcome to CAG


I think you firstly need to check on all the exact dates, to see what went wrong and why.


It was your responsibility to ensure that you paid off the loan fully within the 12 months to take advantage of the interest free offer.


If the loan was NOT paid off by the 12 month anniversary, I'm not sure you have a valid argument unless you can show that somehow BPF were at fault.

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