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Question about having accounts in another country

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  • 04-05-2010 7:27pm
    #1
    Padgeman
    Registered Users Posts: 142 ✭✭


    Hey all,

    Just got a quick question about Barclaycard. I've had an account there since forever, and I found out this week that they had closed the account on the quiet without telling me anything about it! The first I heard of it is when I tried to buy something on the card and it was declined.
    When I phoned them up to complain about it, they told me some crap about how they cancelled it cause I was in the Republic of Ireland, but that didn't matter in the past, and it hasn't mattered in the last few years I've lived here! I didn't owe any money on the card at the time it was cancelled, but I used to use it a lot, and I've always paid back on time. Are they within their rights to do something like this?
    Does anyone here have any experiences like this?


Comments

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    #2
    100gSoma
    Registered Users Posts: 1,285 ✭✭✭100gSoma


    did you tell them you were now resident in a different country to the one you took the card out in?


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    #3
    Padgeman
    Registered Users Posts: 142 ✭✭Padgeman


    100gSoma wrote: »
    did you tell them you were now resident in a different country to the one you took the card out in?

    Yeah definitely, they've been sending statements and stuff here for the last 8 years :pac:


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    #4
    stepbar
    Closed Accounts Posts: 6,123 ✭✭✭stepbar


    Padgeman wrote: »
    Yeah definitely, they've been sending statements and stuff here for the last 8 years :pac:

    You're not going to get any joy over the phone. A letter is going to be needed stating the problem. I would also ask for the terms and conditions. Now granted you should be paying the government credit card duty as you are normally resi in the republic but I can't understand why it would be closed unless there's a term stating that the care must be used every few months or something.


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    #5
    BuffyBot
    Registered Users Posts: 24,924 ✭✭✭✭BuffyBot


    I'd be hugely surprised if the T&C's don't have a clause allowing them to revoke the card at any time/after a period of non-usage, to be completely honest.

    Sounds like they were clearing up inactive/higher risk accounts and you got caught in the sweep.


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    #6
    Padgeman
    Registered Users Posts: 142 ✭✭Padgeman


    Hmmm. I guess I should have looked a bit more carefully at the Terms and Conditions. Wouldn't have minded a bit more warning from them though, as opposed to just stopping my card and saying nothing about it... I may send them a letter! Thanks all :)


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