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Barclays Partner Finance mischarged me...they accept it


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Hi

I got a car on finance(biggest mistake ever) from barclays partner finance. It is a 5 year contract. Monthly payments were £485.

 

in July 2015 I lost my job.

faced severe financial difficulty.

I spoke to the adviser and paid £150.

 

I missed the August payment.

in September i got a job.

 

I rang the adviser on 21st September and made £485(Augusts) payment.

I then agreed a repayment plan with the advisor to cover the outstanding £335 payment that i didnt pay in August.

i agree to pay overall £518 payment for 9 months to bring the account upto date.

 

today I rang to make my Decembers payment only to find out my account was in £700 arrears.

I asked why, they advisor said i didnt make Septembers payment.

 

But i told the advisor that the advisor i agreed the repayment plan on the 28th of every month.

The advisor said my plan starts from 28thOctober.

at that time i repeatedly asked the advisor that if i have to make a payment on 28th of September or not. She said no.

 

The advisor accepted that mistake today.

She was offering me £100 as a gesture of goodwill.

 

I refused as because of that blunder i was left in debt.

She lodged a complaint for me in order to get it written off.

 

I have medical condition and due to unwanted stress i get severe left hand pain.

I told this to the advisor too.

 

She said she will put my account on hold and i will get no calls etc.

 

My point is

what can i do as it has severely affected my health because of that blunder by the advisor.

The advisor today accepted the mistake.

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Well for a start you need to confirm the conversation, in writing, and by way of a formal complaint to their Head / Registered office. You could point out that the stress has seriously affected your health at the same time.

 

You MUST put this in writing, because so many telephone conversations are not recorded or simply go astray - start keeping a paper trail, now.

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Okay I have a great idea... They have screwed up and know so... Time to push it to the exec team.

 

 

Draft a letter put it up here and ill advise. CitB is right but I think in this scenario itll have more of an effect if it goes high up the chain.

Expect a response within 3 - 5 days and resolution within another week.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Well for a start you need to confirm the conversation, in writing, and by way of a formal complaint to their Head / Registered office. You could point out that the stress has seriously affected your health at the same time.

 

You MUST put this in writing, because so many telephone conversations are not recorded or simply go astray - start keeping a paper trail, now.

 

I have.

But the advisor today fully accepted the mistake.

She said she can clearly see on the account that the advisor made a mistake when she told me that my next payment is in October when it shouldve been 28th September.

She said the complaints department will listen to the call made in September.

 

 

I am glad they will as they will repeatedly hear me asking "is my payment not on the 28th September " to which she said no.

 

The advisor already lodged the complaint and said the department will be in touch with me in 48 hours.

She also said its a big blunder and a training problem too.

She wanted to give me £100 as a goodwill gesture to rectify this mistake but i refused and went ahead with the complain.

But it really has given me alot of stress.

 

I have everything recorded on a paper.

 

Letter:

Account details:

 

Dear Mr....

My name is (name).

I took a car out on finance with Barclays Partner Finance on 1st November 2014.

The monthly installments agreed were £485/ month for 5 years.

 

 

However I lost my job in July 2015.

I immediately rang the customer advisor to discuss my financial situation.

I made a £150 payment that month.

I was in constant contact wth BPF.

 

 

In late August I found a job.

I rang the collections team on the 21st September 2015.

That time on 21st September 2015 I made £485 payment to pay off my August's payment.

Moreover, I agreed a repayment plan with the advisor for £518 inorder to cover my remaining balance

and to bring my account upto date.

 

 

During that phone conversation the advisor agreed a repayment plan of £518 for 9 months, 28th of every month.

The advisor told me my first payment would be on 28th October.

However I queried with the advisor if I have to make my September's payment on the 28th to which she said no.

I received my wage late in December.

 

 

today I rang the advisor(name) to make my December's payment.

Plus she told me that my account was in £722 arrears.

 

 

I was shocked and it immediately detoriated my health. As I have a medical condition.

