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Hello Guys,
I would like to make a complaint to FOS regarding my Barclaycard but not quite sure where to start.
Its going to be a hit or miss (as to speak) complaint.
I made a complaint to Barclaycard going back November 2012 and the complaint Was Not upheld and I did not challenge it.
The reason for refusal was it was a post application ect.... and I know it wasn't but times passes by and thought it was too late.
Today I spoke to Barclaycard because I was in red and they kept charging me when I asked about my ppi insurance which at the time I asked not to be cancelled until I know further about the complaint, I was told it was cancelled anyway. To top things I have always received a statement and been making minimum payments obviously missing a few here and there but because of the interest I have always gone way over my credit limit and paid lump sums but a year later end up in the same situation. I was told that my account closed in October 2008, I had no knowledge of that, even though they are saying they must of contacted me, why have I been paying ppi and all the extra charges, late payment fees, interest ect....if there is not account!...Obviously the Barclaycard have not worked in my best interest as their customer. My monthly statements are normal as my other credit card statements so how would I have known the account was closed. I thought once the account is closed they write to you but u through a debit collecting agency and freeze the interest. I have been making calls in the last 6 years and no one advised me or pointed out to use my insurance or that I no longer have an account.
I spoke to Barclaycard ppi department and the advised me to try Fos even though its passed the 6 months time scale.
Sooo anyone know where to start, who to write to???/
Thanks for reading if your still awake:tinysmile_hmm_t2:
I would like to make a complaint to FOS regarding my Barclaycard but not quite sure where to start.
Its going to be a hit or miss (as to speak) complaint.
I made a complaint to Barclaycard going back November 2012 and the complaint Was Not upheld and I did not challenge it.
The reason for refusal was it was a post application ect.... and I know it wasn't but times passes by and thought it was too late.
Today I spoke to Barclaycard because I was in red and they kept charging me when I asked about my ppi insurance which at the time I asked not to be cancelled until I know further about the complaint, I was told it was cancelled anyway. To top things I have always received a statement and been making minimum payments obviously missing a few here and there but because of the interest I have always gone way over my credit limit and paid lump sums but a year later end up in the same situation. I was told that my account closed in October 2008, I had no knowledge of that, even though they are saying they must of contacted me, why have I been paying ppi and all the extra charges, late payment fees, interest ect....if there is not account!...Obviously the Barclaycard have not worked in my best interest as their customer. My monthly statements are normal as my other credit card statements so how would I have known the account was closed. I thought once the account is closed they write to you but u through a debit collecting agency and freeze the interest. I have been making calls in the last 6 years and no one advised me or pointed out to use my insurance or that I no longer have an account.
I spoke to Barclaycard ppi department and the advised me to try Fos even though its passed the 6 months time scale.
Sooo anyone know where to start, who to write to???/
Thanks for reading if your still awake:tinysmile_hmm_t2:
I just wish someone had pointed out that I have ppi on my card they knew I was struggling!
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