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OneLife_OneShot
Posts: 775 Forumite
Need advice please .
I got a card for travelling in Australia I topped it up and used it at shops and ATMs.
The final day in Oz I went to withdraw 300 dollars and it took it off my account but the machine didn't give me it.
Wasn't the end of the world I got home and got it refunded and 30 dollar good will gesture. I went down to the co op I got it and requested it be closed. The girl said okay and cashed out the equivalent in sterling.
I'm now getting a final demand letter from pre paid mastercard saying I owe them $69.
I will get to the bottom of it but am I right in saying they can't place a default or anything on my account as it's not a credit agreement?
Thanks
I got a card for travelling in Australia I topped it up and used it at shops and ATMs.
The final day in Oz I went to withdraw 300 dollars and it took it off my account but the machine didn't give me it.
Wasn't the end of the world I got home and got it refunded and 30 dollar good will gesture. I went down to the co op I got it and requested it be closed. The girl said okay and cashed out the equivalent in sterling.
I'm now getting a final demand letter from pre paid mastercard saying I owe them $69.
I will get to the bottom of it but am I right in saying they can't place a default or anything on my account as it's not a credit agreement?
Thanks
"All truths are easy to understand once they are discovered, the point is to discover them."
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Comments
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Yes that's correct, it will not show on your credit file.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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sourcrates wrote: »Yes that's correct, it will not show on your credit file.
Thank you, that is a weight off my mind. Hopefully they will be reasonable to deal with."All truths are easy to understand once they are discovered, the point is to discover them."
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