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Barclaycard suspended for no apparent reason...what to do now?
My Platinum Barclaycard was due to expire in January this year; at the end of December I rang to ask when the card would be sent out and was told that it would be sent before the end of the month, not to worry, and would I like to buy an insurance to protect me when using it online.
In the third week of January, I got a letter from Barclaycard saying that my card was now suspended; I needed to pay off my balance and when my account was clear I was free to try apply again for another card - with no guarantee that I would get it. This came as something of a shock as I had have a Barclaycard for over 25 years, have never spent up to more than half of my credit limit at any time (including currently - what I owe is £3,500 below my credit limit!!!!!!) and have always paid more than the minimum amount without ever missing a monthly payment. WHAT??!!!!!
I rang the Indian call centre and got stonewalled by several phone operators and a supervisor - despite asking why my card had been suspended, no one could tell me. What they COULD tell me was that my card was definitely suspended and that was all. No explanation, no nothing. The supervisor eventually said something about my circumstances changing - huh?!! All I've done is drop 2 hours per week at work. I didn't notify Barclaycard, can't see that they would need to know this or how they would have found out. It was a long, pointless, exhausting and frustrating call that got me precisely nowhere.
I wrote a complaint letter, explaining the situation to Barclaycard (sending it to the person who'd signed the letter to me) and asking for clarification as to why this has happened. Six weeks later and still no response, despite me sending the letter again recorded delivery so I know they've got it.
I went into my local Barclays, who said, no problem, they'd sort it. They looked at my credit records, my dealings with them, told me I was a great customer, that they'd give me a £25,000 loan if I asked for it and had no idea why Barclaycard had suspended my account. All I keep hearing is that I'm a good customer and this must be a mistake. The personal adviser told me that I seem to have fulfilled my side of the contract, so Barclaycard have a responsibility to explain why they are not fulfilling theirs, which I have asked for to no avail.
I wrote and sent a copy of my complaint to the Financial Ombudsman about this two weeks ago, but have had no response yet. I've still had no response from Barclaycard and I'm just stumped as to what to do next apart from sit here and seethe with no credit card.
Anyone got any ideas of who else I can write to or who's cage to rattle to get some sort of response/resolution/explanation?
In the third week of January, I got a letter from Barclaycard saying that my card was now suspended; I needed to pay off my balance and when my account was clear I was free to try apply again for another card - with no guarantee that I would get it. This came as something of a shock as I had have a Barclaycard for over 25 years, have never spent up to more than half of my credit limit at any time (including currently - what I owe is £3,500 below my credit limit!!!!!!) and have always paid more than the minimum amount without ever missing a monthly payment. WHAT??!!!!!
I rang the Indian call centre and got stonewalled by several phone operators and a supervisor - despite asking why my card had been suspended, no one could tell me. What they COULD tell me was that my card was definitely suspended and that was all. No explanation, no nothing. The supervisor eventually said something about my circumstances changing - huh?!! All I've done is drop 2 hours per week at work. I didn't notify Barclaycard, can't see that they would need to know this or how they would have found out. It was a long, pointless, exhausting and frustrating call that got me precisely nowhere.
I wrote a complaint letter, explaining the situation to Barclaycard (sending it to the person who'd signed the letter to me) and asking for clarification as to why this has happened. Six weeks later and still no response, despite me sending the letter again recorded delivery so I know they've got it.
I went into my local Barclays, who said, no problem, they'd sort it. They looked at my credit records, my dealings with them, told me I was a great customer, that they'd give me a £25,000 loan if I asked for it and had no idea why Barclaycard had suspended my account. All I keep hearing is that I'm a good customer and this must be a mistake. The personal adviser told me that I seem to have fulfilled my side of the contract, so Barclaycard have a responsibility to explain why they are not fulfilling theirs, which I have asked for to no avail.
I wrote and sent a copy of my complaint to the Financial Ombudsman about this two weeks ago, but have had no response yet. I've still had no response from Barclaycard and I'm just stumped as to what to do next apart from sit here and seethe with no credit card.
Anyone got any ideas of who else I can write to or who's cage to rattle to get some sort of response/resolution/explanation?
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