Hi, I have a similar complain. I told them that I am ready to take the offer if there are no charges. but one fine day i get a message that I have a credit of Rs 6742 adn they are not ready to reverse it. Have you got any reply lately. I am getting calls from Barclays every single day saying it is for Quality purpose for they payment and they say repeat your concrn. Pleaase let me know if you have got any rlief at toamitchordia@yahoo.co.in