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Barclaycard - accidental credit

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Hi guys,


Will try and keep it brief!


I paid off several credit cards a few months back,

sending cheques direct from a finance company after taking out a loan.


2of these were to Barclaycard,


I cancelled all my direct debits and forgot about them,

as far as I am concferned there paid off and closed, cards cut up, gone.....


Then I get a 'late payment fee' letter from Barclaycard regarding these 2 accounts

and I find out that they didnt pay off/clear these 2 accounts

they instead credited my Santander bank account.


..I did not realise this straight away as I had taken out a £12,000 loan

which was paid into my account the same week as I sent the cheques off

. (proof has been provided from the finance company to Barclaycard).


I had kept no tabs on my spending/bank account..


I realise the error, call them up and they are really sorry, etc, its totally their fault

...but of course these 2 debts need repaying minus a small bit of compensation, of course they do.

...BUT they will not freeze the interest and as they are both such old accounts 6 years +,

the interest is though the roof, both debts total around £1,200.


I say freeze the interest and offered them £20.00 per month

- this is all I can afford, as I am paying back a large amount to the loan company,

that allowed me to pay off the 6 credit cards to begin with!


Any advice would be great.


Had a letter back from the FO today,


they are looking into it but it will take 12 years but my credit file is taking a bashing

as both of these are showing up on Equifax as late payments.


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I hope that you mean 12 weeks - not 12 years!!


Are you saying that these 6 yr old accounts were paid into during the 6 years - in other words they are not statute barred?

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Hi Kellyjo,


Dealing just with the BC a/c's, were you paying off the full amount owed on each a/c.


Or had you agreed a settlement figure with BC.


Or are you hoping they'll accept what you have paid and write-off the balance.



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