Hi Barclaycard, my question relates to a point before I needed the IVA, I was managing fine in fact my balance on my Barclaycard was reducing, I left my limit where it was as it was a handy nest egg if I had an emergency, but my limit was reduced to what my balance was and I was informed after the event, I had made every payment on time above the minimum, often double what was asked, so why was I perceived as a potential bad debt? When I rang and queried this the operator was at a loss as why my limit was reduced, she stated she would make a note for the next 3 month review not to adjust my limit, 3 months later the same thing happened again and it was reduced again. At that point I lost faith in anything Barclaycard told me.
SO again I repeat my question what was I doing that was perceived as a potential bad risk?
We only got into difficulties 6 months after this when my husband was made redundant.
If life is what you make it, I must have been in a strange mood when I made mine
There are far too many call centres who issue out 0870 / 0845 / 0844 telephone numbers to call. If you have a mobile, often these numbers get charged and don't come out of your free minutes like mobile, 01, 02 and 03 numbers do.
Even 0800 is chargable on a mobile these days.
Why these companies cannot supply these standard numbers is beyond me. I'm not just having a go at Barclaycard here, it is a host of companies that operate call centres.
A great site to use to find a standard rate number, though companies often change them after a while can be found by googling "Say no to 0870"
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Perhaps Barclaycard - ought to look at its own Webpage about its own phone charges.
"0844 556#8260;581#8260;811#8260;848 – For BT residential customers, calls will cost no more than 8.5p per minute, plus 11.5p call set-up (current at March 2011). The price on non-BT phone lines may be different. Please check the BT price list for charges for other 0844 numbers as charges vary depending on the 3 digits following 0844."
It's not as though these numbers are stand alone, they have to be ported to a landline phone number. They could just give out the standard landline number but they don't cause they earn a good revenue from the calls into these numbers.
Sky are renounded for putting people on hold, whilst you are charged waiting to speak to someone.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
Plus it's all very well saying you can call free from any branch of Barclays but how many people struggling in debt would want to discuss their sensitive financial predicament in front of the general public in branch?
During the period prior to getting my IVA set up Mercers (AKA Barclaycard) were the most difficult creditors to deal with. They refused to answer anything submitted to them in writing, would continually ring me up to 12 times a day. The staff were oblivious to the actual facts of my case and were only interested in if I could make a payment today "by debit or CREDIT card"!!!!. Way to go Barclays put the debt on someone else's credit card.
Good to see your head above the parapet, but don't act surprised if you get shot.
[:0]
In contrast RBS were helpful and courteous.
Same here skint, but the representative does seem to have disappeared from the radar since March!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Lol Judo, they didn't really appear to give any constructive advice or assistance anyway, just the usual standard corporate replies to every question asked.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Apologies if this is duplicated elsewhere but do "the iva web team" review or have any processes in place to get feedback from Barclaycard customers; specifically, those exploring or been through debt management solutions?
