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neil3030
Guest
I recently got a glut of post from my old address, in which there was a letter from a credit agency acting on behalf of my old bank informing me that there is money outstanding on my Credit Card account, which they have been formally instructed to pursue. I was surprised to see this, as I had closed this account back in March, paying them the outstanding balance in full.
I rang the bank and they said when I closed my account, they thereafter applied a "closing of account" charge, about which they had sent me letters (which, in fairness, they had, but I didn't receive them as I had moved).
The charge was initially relatively small, but it obviously then increased each month it wasn't paid, before finally being issued to a credit agency, incurring further charges.
I left the bank over another dispute which I won't go into, but suffice to say that I am very angered that they applied this charge after I had considered my dealings with them to be through. They are also completely dismissive of the fact that I had moved address and was not made aware of the charge until today, and won't budge on reducing or striking the outstanding figure.
I am also worried that the 6 odd months of not paying it may have affected my credit status. Would this be the case?
Any help that anyone may offer on this issue would be dearly appreciated.
I rang the bank and they said when I closed my account, they thereafter applied a "closing of account" charge, about which they had sent me letters (which, in fairness, they had, but I didn't receive them as I had moved).
The charge was initially relatively small, but it obviously then increased each month it wasn't paid, before finally being issued to a credit agency, incurring further charges.
I left the bank over another dispute which I won't go into, but suffice to say that I am very angered that they applied this charge after I had considered my dealings with them to be through. They are also completely dismissive of the fact that I had moved address and was not made aware of the charge until today, and won't budge on reducing or striking the outstanding figure.
I am also worried that the 6 odd months of not paying it may have affected my credit status. Would this be the case?
Any help that anyone may offer on this issue would be dearly appreciated.