Sub:- Over Charges charged by Barclays Bank- card No- 4339481351212515



Respected Sir

With Due regards I want to state as follows:

1) I have a Barclays Card - No-4339481351212515 since July'08.

2) I was having a Limit of more than 50000/- ( Exact figure I donot know right now) but limit was decreases to Rs. 12000/- , from when , I donot know.( I was never informed).

3) I donot received the bill for July / August'08, Although I have a spending of Rs.14512/- during July'08. After discussing on Telephone I make the Payment of Rs.1000/- on 26th of Aug'08 to the Bank Representative , with a promise from Call centre that they will reverse the Late Payment Charges if any as this was th first month and I could not received the Bill.

4) During Next month bill bank charged Late Payment and Overlimit Charges. On enquiry from Call Centre I was told that the Cash payment was credited on 16th Sept'08 and my Limit has been decreases , so they charged Overlimit Charges , But they will reverse them in next bill.

5) I again make the payment of Rs. 1550/- to Bank Representative in cash on 26th Aug which was again credited only after 5th of Sept ( Which is the date of generatiing bill as I understant).

6) Main thing is that after writing so many times to the Card Authorities they are not replying in the matter. I have already send the Scan copies of Receipts to the Bank Authorities but they are not reversing the charges although confirming on phones that my matter is geniune.

7) I have make the payments so many times but always in spite of correcting the bill they are again and again charging the charges as Late payment and Over Limit.

8) I never used the card afterwards, and till now make the payment of Rs.15111/-.

9) If the interst rate of 3.1% is charged the net outstanding now comes to Rs.5060/- only but the Bank is saying to have an outstanding of more than Rs. 24000/- mainly due to will full wrongly charges of Over Limit and Late Charges.

10) My complete statement is as follows:-

Name Rajiv Gupta
card No 4339481351212515
Interest Rate 3.10% 3.10% 0
Date days Interest Sr. tax Balance
Debit Credit 3.10% 12.36%
7-Jul-08 Cash 12000
Transaction Fee 3% 360
15-Jul-08 Petrol 2152

Total Actual Spending 14512 14512
26-Aug-08 Cash 1000 13512
26-Sep-08 cash 1550 31.00 433 53 12448
16-Dec-08 Cash Payment 0 1800 81.00 1042 129 11819
23-Mar-09 Cash 1800 97.00 1185 146 11350
15-May-09 Cash 1000 53.00 622 77 11049
31-May-09 cash 1000 16.00 183 23 10254
15-Jun-09 Cash 1050 15.00 159 20 9382
25-Jul-09 Cash 1100 40.00 388 48 8718
26-Sep-09 Paid cash 0 2400 63.00 568 70 6956
27-Oct-09 Paid Cash 1200 31.00 223 28 6006
4-Dec-09 Paid Bank Tfr 0 1211 38.00 236 29 5060
14512 15111 5037 623


11. Please arrange to help me as I have tried to reslve the issue from Bank, But they are not giving a proper reply ( May be this is a way to cheat).

12. Even their Call Centre people are trying to threat me to physically assault and to refer the case to credit monitoring agency.

13. I again request you to please settle the case as 3.1% Interest is already on higher side, and there is no requirements for any Late payment or OverLimit Charges when bank has no good intension.

Thnx & Regards
Rajiv Gupta
202, Neelkanth, Sector- 21C, faridabad.- Haryana(NCR)
09810822869
guptar34@yahoo.com