Barclaycard closed account

[echat11]

I got absolutely nowhere with my email to Barclaycard.

I sent them a detailed chronology of how I was failed by Barclays when trying to make a payment at a cashpoint, with cash.

They’ve offered the following compensation:

£100.00 for the time spent on the phone to resolve your issues
£100.00 in respect of the conflicting information given
£100.00 in recognition of the poor service overall
The above is in addition to the £100.00 which has already awarded

And they've STILL closed the account. I cannot understand how they can say I was wrongly advised and not take responsibility for the consequences.

They’ve admitted my account was closed a few hours AFTER I tried to make a payment at the machine in branch where the card was retained. "Whilst we appreciate you were unable to make a payment at branch level to bring your account up to date and prevent account closure, we would not regard this as a valid reason for non-payment as there were other avenues available to you.” There clearly weren’t other ‘avenues' as I was trying to pay in cash.

They have (un)helpfully suggested I pay off the balance and reapply (completely ignoring the information in my email to them) and wondered why I didn’t make a transfer instead (because I had the payment in cash!) or I can arrange a payment plan with collections. Oh, and I should take my complaint to the utterly toothless Financial Ombudsman.

Talk about gaslighting.

I’ll go ahead with an SAR. Is it worth going the CCA route too?

a) Do the SAR request.

b) Go through the Barclaycard T's and C's (closing the account is a decision), but what they are saying, the reasons should be in their T's and C's which allows them to do that.

c) Write to Barclaycard quoting the FCA's BCOBS, that banks must 'treat you fairly',

https://www.handbook.fca.org.uk/hand...t%20misleading.

d) CCA won't help.

[Alacoque]

I got absolutely nowhere with my email to Barclaycard.

I sent them a detailed chronology of how I was failed by Barclays when trying to make a payment at a cashpoint, with cash.

They’ve offered the following compensation:

£100.00 for the time spent on the phone to resolve your issues
£100.00 in respect of the conflicting information given
£100.00 in recognition of the poor service overall
The above is in addition to the £100.00 which has already awarded

And they've STILL closed the account. I cannot understand how they can say I was wrongly advised and not take responsibility for the consequences.

They’ve admitted my account was closed a few hours AFTER I tried to make a payment at the machine in branch where the card was retained. "Whilst we appreciate you were unable to make a payment at branch level to bring your account up to date and prevent account closure, we would not regard this as a valid reason for non-payment as there were other avenues available to you.” There clearly weren’t other ‘avenues' as I was trying to pay in cash.

They have (un)helpfully suggested I pay off the balance and reapply (completely ignoring the information in my email to them) and wondered why I didn’t make a transfer instead (because I had the payment in cash!) or I can arrange a payment plan with collections. Oh, and I should take my complaint to the utterly toothless Financial Ombudsman.

Talk about gaslighting.

I’ll go ahead with an SAR. Is it worth going the CCA route too?

[Alacoque]

Aha! Thanks so much!!

[echat11]

Mr. C. S. Venkatakrishnan
Group Chief Executive
cs.venkatakrishnan@barclays.com

[Alacoque]

RE:
Adam Lishman

Managing Director.

Email it to Adam.Lishman@Barclays.com


Hi, my emails to him are bouncing back, saying 'invalid recipient'. I've tried varying the email format (e.g., '.net' and 'co.uk') but no luck. I've done some googling and can't tell whether he's still at Barclays or not. Any intel on this gratefully received....thanks!

[echat11]

And one more twist.....a replacement Barclaycard arrived today. Barclays is a shambles.

Something else to include in your complaint. Have you got Barclaycard account?, yes or no, you can't tell from their actions.

[Alacoque]

And one more twist.....a replacement Barclaycard arrived today. Barclays is a shambles.

[Alacoque]

ECHAT11, massive thanks for the advice and the info. And for motivation!

[echat11]

a) Send Barclaycard a Subject Access Request, they will send you all the details on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

b) Write a Formal Complaint to the CEO of Barclaycard.

Explain whats happened, why it's 'unfair', the impact on you and what you want them to do about it.

Adam Lishman

Managing Director.

Email it to Adam.Lishman@Barclays.com

Reassess once you get a response from them.