Credit Card Loan Cheated By Barclay's Credit Card
Sir/Madam
I have taken a loan amount of Rs.73, 400 – Seventy Three Thousand Four Hundred Only through Barclay Credit Card. Where the executive promised me the interest rate of 12 % (Flat Rate) so I have agreed the loan amount but after I have received the letter from Barclay Credit Card I have noticed that Flat rate of interest per annum they have mentioned 17 % which made me very upset and I immediately called them and enquired about that but they gave me very simple answer “SORRY”. Why they are not thinking the word “Sorry costing me 5 % extra interest rate every year”. On the other hand I was requesting them at least to pre-close my loan amount immediately they said okay and they asked me to wait for 7 working days. I have arranged some money from other bank and my friends circle to pre-close this Barclay Credit Card loan immediately but I have not received any call from Barclay’s Bank so I have called them again to get the status they said your request is still in process and your credit card bill statement has been generated for that month so they asked me to pay my first month EMI amount and within few days you will get a call from our bank and they will give the complete details of your outstanding I have agreed that and paid my EMI amount. They asked me not to pay the entire amount without approval from the bank that’s why I was waiting to get the approval. Believe me after that every week I used to call him to get the approval but not even one time they give me the proper detail I was waiting, waiting very long time days were running my statement getting generated every month and I was paying my EMI amount without fail. At last one day I called them and explained everything very clearly and I requested them to record my call also and I asked them the outstanding amount they have told me something around Rs.72, 000 . Immediately I have paid the entire amount without any due. But now they have started playing with me I have received my statement which is stating that I need to pay Rs.12, 000 I really surprised and shocked now how they are charging this amount when I have checked with them they said you are approved for Barclays Priority customer so one time charge is Rs.5, 000 and you have crossed your credit limit so you have to pay the balance amount of Rs.12, 000 immediately.
Here I request you to check this matter very seriously because they are charging me Rs.5, 000 and other amount without my permission (It is really frustrating me that they have deducted money from credit card without my concern) I am really affected very badly due to this issue. Is this my fault? I was ready to pay the entire amount but they were not ready to provide me the details and made me deceive. You will not believe I used to call them every week to get the approval. I kept my word I have paid the entire amount but they are not keeping the promise start from the beginning. So I request you to please help me to get out of this issue.
Name: Santhosh Natarajan
Mobile : 98415 14613
Email: [email protected]
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