Nice to see you Barclaycard, hope you will be able to allay peoples fears.
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
Barclaycard eh?. a creditor on a debtor`s forum[:0]
My initial feeling is one of suspicion, especially after looking at some of the early responses of `please email us with your details as we don`t give specific info out`
Barclaycard are one of my creditors. I fully accept blame for my indebtedness to them and all my creditors and I accept that they have a right to pursue payment of accounts.
During the process of my IVA proposal I found them to be incredibly agressive in their `chasing` of me, even after I notified them in writing and via phone of my predicament and procedure. I sometimes had up to 5 phone calls a day from Barclaycard, then upto 8 a day when they passed my account onto Mercers.
Whilst I could `accept` this harrasment to a degree, what I found extremely distressing was continued `chasing and harrasment` AFTER my IVA was agreed, ...I had to involve my IP and personally phone barclaycard and threaten them with the Police after one particular day of 17 (yes 17) phone calls from their so called collection agents and some particularly fruity `exchanges`.
Barclaycard, why do you up people`s interest rates when you realise they are struggling?
Barclaycard, what are you hoping to acheive by posting or should I say `phishing` on this forum?
Last edited by Goosed on Sun Mar 13, 2011 2:59 am, edited 1 time in total.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
Hi
Barclaycard have come on here to try and answer some questions and help clients directly with queries.
I have already checked that they are genuine prior to them posting as a creditor expert and are certainly not 'phishing', so there is no need to worry about that.
Intersting question as to why rates are increased when the debtor has indicated that they are struggling.
Let's hope one or two more creditors will come onto the forum, I know that some regularly read and monitor the forum.
Regards
It certainly would be good if they could come on here Andy, I'm sure we'd all welcome their input.
Bear in mind Goosed that the person posting from Barclaycard will have nothing to do with the call centres but hopefully will take on board all of our comments about them to see what can be done about the aggressive nature of the calls.
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
I agree that having creditors on the forum may help in the long run as they will be able to experience what life for people in debt is about and how they are handled by creditors chasing for their money back - if the only thing they learn is to go back and look at their communication strategy and how they talk to customers then it will have been worthwhile !
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
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
i too think it is a good idea that they post. as well as being able to read what we are going through, they may in the future lend a bit more responsibly! an example being not to increase credit card limits etc
There has been a clampdown on increasing limits now - I believe they have to credit check you before offering you a new limit.
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
Barclaycard would be more helpful if they answered questions rather than giving sanitised, PR-friendly policy statements. There's no point telling us collection agents acting on behalf of Barclays will be helpful when posters are telling them from first-hand experience that they are not helpful and in fact are one of the worst. And that Barclaycard themselves put profit before people in order to win back business and then charge excessive interest when that same business went bad - those questions aren't being answered. It is a great idea to have a creditor on here - but we need honesty and openness for a meaningful dialogue rather than PR spin.
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
Sorry Andy! I am pleased Barclaycard have joined the forum and think they can add a lot of value. Having worked in PR for a bank, I am also aware that their posts are probably screened and signed off by two or three people making it hard to break awY from the three line whip.
Hopefully, BOL, they will loosen up a bit when they have a feel for us and the forum. To be fair, they are probably nmore used to environments where debtors are trying to AVOID payments, not doing their best to make the best payments they can in the circumstances.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hi
At least there is a communication line via email for anyone with a specific problem. Must be better than a call to the call centre
Time will tell
Regards
