M&S threatening letter saying account will be closed- overdue payment 0.00 (yes ZERO)

Nemodot · 19 May at 7:33PM

Hi M&S sent be a threating to close my account in 14 days if I don't pay an overdue amount of "0.00" yes ZERO.

It doesn't fill me with confidence with HSBC takeover! I have tried calling them but hard to get through and the app is horrible, AI garbage responses.

Shall I leave it or risk an account closure and ruined credit over 0.00? There systems are just awful obviously. I used to work in IT and aware how bad banking systems are and daft things happen!

subjecttocontract · 19 May at 7:53PM

I had exactly the same from BT....a final demand for £0.00 . My solution was to send them a cheque for £0.00....it did the trick.

I framed the BT final demand for £0.00 and hung it up on my office wall.

flaneurs_lobster · 19 May at 8:47PM

https://forums.moneysavingexpert.com/discussion/6669085/m-s-threatening-letter-saying-account-will-be-closed-overdue-payment-0-00-yes-zero

The crappy system is probably not crappy enough to allow you to make a payment of zero but how about a penny?

Might end up with the crappy system having a wobbly because your CC account is in credit but it's unlikely to trash your credit file.

surreysaver · 20 May at 8:57AM

There's probably a fraction of a penny due or something, and the system has rounded it down to zero.

As @flaneurs_lobster suggests, send them a penny. Although that would probably be in breach of T&Cs for putting the account in credit.

subjecttocontract · 20 May at 11:04AM

Threatening letter…..........……You could consider going to the local press. They love a good story especially with a comical twist to it. It might be worth telling M&S first in case they want to send you a keep quiet offer to avoid bad publicity. I think your situation could have a bit more mileage in it yet.....you might not want to be bothered but you could have a lot of fun at M&S expense.