Card No. 4339 4819 3316 9696 barclays
I’m the customer of Barclays in India (Since aprox one year), I m using this card for my regular uses, Dont ever believe on the customer care people misguide you and never tell you the truth behind so-called customer care service.
I am briefing you the whole story given below.
I got my statement dated 19-09-2008, the due date is 09-10-2008 Total outstanding is Rs. 968.82. I had droped a cheque for Rs. 500.00 on 01-10-2008 before the due date. I had received a SMS after the due date 09-10-2008 that they have not received the payments. I had talked to customer care of barclays he told me that i pay the minimum amount and if any late payment shows in the next statement then it will be reversed. They have given a complaint no. CAS-245399. I had paid again Rs. 500.00 on same date. Now when i received statement dated 18-10-2008 i have found that they have received both of the cheque on 17-10-2008 and 18-10-2008 where as they received the cheque before the given date. The total amount was due 968.82 of statement dated 19-09-2008 where as i paid 1000.00 ie, i had paid Rs. 31.18 extra according to me.
Again i had purchase of Rs, . 1025.55 and Rs. 127.5. Now the total Due amount is 1121.87 where as i had paid 1122.00.
Again i had received a statement dated 19-11-2008 i had purchased of Rs. 5400.00. I talked to customer care and mail to barclays and clearly told them that i am poaying minimum amount rs. 310.00 if you will reverse the late payment and it's interest then i will pay the balance amount.
But they are not responding of my mail. I had mailed so many times every time they were writing we will revert back to you within the 7 days.
Now the Statement dated 18-12-2008 i had calculated the amount. I had paid 5090.00 and 303.00. I had left the latepyament rs. 500.00 + it's interest . I have paid also the interest of the rs. 500+it's interest Aprox 25.00.
Now you will tell me how can i pay the late payment and its interest. Where as i have paid the interest of the Rs. 5400.00 + interest of the interest. I had dropped the cheque before the due date then why i will pay the late payment. This is not my fault. I think they are not collecting the cheque from the skypack drop box properly. will you tell me am i mad. i know that if i will not pay the minimum amount then late payment is eligible. But i had paid the more than the minimum amount before the due date then y i will pay the late payment.
I am total tense about it. If i ma fraud then y i will pay the balance amount. I know only that if i have purchased some thing by the card then it should be paid by me. They are harrasing me through the call because i have written that i will not pay the balance amount ie late payment or interest.
Please help me i am suffering from the tension and may be i will be caought by the depression.
Please help me Please.
I required your suggestions and guideline to avoid the further complications
Chandra Mohan Mishra