The advisor told me the advisor whom i spoke to in September misguided me and made a mistake.

The mistake was that she didn't tell me I had to make a payment on 28th of September.

 

 

she should've told me my payment plan would start on 28th September.

As mentioned above during that call I repeatedly asked the advisor on 21st September

that when is my next payment to which she said 28th of October.

This created this huge balance for me.

 

 

The advisor offered me a goodwill gesture of £100 to rectify this mistake.

But I refused as this unwanted stress has worsened my health.

I get sharp left arm/chest pain due to stress.

 

My question is,

This simply is BFP's mistake that has caused all this stress for me.

How can you rectify this blunder that has caused my health to deteriate?

This might have severe consequences on my health.

I mentioned this to the advisor

 

Kind Regards,

Name.

 

Please let me know if any changes or additions are required?

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Dear Mr....

My name is (name). I took a car out on finance with Barclays Partner Finance on 1st November 2014. The monthly installments agreed were £485/ month for 5 years. However I lost my job in July 2015. I immediately rang the customer advisor to discuss my financial situation. I made a £150 payment that month. I was in constant contact wth BPF. In late August I found a job. I rang the collections team on the 21st September 2015. That time on 21st September 2015 I made £485 payment to pay off my August's payment. Moreover, I agreed a repayment plan with the advisor for £518 in order to cover my remaining balance and to bring my account upto date. During that phone conversation the advisor agreed a repayment planicon of £518 for 9 months, 28th of every month. The advisor told me my first payment would be on 28th October. However I queried with the advisor if I have to make my September's payment on the 28th to which she said no.

 

I received my wage late in December. So today I rang the advisor(name) to make my December's payment. Plus she told me that my account was in £722 arrears. I was shocked and it immediately deteriorated my health. As I have a medical condition. The advisor told me the advisor whom i spoke to in September misguided me and made a mistake. The mistake was that she didn't tell me I had to make a payment on 28th of September. So basically she should've told me my payment plan would start on 28th September. As mentioned above during that call I repeatedly asked the advisor on 21st September that when is my next payment to which she said 28th of October. This created this huge balance for me. The advisor offered me a goodwill gesture of £100 to rectify this mistake. But I refused as this unwanted stress has worsened my health. I get sharp left arm/chest pain due to stress. I find that all this hasnt helped me at all and I find it unfair that Barclays misled me in this way.

 

Whether it was training gaps or otherwise doesnt matter, I shouldnt be left out of pocket due to this issue and as you aware, being unemployed hardly helps the matter.

 

So In summary;

 

- Why was I misled about the payment arrangement?

- Why was my account allowed to accrue these arrears without informing me?

- Why if you knew that I was unemployed was the advisor not more fairer with the payment plan.

 

I would expect BPF to clear the arrears for the error caused by their advisor and I feel extremely sad that this has had to be raised to an exec level, however I feel the severity is necessary as I dont feel confident in BPF anymore due to their misguidance.

 

You may contact me on the below details

 

- Loan Ref

- Contact Number

- Email Addy

 

Kind Regards,

Name.

 

There you go... Comes from writing many a complaint. Itll do you brilliantly i feel.

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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Hi Dan,

 

Good advice so far.

 

Keep us informed but let us know if you've not had a reply within 7 days.

 

:-)

We could do with some help from you

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Hi Dan,

 

Good advice so far.

 

Keep us informed but let us know if you've not had a reply within 7 days.

 

:-)

 

Should respond relatively quickly. Keep us posted.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Dear Mr(name)

 

I write with reference to your email below.

 

We’re sorry that you have reason to complain. Our Director, Mr Mike Britton, will respond to you in writing once he has completed his investigation into this matter.

 

Meanwhile, if you have any additional information or questions please contact me directly on 02920 933433.

 

Yours Sincerely

Kathryn Borge

Customer Relations Executive

 

 

Whats my next step?

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Now you wait :) ...Thats all you have to do :)

 

Let them do the investigating :) They have upto 8 weeks, they will sort it quicker than that.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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