Barclays Bank
Harrasment by bank

Dear Sir

My name is RAJESH RANJAN and my Barclays Bank credit card no. is 4339484278529763. On August Bank had offered me Rs. 20, 000 loan against credit card for two years at Rs 902 EMI. I agreed and after getting bank draft I had been offered to convert this EMI into ECS. Getting my nod next day bank executive came to me and filled the form. I signed on paper whereever he marked. My ECS been deducted every month regularly. This was never bounced. After three months I was informed to pay Rs 3602.19 immediately. I was shocked and contacted call centre but bank executive disappointed me asking to pay the ammount. He told that my EMI is Rs 1028 and not Rs 902. So to avoid any embarrasing sitution I continued to pay cash amount every month except ECS since then every executive assured me to solve the problem and revert the late fine chrages but noone fulfill his promise. I told them to cancel previous ECS and fill new ECS of Rs 1028 if this type of problem occured. But I think they targeted the customers as golden eggs because whenever I asked them for settlement and I want to pay the total loan ammount at one time they never showed interest in it because I was not agreed to pay late fine charge. Without my default they charges me extra amount every month and tortoured me to pay minimum due. I dont understand how it is possible that still I had to pay total outstanding Rs.19889.87. I had already written them ''I am not responsible for any default and any mistake and I will never pay late fine charges ''. So why I have to pay late payment fee. I paid 14 EMI and except that I paid 10 times cash and cheque. If my calculation is right I paid more than Rs 20k. If I am wrong why dont they send me statement of balance and amount paid by me. They only sent me outstatement balance and in each statement they added the late payment charges which is not justifiable. Furthermore, last month (Dec.2009) too I paid cash payment Rs 1121 their executive on 17 dec. But I will never pay in future if their response not satisfy me. Plz solve my problem to avoid my anguish. The bank everyday calls me 10 to 15 times and reiterates to pay the ammount.

Regards

RAJESH RANJAN

130-D kanchanjungha Apartments

Sector- 53 NOIDA

201307

Company: Barclays Bank
Country: India

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