Barclays Bank Loans

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Don't approach this bank for any lianas it's waste of your time and energy.been with Barclays for so long and they will make 100 excuses not to give any loan despite having a good monthly income.

This is the worst experience I have ever had as I was emailed by Barclays fiance team that my loan has been approved and I can buy the the laptop from apple, but the next day I got a letter saying it hasn't been approved. What kind of bad System it has got.

I wonder why this kind of bad companies ruining the banking system of UK. Their automated email saying its been approved and its actually not.

Showing hope to peoples mind and breaking it. why Govt is not looking for this kind of worst companies.

why people are not rejecting them from UK?

I've recently applied for a finance to buy an iMac at apple store.

As Apple uses Barclays and I'm a Barclaycard user I was happy to go for it.

My credit score according to Barclaycard is very good at the moment, all my balances are paid off on time no matter what ammount it is, and my available credit was already raised twice and is now at the top available limit.

It seems though that a credit score from Experian, which by the way I decided to leave long ago, has more to say.

Barclays bank is more keen on taking my credit score from company I am not registered with anymore, than looking at my present credit abilities... Just to clarify, I have cancelled my account with Experian because their website could never give me a credit score, there was always a problem with the service and their customer service could never help me out. When I asked for my money back due to their service being not available whenever I need it, they said it's not possible and did not even apologise... Going back to my point, my loan application was refused due to feedback from Experian. I strongly advise everyone who wants to take any lan at Barclays Bank to consider other loans and go for a different bank.

First of all I will suggest u guys to not go for this bank, if you want Personal Loan. Please read fully to know about this bank.

I applied for Personal loan as they have been told the interest Rate is 16 % , but actually it is not true. At the time of processing they will tell you its not 16 %, but its 18 %. later at the time of sanctioning of loan, they will tell you its 20 %. but at the end again they will charge extra 2 %, so total interest rate was 22 %. if u ask about this, they will tell you, no sir its a company process and we will not take any pre-closure charges(i.e.4%).Now I want to close my loan a/c. and I have requested them to cancel the pre-closure charges as they have informed at the time of taking the loan. but now bank is not ready to cancel the pre-closure charge.

And the customer service is so worst that u cant imagine. if you ask anything related to cancelling of pre-closure charge they will immediately cut the call.

I have tried 4-5 times but I got the same response.

even though I was not missed even a single EMI. this bank is not ready to cancel pre-closure charges, but initially they told, they will cancel it

And regarding the pre-closure process, I have been contacting bank executive more than a month, but till now I didn't get any information regarding closing of my loan account. so I paid one month extra EMI also.

if I mail them, then they will come back after a week, that to saying, contact customer care regarding this.

So please guys don't ever opt for this bank for any personal loan, this is one of the worst bank I have seen.

try to be a customer friendly.

Got pushed into a narcosis partner loan by a pushy salesman at a Ford dealership who said it was better than the Ford credit loans, figures looked good, however he lied about many things including the apr, the final payment and the way the interest is calculated, we are now stuck with this totally useless loan which is going to cost us 30% more than the car is worth at the end of the term, my advice stay well clear of Barclays loans as they do not give a toss about the customer just about their profits and hard sell, we found out after the salesman had been dismissed thatvhe was on commission for every loan he sold !!!! And now Barclays do not want to know

Despite having a joint account with them ever since they took over from woolwich, and having good credit and maintened the account impeccably, we were declined a loan for 3K

Still they pay big bonus's to the fatcats, I guess thats all they are concerned about, not their customers !

Especially as the Govermment gave them cash to loan out to try and get the economy on the move again. Avoid !

This is a caution note for anyone who would be tempted to get a personal loan in Barclays. A year ago I got a loan in this bank, and regularly paid it back until last month, when, by mistake, I transferred my monthly repayment to the wrong account (saving account, instead of current account), and noticed it 3 weeks after the date of monthly payment and immediately transferred the funds into current account. Three weeks after this event I began to receive lots of telephone calls from companies offering me debt management (!), quick loans (!) and the like. The worst thing is that those people called not only on my mobile phone (sometimes during important meetings, or early in the morning on my way to the office) but also called my office number! I was stalked by telephone calls for two weeks. It happed once or twice that the secretary in my department answered these calls and I had to explain to everyone at work that I am not in deep financial troubles, bankrupt, or anything like that. To make it absolutely clear, I NEVER gave my personal details nor contact numbers to any company of that sort. These details, along with the information that I missed one payment, were available in the banking system of Barclays bank. And I am asking myself: how come my personal data got out of this system? So, do yourself a favor, avoid Barclays!