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Hi guys thanks for replies. The exhaustive 2 year enquiry has pretty much covered everything I think. The charges have already been applied. I’m seek...

Hello tda to be honest I kind of shut down nd thought the account would close. It remained open to this day with overdraft accruing more and more fees...

Thanks for the prompt reply! What I find surprising is the account was marked as settled on credit file back In April... why would a company sell ...

Hello Kevin and tea! Thanks for your comments. Having taken further advice I have been advised to request copy of the original credit agreement. This ...