Juniper letter

Due to the ever changing due date and my attempts to make my payment early or on time, I had my August payment post 3 days before the end of the July bill cycle. I ended up with 2 payments in one month. Barclay took this as an opportunity to charge late fee (which in turn pushed me over my credit limit). When I made my September payment on 09/06 (due date 09/30) it posted 1 day after the August bill cycle. Since I paid early in a good faith effort to be on time, I ended up being dinged for a late payment fee, an over the limit fee and now......you guessed it....my rate has gone from 8.99 fixed to 23.99 almost triple. Bellow is a copy of one of the emails I sent in an attempt to resolve this issue amicably.

"As I explained in my original complaint, I have made a payment each and every month. If your company can have 2 payments due in one calendar month, I fail to understand how my payment for August, which I foolishly paid 3 DAY EARLY, is justification for charging a late fee (which pushed me over my credit limit) and this is why my rate skyrocketed. If YOU cannot or do not have the authority to rectify this situation in a mutually beneficial manner, please provide me with the address to send my complaint to the following people for review: Mr. Gary Hoffman, Mr. Marcus Agius, Mr. John Varley, Mr. Robert Diamond, Mr. Chris Lucas, Mr. Frits Seegers, Mr. Antony Jenkins, Mr. Richard Vague and Mr. James Stewart.

I believe that paying a bill 3 days early would show sufficient good faith that your company would attempt to resolve this in a mutually amicable manner. Especially when you take into account that the next payment again, made early (on 09/06/2007 for my payment due date of 09/30/2007) actually posted one day after the bill cycle in question ended.

If this issue in unable to be resolved at this level or in the alternative, I am provided no path to further escalate this issue, I will file formal complaint with each local, state and federal agency available to me in addition to contacting all local and national news media outlets (newspapers and television) about how Barclays Bank refuses to work with a customer who can prove payments each month. "