F
fiveyears
Guest
Last Friday while querying some withdrawls on my account I discovered that firstly I had a secret credit card for the last five years I knew nothing about, secondly I was being charged for it, and thirdly my bank (the same bank which issued me the card) was fining me bouncing the paymnt on the card, because there was no money in my account.
Ao the facts are these. Yes I did apply for a cc with BOI, filled out mandate, etc, etc. I was in full time employment and making resonable money. However my application was turned doen on the grounds that my account was still a student account. So I contacted my bank changed it and reapplyed. In the mean time I was issued a card with MBNA.
I contacted BOI, told them I no longer wanted a BOI CC. I was advised to cut the card up and return it, Which I duly did, and thought no more about it. At around about the same time. I moved home.
When I spoke with the bank on friday I was informed that I had incurred a charge on the card from the goverment levey on CC. The card had never been cancceled and I have been making a payment of €12.50 every month for the past four years on this CC. The address on the account is different to my address from four years ago. So I have never seen a staement in all this time.
I know I should of been checking my statements more carefully. But has anyone any idea what recoures I have open to me. I have incurred charges and penalties on a card I cancelled five years ago. I dont expect to get any money back from BOI. But will I have to pay the outstanding balance on the card ?
Ao the facts are these. Yes I did apply for a cc with BOI, filled out mandate, etc, etc. I was in full time employment and making resonable money. However my application was turned doen on the grounds that my account was still a student account. So I contacted my bank changed it and reapplyed. In the mean time I was issued a card with MBNA.
I contacted BOI, told them I no longer wanted a BOI CC. I was advised to cut the card up and return it, Which I duly did, and thought no more about it. At around about the same time. I moved home.
When I spoke with the bank on friday I was informed that I had incurred a charge on the card from the goverment levey on CC. The card had never been cancceled and I have been making a payment of €12.50 every month for the past four years on this CC. The address on the account is different to my address from four years ago. So I have never seen a staement in all this time.
I know I should of been checking my statements more carefully. But has anyone any idea what recoures I have open to me. I have incurred charges and penalties on a card I cancelled five years ago. I dont expect to get any money back from BOI. But will I have to pay the outstanding balance on the card ?