Aqua CC Closure

paulq

I have just closed my Aqua cc with a balance of 0 on it but i was worried about the trailing interest, so i asked the lady if there would be any trailing interest on the next statement. She had a look and said there was 43p to be put on, so i said fine can i make a payment now. she said yes fine. closed my account and put through to the payments dept. when the lady at the payments dept looked at how much it was she said its a minimal amount not worth taking payment for (43p) so she would write it off? i asked if it would affect my credit rating and she said no absolutley not and everything was fine. Do you think me not paying the 43p might show on my credit file?

Dr_Cuckoo

Well I don't know - but if you pestered me for 43p I would tell you to go away and consider you to be a chav

I am aware that Halifax Credit cards have a call centre in Cardiff and that 43p may be a large sum of money to them therefore my advise would be to pay 43p and complain to the Obmbusman who has recenty introduced an 0800 number - so you can speak to a banklover at their own expense

PNPSUKNET

Dr_Cuckoo wrote: »

Well I don't know - but if you pestered me for 43p I would tell you to go away and consider you to be a chav

I am aware that Halifax Credit cards have a call centre in Cardiff and that 43p may be a large sum of money to them therefore my advise would be to pay 43p and complain to the Obmbusman who has recenty introduced an 0800 number - so you can speak to a banklover at their own expense

what a tw**nk , no it wont affect you

Dr_Cuckoo

PNPSUKNET wrote: »

what a tw**nk , no it wont affect you

Do you work for the Financial Ombudsman by any chance ?:D ?

PNPSUKNET

no, but you are coming out with rubbish. if it costs a lender 40p to take a payment its not worth it to them and is in their intrest to wipe it off and no it doesnt effect you.

Its-A-New-Age-Thing

paulq wrote: »

I have just closed my Aqua cc with a balance of 0 on it but i was worried about the trailing interest, so i asked the lady if there would be any trailing interest on the next statement. She had a look and said there was 43p to be put on, so i said fine can i make a payment now. she said yes fine. closed my account and put through to the payments dept. when the lady at the payments dept looked at how much it was she said its a minimal amount not worth taking payment for (43p) so she would write it off? i asked if it would affect my credit rating and she said no absolutley not and everything was fine. Do you think me not paying the 43p might show on my credit file?

mmmmmmmmm toughy that ull most probably be looked at with the same passion and hatred as someone whos just went bankrupt..........i mean 43p is a SUBSTANTIAL DEBT......................honest...........

:A

if in doubt contact ure local citizens advice beaureou, possible repercussions if u dont deal with this promptly could be a default, they may even DOUBLE URE DEBT, which could mean debt as high as 86p.........this could force u into having to make an arrangement to pay...................yeah its definetely a pickle.............

paulq

Its-A-New-Age-Thing wrote: »

mmmmmmmmm toughy that ull most probably be looked at with the same passion and hatred as someone whos just went bankrupt..........i mean 43p is a SUBSTANTIAL DEBT......................honest...........

:A

if in doubt contact ure local citizens advice beaureou, possible repercussions if u dont deal with this promptly could be a default, they may even DOUBLE URE DEBT, which could mean debt as high as 86p.........this could force u into having to make an arrangement to pay...................yeah its definetely a pickle.............

if you have nothing useful to say then don't

Its-A-New-Age-Thing

sorry i couldnt resist lol, its a ridicoulous question though, obviously its not gonna go anywhere is it lol

fozmcfc

Last time I had a really small balance on a Natwest card, I got my statement through and it said interest 40p, payment credit 40p, small balance write-off.

So basically Natwest just wrote off the balance as not worth bothering about.

paulmcerlean

The OPs post is not a stupid question. People have been left with defaults because of a few quid trailing interest.

This however is a situation where it will be written off as it would cost more to take the payment than make it.

You should get a statement to that effect next month. If not, call again and put your mind at rest.

Wutang_2

Its-A-New-Age-Thing wrote: »

mmmmmmmmm toughy that ull most probably be looked at with the same passion and hatred as someone whos just went bankrupt..........i mean 43p is a SUBSTANTIAL DEBT......................honest...........

:A

if in doubt contact ure local citizens advice beaureou, possible repercussions if u dont deal with this promptly could be a default, they may even DOUBLE URE DEBT, which could mean debt as high as 86p.........this could force u into having to make an arrangement to pay...................yeah its definetely a pickle.............

Real funny - I think we have the next Stephen Fry on our hands!