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Old ING account

Hi I had an ING account (Belgium) in 2002 which I stopped using in 2005. I have now received a letter from a debt collection agency. There are charges totalling over £2000 and I can’t get any sense from them other than that most of this is for interest but they can’t tell me how the debt came about in the first place. Where do I go from here? 


  • RetiredwelshmanRetiredwelshman Forumite
    75 Posts
    10 Posts
    Maybe they levied a monthly fee?
    We are lucky in being one of a small number of countries that has free banking.
  • dunstonhdunstonh Forumite
    110K Posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    they can’t tell me how the debt came about in the first place
    The debt collection agency wont know how you accrued the debt.  Only the lender can.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • FarfetchFarfetch Forumite
    3.5K Posts
    1,000 Posts First Anniversary Name Dropper
    Different country rules of course but I'd suspect Belgium may well have something similar to the statute of limitations over here meaning debts that are not paid/acknowledged after 6 years cannot be enforced. You need to seek advice from someone who understands Belgian financial law

    He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery.

    -Harold Wilson

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