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  • FIRST POST
    • Seanj
    • By Seanj 14th Jun 17, 2:30 PM
    • 4Posts
    • 0Thanks
    Seanj
    Help quick - Tesco credit card
    • #1
    • 14th Jun 17, 2:30 PM
    Help quick - Tesco credit card 14th Jun 17 at 2:30 PM
    I had a Tesco credit card and was using fine a few months ago, the balance became 0 and I phoned up numerous times to double check I didn't per anything

    I spoke to at least 5 people all on recorded phone calls with them not saying maybe but with them definitely saying the follow

    All your ties are cut with Tesco
    Your balance is 0
    You don't owe us anything

    And so on they weren't maybes they outrigu5 assured me.

    However I just got a statement through saying I owe 700£

    Even though my account was closed and still is.

    I phoned up just now and am on hold for 20 minutes while they check things but even the bloke said your account is 100% closed

    If they ask for this magical money what shall I do, the fact they told me the above and now couldn't even afford that if I had to pay it.

    I feel like there must be a law that the fact they've let me close my account and at least 5 people told me i owe nothing and they said my ties where cut with Tesco when I asked means what it means. Shall I refuse to pay

    I'm wondering if they're are any laws surrounding this I can quote to them when they ring me back?
Page 1
    • Seanj
    • By Seanj 14th Jun 17, 2:32 PM
    • 4 Posts
    • 0 Thanks
    Seanj
    • #2
    • 14th Jun 17, 2:32 PM
    • #2
    • 14th Jun 17, 2:32 PM
    It's been a couple of months since the account is closed.
    • zx81
    • By zx81 14th Jun 17, 2:34 PM
    • 12,031 Posts
    • 12,171 Thanks
    zx81
    • #3
    • 14th Jun 17, 2:34 PM
    • #3
    • 14th Jun 17, 2:34 PM
    What is the £700 for?

    A closed account can be reactivated by a transaction, such as CPA, for example.
    • Fishingtime
    • By Fishingtime 14th Jun 17, 2:37 PM
    • 701 Posts
    • 781 Thanks
    Fishingtime
    • #4
    • 14th Jun 17, 2:37 PM
    • #4
    • 14th Jun 17, 2:37 PM
    Your balance is zero ?
    But why would they say all your ties are cut with them
    Owing on CC £00.00

    It's like shooting nerds in a barrel
    • Seanj
    • By Seanj 14th Jun 17, 2:37 PM
    • 4 Posts
    • 0 Thanks
    Seanj
    • #5
    • 14th Jun 17, 2:37 PM
    • #5
    • 14th Jun 17, 2:37 PM
    They closed the account and by balance is 0, I mean they said my balance is neutral I don't owe anything
    • Seanj
    • By Seanj 14th Jun 17, 2:38 PM
    • 4 Posts
    • 0 Thanks
    Seanj
    • #6
    • 14th Jun 17, 2:38 PM
    • #6
    • 14th Jun 17, 2:38 PM
    And my account hasn't been reactivated it's still closed...
    • zx81
    • By zx81 14th Jun 17, 2:40 PM
    • 12,031 Posts
    • 12,171 Thanks
    zx81
    • #7
    • 14th Jun 17, 2:40 PM
    • #7
    • 14th Jun 17, 2:40 PM
    Which is why you need to find out why there is a £700 balance on it.

    The balance means the account is no longer closed ,even though it will have a closed flag that prevents you using the card.
    • shortcrust
    • By shortcrust 14th Jun 17, 2:45 PM
    • 1,223 Posts
    • 1,501 Thanks
    shortcrust
    • #8
    • 14th Jun 17, 2:45 PM
    • #8
    • 14th Jun 17, 2:45 PM
    Which is why you need to find out why there is a £700 balance on it.

    The balance means the account is no longer closed ,even though it will have a closed flag that prevents you using the card.
    Originally posted by zx81
    My guess is they know what it's for (having had the statement) and don't dispute the transaction but hope they don't have to pay on a technicality.
    • Candyapple
    • By Candyapple 14th Jun 17, 3:18 PM
    • 2,077 Posts
    • 1,608 Thanks
    Candyapple
    • #9
    • 14th Jun 17, 3:18 PM
    • #9
    • 14th Jun 17, 3:18 PM
    I had a Tesco credit card and was using fine a few months ago, the balance became 0 and I phoned up numerous times to double check I didn't per anything

    I spoke to at least 5 people all on recorded phone calls with them not saying maybe but with them definitely saying the follow

    All your ties are cut with Tesco
    Your balance is 0
    You don't owe us anything

    And so on they weren't maybes they outrigu5 assured me.

    However I just got a statement through saying I owe 700£

    Even though my account was closed and still is.

    I phoned up just now and am on hold for 20 minutes while they check things but even the bloke said your account is 100% closed

    If they ask for this magical money what shall I do, the fact they told me the above and now couldn't even afford that if I had to pay it.

    I feel like there must be a law that the fact they've let me close my account and at least 5 people told me i owe nothing and they said my ties where cut with Tesco when I asked means what it means. Shall I refuse to pay

    I'm wondering if they're are any laws surrounding this I can quote to them when they ring me back?
    Originally posted by Seanj

    I'm inclined to agree with shortcrust's post above. If you have called to close a credit card account, why did you need to call back a further 5 times to double check that the account was closed with a zero balance?

    It sounds like you knew there was a chance of a payment you made (perhaps a pre-order purchase made a long time ago / a continuous payment authority that you thought if the card was closed that the payment wouldn't go through / a transaction you made a long time ago but the retailer hadn't put it through yet - either way, whatever excuse it is - all you need to do is ask Tesco for a statement or what the £700 was for and then pay it.

    If you can't afford to pay it back, you'll need to come to a payment plan agreement with Tesco and pay it off in instalments. Or you could return whatever you purchased with the £700 and the refund would remove the debt.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • eskbanker
    • By eskbanker 14th Jun 17, 4:03 PM
    • 4,801 Posts
    • 4,531 Thanks
    eskbanker
    all you need to do is ask Tesco for a statement or what the £700 was for
    Originally posted by Candyapple
    OP already has this but has refused to answer a previous poster asking what the £700 was for!
    I just got a statement through saying I owe 700£
    Originally posted by Seanj
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