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Hi
I’m going to Ombudsman about Barclaycard’s maths. But, hey, I could be wrong, please can you calculate what they owe me?
I had fraud on my account for 6 months. During this time I was charged interest and I made monthly d/d payments.
I think they have refunded the fraud amounts (and got that wrong, overpaying me slightly), plus the interest; I think they still owe me a refund on the monthly direct debits I made to them. They disagree. They refuse to accept that my monthly d/d payments should be included.
I am dealing with a supervisor in the fraud team, I’ve spent 2 hours 40 mins with him last week and another 1 hour 30 yesterday and he insists he’s right. He is literally a guy in India with a calculator, I don’t even have a print out of their calculations. It’s unreal.
So please can you do the math and let me know if I need to pursue this further or if I’m in the wrong and need to go quietly.
My opening balance, owed to Barclaycard £2263.69 . (on 0%)
November 17
Purchase (by me) £168
Fraud:
157.61
75.77
Interest: 18.40
Payment D/D: £50.93
Closing balance Nov 2632.54
December 2017 Opening balance 2632.54
Fraud 1800
Fraud 236.90
Fraud 241.22
Fraud 883.70
Fraud 857.45
Charges 12
Interest 28.66
D/D Payment 59.23
Dec Closing balance 6633.24
January 2018 Opening balance 6633.24
Interest 216.33
D/D Payment 149.24
Closing balance January 6700.33
February 2018 Opening Balance 6700.33
Interest 144.53
D/D Payment 281.17
Closing balance Feb 6563.69
March 2018 Opening Balance March 6563.69
Interest 130.74
D/D Payment 208.72
Addiitonal D/D Payment 600
Closing balance March 5885.71
April 2018 Opening Balance April 5885.71
Interest 138.44
D/D Payment 190
Closing balance April 5834.15
May 2018 Opening Balance May 5834.15
Interest 79.77
Payment (balance trans) 3800
Closing balance May 2113.92
Payment (balance trans) 2113.92
Closing balance May 0
July 2018 Refunds
168
241.22
2376.88
Subtotal, £2786.10
2786.10 withdrawn to my current ac.
August 2018 Refunds
479.23 (interest)
1800
Subtotal 2279.23
(£2279.23 is the current positive balance on the card, waiting to move into my current ac.)
Barclaycard say I don’t understand maths and we are now even and they don’t owe anything. I say, they owe me for all the D/D payments I made during the life of the fraud/debt, which went into Barclaycard from my currrent account.
Answers please?
Thank you in advance for anyone bothering to do this
x
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