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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.

Kellyjo

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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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