I had requested for a balance transfer of 37K in March 21st. They said it would take 15 working days to approve it. My other credit cards due date was 12th of April. Obviously, I wanted to get the balance transfer cheque by at least 9 th of April. However, Barclay bank did not send me the cheque on time. So I inquired with them and they told me that it was approved on April 4th but it took 4 or 5 more working days to send me the cheque. (They actually wanted add the balance transfer amount to my April months statement thats why they did that). The address to which they send me the cheque was really funny! Sudheer Kumar, Brigade rd, Bangalore. I did not know that I was that famous. I had clearly given my office address.
It is obvious that the courier guys returned it back saying address incomplete. Already my due date for the other bank was over and I paid the minimum amount due to them not for charging me late payment fees.
Then I requested them to send the cheque again to me before the next months statement date so that I can still do the balance transfer even though I have to pay some amount as interest. For that the tele-banking guy/girl told me it will take 7 to 8 more working days. I waited again. Later just before 1 week to my next months due date I requested them to cancel the balance transfer since I did not get it on time.
Meanwhile, I got their statement on the correct office address in which I had to pay 1900 rs as my min amount for the balance transfer amount of 37K. Even though I did not get the money from Barclay, I put a cheque for the amount on 24th of April expecting the amount in next week. My due date was 2nd of May.
My marriage was on May 3rd and since I will be outstation from 29 of April till 8th of May I put the cheque dated 1st of May on 24th of April. Then starts the second round of cheating. They did not go for the collection on 1st of May instead they went for collection on 7th of May just to charge me late payment fee. Remember, I don't owe a single Rupee to them!
I had requested for the cancellation of balance transfer on April 28th. The tele-officer told me it will take 7 working days to cancel it. I thought in next month's statement they would revert it back! On 21st I got a text message (SMS) statement of May has been processed and dispatched to my address in which I have to pay them 1800 Rs as minimum. I called them up again and asked status of the cancellation (21st of May). That person told me it is still under processing (after 18 working days since my cancellation request!) and it would take 4 to 5 more days.
Now I got the statement online and it said I have to pay 300 amount as late payment charge for their mistake. I called them up again today (May 27th). The lady told me it would take 4 to 5 more working days. And, she cannot revert the late payment charges. I told her that I had put the chaque on the skypack on 24 th of April, but what she is telling me that they got it on 5th of May! I was out of station at that time how can I put the cheque on that day?!
Now, the conclusion is, I have to pay them the entire balance transfer amount even though it has been canceled, plus the late payment fee.
So my friends, please do not go for Barclay bank cards! They are the worst bank I ever experienced. No responsibility, no business ethics, cheaters, lairs, behave like govt employees, delay in everything. If you have a Barclay card please cancel it immediately, you may be their next pray.
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