Should i do this . I am so tempted .

To begin with this is about a bank , yes i know i have lost half of you already but stay with me . But first a little background . Going back 5 years or so ago i was unemployed , struck down with mental illness ,i was bipolar to be precise , i still am but it seems to be OK at the moment and i pray it stays that way . But prior to that i had run up quite a few credit cards to their max . Yes i know stupid me and i certainly do not expect pity . Well anyways i got sick and along with that comes the almost impossible task of paying these cards back . Now most companies were pretty good and the one i most feared most was particularly good . But there was one company that hounded me from pillar to post , phone calls , letters , threats of legal action . Long story made short i got better and back to work , paid the cards off one by one and was wondering when said company would let me know i was in the clear with them . Nothing for months until i get a statement saying i was 580 dollars in the black . Nothing about a credit card with money on it , they had already told me i would never get another card with them so that was not possible . So it appears they lost my phone number and address until recently .

Should i send them a letter demanding my money back within a certain amount of time or legal action will be taken . No attempt has been made to contact me . I know it is not a lot of money but i am sure they are collecting interest no matter how small . Screw you bank .

a reply to: hutch622

Well, if they owe you, they owe you. You might as well collect. I'm sure you can use the money for something.

a reply to: Skid Mark

It is not really about the money . They would ring the instant i was late with a payement but could not ring when i was paid up . Wrong on so many levels .

a reply to: hutch622

Yes it is. I've been hounded like that. I hated it. Go after them.

a reply to: hutch622

A letter plus admin charges and interest to match their rate .... And late payment fines if they don't cough up.

a reply to: and14263

I just looked at the back of the statement and the following in caps .

Payment is not required on this statement as your account had a credit balance at the time of issue .

This from the same bank that threatened me . When did the phones stop working .

a reply to: hutch622

go after them then swap banks if you feel they reacted hostile to you. nothing wrong with asking. but be careful legal cost can exceed ur current amount u want back

a reply to: hutch622

There's probably a good template letter online you can use. These have worked well for me in the past, I had one debt completely written off and £2k refund of unfair charges. The latter was a while ago but it shows with the right approach victories are possible.

It's a Universal Truth : When you owe them, they will track you to the Gates of Hell. If they owe you, you'll never hear it from them.

a reply to: Skid Mark

Yes it is. I've been hounded like that. I hated it. Go after them.

Well i went after them sort of . I think what they done desrves its own rant .

a reply to: hutch622

Did you have any luck? Or did they give you trouble? From the sound of what you said it sounds like they gave you trouble.

a reply to: Skid Mark

What they did you , well you cant make it up .

a reply to: hutch622

Did they try to get away with not paying you?