Opus warning for those who may have recently settled their account

londonice

Hi all,

First post and none too pleasant...

I received an opus card, paid off some of my balance by tarting and the outstanding, under fifty pounds paid by debit card which was understood to be the full and final settlement amount to close the account. At the start of december.

A week later, I received closure confirmation. However, after christmas, I got another statement, with a balance of 7p interest.

I had already stopped my direct debit and if I didn't notice this, I could have been charged £12 for defaulting! But I decided today to pay more than this amount and leave the credit balance there for as long as possible.

Is this right, can they add this interest after a settlement figure and closure confirmation has been sent? What would be the next steps to complain?

[Deleted User]

Was it an actual live settlement figure (that you paid immediately on the phone) or a statement figure?

londonice

I did the settlement over the phone and confirmed everything, twice!

[Deleted User]

Hmm. Odd. Shouldn't be trailing interest then.

Call them and ask them to explain. Maybe a system error or advisor error in giving a slightly outdated figure.

opinions4u

Deleted_User wrote: »

Hmm. Odd. Shouldn't be trailing interest then.

Call them and ask them to explain. Maybe a system error or advisor error in giving a slightly outdated figure.

Sounds like one day of interest on £50.

Funds not applied until the next day perhaps.

If it's all settled now, it's probably not worth kicking up a fuss. Annoying though.

londonice

Yeah, its just good I opened up the letter, else it could have been worse. Hope noone defaults on a thought-to-be-closed account though!!