Barclays Credit Card
Harrashment by Barclays Credit Card

Dear Sir/Madam,

I would like to bring to your notice about the Barclay Credit Card cheating business.

I am a card holder of the above stated bank from last 11 months and regularly clearing

there dues without any fail.

As per last statement I received i have a credit limit of INR 86000.00 and Available

credit limit of INR 46259.23. As of now Total outstanding amount is INR 39540

(approx).

Yesterday I got a call from Collection dept. that I have exceeded my credit limit by INR

1500.00 and they forcefully insisted over the phone to deposit the extra amount

immediately which was eventually wrong as per credit limit mentioned in the

statement.

While I discussed with customer care officer they said my credit limit has been

reduced to INR 38000.00 without any prior notice.

While trying to find out the reason they simply denied and said its a bank decession

and bank can change credit limit at any point of time.

Moreover though I paid the dues on regular basis (I have bank statement for this), they

said they have received money only on last March.

Now my questions:

1. If bank can change my credit limit without any information though they have full

rights . how i can come to know that my limit has been reduced. is this my duty to call

them and find out?

2.I have spent my expenditure as per my limit but if tomorrow they reduce the limit

then each and every time i have to pay the outstanding amount to my bank?

3. Is there any policy in place so that bank can't change customer credit limit

whimsically?

Because on every overlimit bank charges INR 500 extra .may be they are doing

business in this way.

Even, I have not received the last statement.

Please look into this matter. I have stopped to pay Barclay, untill my issues are

resolved.

Regards

Surajit

Consequences.

1. Collection Dept (Sanjeev), continuously threatning to me and my family over phone (Name of one person we got after asking several times)

2. They are charging unnecessarry amounts to me over phone, and denying to give us the statement.

3.They are killing my and my famili's mental peace.