I used a zero interest loan to purchase solar panels. I paid the personal loan within the required period. I then received a message that I was in credit so I requested a refund and closure of the account (by phone). I kept receiving monthly statements with zero balances, so I replied to one of those emails with a written request to close the account.
Their email did have a notation that:
"This is an unmonitored email address so please do not reply to this email. If you have any questions about your account, please call xxxx xxx xxx."
However, I was working night shift at that time and long hours so it was the only option I could see. Recently I received a telephone call from a collection section of the financier asking when I will pay the outstanding balance.
When I asked what that was for they told me it was an annual renewal fee, I informed them I had requested that the account was closed. They asked me to pay the amount and then they would close the account. I refused to pay anything.
Do I have to pay that annual renewal fee?
Their email did have a notation that:
"This is an unmonitored email address so please do not reply to this email. If you have any questions about your account, please call xxxx xxx xxx."
However, I was working night shift at that time and long hours so it was the only option I could see. Recently I received a telephone call from a collection section of the financier asking when I will pay the outstanding balance.
When I asked what that was for they told me it was an annual renewal fee, I informed them I had requested that the account was closed. They asked me to pay the amount and then they would close the account. I refused to pay anything.
Do I have to pay that annual renewal fee?
