I, Tejal Shah, would like to make a complaint against Barclays Bank Plc. I have a credit card with them. This complaint is a result of unacceptable service that I have received from them since the time I first got credit card with them, viz, since the year 2008.

The first time a written complaint was made by me, was in May 2008. Reason being as follows:

I had missed making a payment for Rs. 4,100 in April 2008. I got a call from their collections team executive, who shortly after speaking to me send me a text message on my mobile from his personal mobile number asking me to befriend him (he said his name was Sunny and his mobile number was 9970581549). I refused and he came back strongly threatening me.

This was reported to Customer care unit of the Barclays immediately (name of executive I spoke to was Hiren Sagar) and he said they will look into the matter and I will get a callback within 24/48 hours, which wasn’t done. As Sunny hadn’t arranged for anyone to be sent to collect payment, I did the same. I paid Rs. 1100 in cash and drew chq of Citibank for Rs 3,000 which was handed over to Mr B Shankar on the 29/04/2008 (he said he is from third party that collects money on behalf of Barclays). He was from a company called RMS Credit solutions Pvt Ltd, Juhu Tara Rd, Juhu, Mumbai: 400049. Their telephone number was mentioned as : 022-26605684/85.

After reporting the matter, Sunny started harassing me and my family by calling on my mobile and home telephone number from Barclays collections telephone number for more than 20-30 times a day with other names such as Raj and Amrish. He threatened my mother stating he will send police if I did not make payments, even after she gave the receipt number and said that the payments were made.

My mother being a BP patient was traumatized and faced undue stress due to continuous harassment by the collections team of Barclays.

Even though this was a serious situation, Barclays failed on all counts to get back to me and get this matter resolved on a priority based even though it was promised by various customer care executives who I kept calling up to follow up on their intentions regarding how to resolve complaints and when will compensation for undue stress paid to me? I had asked for compensation due to undue stress caused to my family and myself as a result of their employee’s actions which were not justified. I made a complaint to the police as well in May 2008. This was a complaint made by me and letter with all details was given at the Chirag Nagar Police station, Ghatkopar west, Mumbai - 400086.

After delaying the matter for more than 10 months, once I ceased making payments after sending e-mails to the CEO of Barclays bank, speaking to various officers like Mr Jignesh Bhatt and Mr Nilesh Fernandes, I was finally given a waiver on o/s amount on my card and was given some vouchers of Shopper Stop.

Shortly after this, I received a call from an executive of Barclays bank, who stated that to help me pay off my o/s amount they can place a block on this card and reduce the interest rates charges on it. At this stage, it was NOT informed that the card cannot be unblocked again and that it will be terminated the day I pay o/s amount in full if its after 6 months from the date card is blocked. I don’t understand that for no fault of mine how can they terminate the card and why did I never receive any apology letter or any confirmation, neither of complaint being resolved or being looked into, nor of resolution they provided, nor of this arrangement to help me payoff balance in full? I would like to add that in the month of February 2010, when I had some spare cash, I had decided to payoff my balance in full. It was only then that I was informed that the card will be terminated. I made complaint in March 2010 and till date 29th May 2010, I haven’t received the callback that was promised nor was any letter sent again acknowledging this complaint.

At this stage I am looking for help from The RBI, on this matter. Kindly let me know the next step of how can we arrange for this ongoing issue to be resolved?

Eagerly awaiting your reply.

Regards,
Tejal Shah,
2/18 Limani Bhuvan,
LBS Marg,
Sainath Nagar,
Ghatkopar west,
Mumbai – 86
Mobile number: 9819 29 25 86

Barclays Credit Card is the worst credit card. I dropped the before due date, but they cleared the same after a few days. Then they charged the late fee. I was knowing about this after 3 months. After a few months they agreed a settlement and I paid the amount. Still they continued with the calls, messages etc. Now also they tell that the balance is there. They were threatening that they would go for legal action. I have been using many credit cards for last 10 years and faced problem with only this bank. Please don't go for Barclays Credit Card...

Sub. Settlement No. MUM/BCGOLD/30246 DT.08TH JUNE 2009
Ref. card No.-------------------------------7284.
With ref to the above kinly note I Have already made full and final payment of my credit card
as per the above settlement letter, in the month of June 2009.And I have got all the evidence.
I have been receiving harassing calls from BARCLAYS BANK for recovery of paymanet.

1) Statement not delivered they will charged LP/Overlimit .
2) if they have set the limit for credit card how it can go beyond the limit .
3) total harrasment from barclays third party collection dept whoc dnt even know how to talk .
4) Multiple wrong commitments . better learn from UK Staff .
5) they will not resolve your issue because they are getting more money from overlimit/late payment .
6) Customer Care Dept team lead /Shift lead is not aware about the escalation hierarchy . Unskillfull Staff with inappropriate information .
7) By the name of CIBIL threating Customers .
8) Better learn from your competetors .
9) Every time you will get call from diffrent person from collection with wrong commitment .
10) Atlast Barclays PLC India sucks .
Settlement dept : 022 67695000 got from customer care .