Can Asda/Santander do this

whizzkid001

Have had an Asda CC for 2 years now, never missed a single payment until last month. However, I wrote several weeks ago telling them I was undergoing temporary hardship, and could I make reduced payments until my business picked up.

Last week, I received a £1,000 PPI refund, which went straight into paying off half the balance currently owed, I also made that month's payment on top, so there was no debt owed and consequently not in hardship any longer.

However, having not once responded to my initial letter, I called them today and was horrified to discover that they have already cancelled/closed my account, and even though I told them I was no longer in hardship, if I wanted a card still, I would have to reapply!!

My questions are:

1) should I not have been given 30 days notice of their intention to close my account?

2) I can see from their Terms & conditions that they can give you, on request, a payment holiday - which is the most I would have needed. Why was this not suggested or offered before arbitrarily closing my account?

I think they are well out of order for doing this. Any advice?