I am unemployed, disable and distute due to a serious illness. I was on a financial hardship program with Juniper/Barclays for a year and was promised that I could renew it in 2010. I called a month before the expiration, because I could not afford to lose that program. The rep told me to call back in Feb, she could not help me. So I called for help again a few weeks later. I explained my situation again, asking for the renewal, which I unfortunately did not get in writing. The man from Juniper coldly told me that there was no renewal and had no clue what I was talking about. I asked him for other repayment options and said I had to pay 3 times more during the month, to keep my account up to date.
I had already closed the account in December of 2009, since I was having so many problems with their electronic system and unfair late fees! Suddenly I am told the hardship program was no longer available to me. He tried to end the call and said: Oh, I will let you know if we have any other options available via mail. I am still waiting for that letter over 1 1/2 years later. I spoke to several people and got no help whatsoever from Juniper. They totally ignored my letters and unfairly sent me over to collections. I spoke to a nasty woman who threatened me with a civil suit, which is totally uncalled for. I asked for the reinstatement of the payment plan and was coldly informed that was no longer an option. I tried to pay them back, and now they have filed a civil suit against me. To say I am upset is an understatement. I live with chronic pain and now I cannot sleep due to their cold-hearted treatment with an honest person! They slapped over $800 of late fees on top of the amount I actually owed. Avoid this credit card company like the plague and read all the complaints available on the internet. You have been warned...Hope you never have to face this problem...