hello,
i'm having a hell of a time trying to close all accounts with ulster bank and get them outta my life!
they told me verbally "i don't see why not" kind of comment that I would get an increased overdraft to cover period when i was selling home and had no rent coming in. this never materialised so i was overdrawn for about 3 months, (after 15 years as a good customer) and they added on more charges and fines that i would have thought possible. instead of trying to fight it i just decided i would close all accounts with them.
I wrote to them about 10 times, each time sending a copy of last letter. My final letter said "in reference to my letter dated x/x/06 and y/Y/06 and w/w/06...." No response.
Finally someone phoned me about some charge and I lit into her saying I want to close my accounts, why will nobody reply to my letters. Several weeks later I received a form to fill out to close accounts and i sent it in. Joy of joy when I received a cheque with balance due to me from dual account. Another from my current account and I thought I was done with them. No letter, no explanations though.
Yesterday I had a call from UB Visa crowd in the north asking why i hadn't paid the minimum payment on Credit card. I was furious and told her I would not even discuss it, I was sick of UB, she could discuss it with my branch (ex-branch) but she said she couldn't because they were not the same organisation or something, and I just put down the phone on her.
So, where do I stand? Can I just ignore this and hope it goes away? Who do I contact? My understanding is that when they send me closing balance, they have sorted out everything?
my first attempts to close accounts were around june of last year, please tell me what i should do now?