Barclays Bank — Pre-Closing of EMI | |
I have Barclays credit card since 2007, i used the card on dec08 for Rs41000, later i converted to 36months EMI, Rs 1650 every month, but i found they charge Rs 65 as service charge everymonth which is not informed earlier, but i continue to pay EMI every month, since i got some money in the month oct08, i asked barclays to preclose the EMI. they are not ready to do the same. they are asking me to continue for 36 months or pay the EMI*36months with interest. i use to write so many mails but no reply, finally i wrote a mail to RBI. then i got the reply from barclays as " We will revert you back shortly". nothing was happend. Feb09 i got the mail saying "We (barclays) brake the rule for you and closed the EMI to satisfy your request". i was so happy to saw the mail. but when i opened the statement i got shock seeing Rs 39200/-(Principle Rs 26000 approx and interest Rs12000 and service tax Rs1000 approx) calculating the interest till Jan-2011. All the relavent documents are there with me, pls help me to slove the issue. Was this information helpful? | |
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Barclays — reference #45137310
When applying for the Barnes and Noble Credit Card aka Barclays, I was to receive a $25.00 gift certificate. I tried to use that credit and it would not go through on the purchase. Later, I was charged a membership fee for the card and tried to dispute the charge because there was no indication when I applied that there would be a membership fee charge. I have documented several attempts to resolve the issue from August 2008 to the present, March 2009. I was told in December 2008 by Cathy from the Support Department that no merchant disputes would be accepted. Neither a verbal or written dispute was accepted despite the countless representatives that confirmed that my account was closed with a zero balance to resolve the issue.I continued receiving bills and following up with the company about the issue every month until recently. I even paid $25.00 on line with the closed account number on the check to resolve the issue and it was sent back indicating that they could not identify the payment.
Unfortunately, I continue receiving bills for the membership fee and late fees for an account that has been closed several times and have recently submitted my closed account with a zero balance to Encore collections and are reporting a $56.00 balance.
I tried to re approach the issue again and again, in a calm and assertive manner, and the company refuses to discuss the issue or my concerns. I have an excellent credit record and am concerned about it ruining my credit record and feel that I might want to get legal advice because I think they are doing this to a lot of people and getting away with it.