All,

As I do every year, I over indulged in Christmas and racked up a 4k credit card bill.

I managed to transfer it over to a 30 month purchase card 0% and all was good with the word.

I went to make my first payment yesterday online and the credit card has disappeared from my online banking.

I then come home to a letter saying basically 'yes, we said you can, but no, you can't'

So this 4k has now disappeared, where do I stand? How do I pay it off? Who do I pay it to? and how can I now transfer that to another card?

Cheers in advance.

Scoring goals for fun, and I know why..
Yohan Cabaye, Yohan Cabaye, Yohan Cabaaaaye

PSN: Essex-Eagle

Head orifice. Loving the Malapropism!

Palace since 19 August 1972. Palace 1 (Tony Taylor) Liverpool 1 (Emlyn Hughes)

My favourite tale of revenge on a bank:

A friend of mine used his bonus to pay off and close a credit card he no longer wanted. But, because banks over here use a two-month average for calculating interest (which should be illegal), they sent him a subsequent statement because he owed interest even though he'd paid the card off the prior month.

He entered into a prolonged and completely pointless battle with the bank. Eventually, he gave up and sent them the interest they were demanding. The trouble was, the argument had run on long enough so that it had rolled into a subsequent billing month and now - because of the two-month average nonsense - he owed interest on the interest. It was about 75 cents.

This sparked a new round of calls with the bank, as he tried to get them to waive this paltry sum because it was going to cost him more than 75 cents to send them 75 cents, and it was going to cost them more than 75 cents to receive his 75 cents. This made perfect sense, of course, which is why the bank refused and demanded payment or they'd post a delinquent report against him with the credit bureaux.

So he sent them a cheque for a dollar.

Now they owed him 25 cents. They sent him statements confirming his credit balance for a about a year, and then sent him a cheque for 25 cents plus interest.

We don't do possession; we do defense and attack. Everything else is just wa**ing with a football.

COYP

Just out of interest. How long is a debt valid? When I emigrated I tried to pay of my Vodaphone mobile phone account then about 10 years ago I got a forwarded County Court letter (to appear at Hull Magistrates ) saying I owed them 50 odd quid. After trying for ages afterwards trying to pay them up I gave up the ghost as they wouldn't accept any form of payment.

Pro USA & Israel

It's six years to take court action. But unfortunately for you "If the creditor has already obtained a court judgment or order before the limitation period passed the debt can never become statute-barred".

Optimistic as ever