written by on 13/06/2013
I got a Debenhams credit card in 2009, paid my balance each month on time, and cleared the balance in mid-2010. Not used it since. After a while Debenhams sent various letters saying the account would be closed after a certain period of months had elapsed. When it elapsed I got a final letter confirming the account was closed.
Today in June 2013 I got a letter from a debt collection agency for a debt owing on my Debenhams card. This dates to November 2012. Despite the letters the account wasn't closed after all! So a credit protection payment was allowed to be debited. If I had thought my account remained open I would have cancelled this debit a long time ago. (The closed account would have voided the credit protection payment). And I knew nothing of the debt until hearing from an unfriendly debt collector.
I feel very mislead by Debenhams correspondence and am going through the complaints procedure, involving Trading Standards if need be. With all the charges added on I'm suddenly in hock to them for hundreds!