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Problem with AIB

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  • 10-01-2014 10:52am
    #1
    kaiser31
    Closed Accounts Posts: 131 ✭✭


    I went into my AIB branch yesterday to close my current account. The agent who was dealing with me asked me did I want to close my Click Credit Card as well. My problem is I've never had an AIB CC. The cashier rang the relevant department and was told that I ordered it online in March 2009 and I owed €54 in government levies. They put the account on hold to avoid me having a huge bill being run up ( very kind of them). When I queried was the account activated I was told no, and when I asked where was the CC sent to, I found out they had sent it to an address I had left 2 years previously. The cashier then told me that if I didn't pay the balance it would go against my credit rating! What should I do?


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    #2
    coffeenut
    Registered Users Posts: 38 ✭coffeenut


    lodge a formal complaint with their complaints department. it will cost them less to write off the 54 quid as a goodwill gesture than to put the time and effort into dealing with the complaint.


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    #3
    dotsman
    Registered Users Posts: 3,636 ✭✭✭dotsman


    Ultimately, the question is did your order the card?

    What I find strange about all this, is did you not notice a direct debit coming out of your current account every month for the last 4 years? After all, I assume that a direct debit was taking the minimum 5% of the debt every month. That's the only way I can explain a debt of €54. If you had not being making any repayments, then the stamp duty for 4 years would be a lot greater, with a lot of interest, late payment charges etc added on top .

    As coffeenut said, you could try and complain and bully them into letting you off. But ultimately, they're the ones down €54 from your mistake.


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    #4
    kaiser31
    Closed Accounts Posts: 131 ✭✭kaiser31


    dotsman wrote: »
    Ultimately, the question is did your order the card?

    What I find strange about all this, is did you not notice a direct debit coming out of your current account every month for the last 4 years? After all, I assume that a direct debit was taking the minimum 5% of the debt every month. That's the only way I can explain a debt of €54. If you had not being making any repayments, then the stamp duty for 4 years would be a lot greater, with a lot of interest, late payment charges etc added on top .

    As coffeenut said, you could try and complain and bully them into letting you off. But ultimately, they're the ones down €54 from your mistake.

    I didn't order the card. There was no direct debit, there was no card, there was no paper trail. The first I heard of any of this was when I went into the branch to close my current account. The €54 are government levies but AIB froze the CC account after two years so I wouldn't accrue any more levies.


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    #5
    GerardKeating
    Registered Users Posts: 7,651 ✭✭✭GerardKeating


    kaiser31 wrote: »
    I didn't order the card. There was no direct debit, there was no card, there was no paper trail. The first I heard of any of this was when I went into the branch to close my current account. The €54 are government levies but AIB froze the CC account after two years so I wouldn't accrue any more levies.

    If that is the case, ask them to show proof you ordered the card.


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