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Old 29-10-2007, 22:40   #1
Zirax
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Join Date: Jul 2006
Posts: 4,577
Default Barclaycard and dodgy tricks

Now Barclaycard have been sneaky in the past, but I am seriously considering switching banks over this.

As you all know I brought my house in June, and the mortgage payments started in July. Take a look at these payment dates for Barclaycard (mortgage is coming out of my Barclays account).
all dates pre July 07 - between 13th to 15th of the month
July 07 - 9th
August 07 - 6th
September 07 - 3rd
October 07 - 3rd
October 07 - 30th

What they have done is move november's payment into October, so yep there will be another payment in November around 25-30th. So in the space of a few months, my payment date has moved back 15 days. Coincidence? I think not. I checked with Barclays as two payments in a month is just stupid, their reply "that's when the computer did it"

erm, no in banking everything happens for a reason, this being that they are trying to deliberately put me in difficulties thereby stinging for late payment / interest. Now I manage my money well enough that this little tactic of theirs will have no impact, however you can clearly see what they are upto.

Just check your payment dates if you are with Barclays as this really stinks. I'll go back to Natwest as its really not on. At least they could stick to a payment date of the 9th month in, month out.
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edit: Just remembered something else. I tried to pay with my debit card while I was on the phone to them, it declined. A few mins later I get a call from the fraud department.
"Mr Zirax, your visa card number X was used in an attempted payment for Visa credit card number X, under the name of Zirax"
"Yes, that was me"
"So you are saying that the card in the name of Zirax, was correctly used to pay off credit card in the name of Zirax"
"Well the two accounts are directly linked, aren't they"
"Well no they aren't"
"Check your computer screen, think about what you just said to me"
"You used your debit card, to pay off your credit card?"
"Yep, just like I do every month"

*sigh*

Last edited by Zirax; 29-10-2007 at 22:46.
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