Credit Card Debt: already cleared 4 months ago but CCL still involved
I had about $1500 overdue Mastercard balance from last September and had paid them off in full this May.
I moved to Europe last year and therefore could not receive letters from MBNA. I called MBNA a couple times this year to ask for my remaining balance, and I paid off my balance in 3 separate payments(last one in May). I thought I'd have no more problems with MBNA until the new tenant from my previous apartment contacted me by email through my ex-landlord. He told me he's been receiving letters from MBNA and CCL financial for quite some time and he felt I should know about it.
I didn't know what CCL was so my immediate reaction was to call MBNA, I told the representative about receiving letters from CCL and she looking into my account and told me that it's because I have a 74-cent credit on my account, before I authorize them to write it off or let they send me a cheque, they couldn't close my account(That's all she told me from this phone call). I was relieved and told them just to write the remaining credit off and she assured me that "my account is now closed".
Meanwhile I emailed the current tenant of my previous apartment to ask him to open the CCL letter just to make sure, and the next day he replied me with a picture of the letter, with the situation totally different from what the MBNA representative had told me. The letter(sent in July) claims that they have purchased my debt and I have to pay them $423(and the amount increases everyday by $1). I called MBNA and this representative told me they indeed purchased my balance last NOVEMBER and he has no further information for me, he advised me to call customer service manager the next working day(next Tuesday).
Before calling CCL, there're a few things I'd like to find out:
1) When CCL purchased my debt(last Nov), does it mean that I should've made payment to them instead of MBNA?
2) If so, as I made payment to MBNA instead, while none of the previous representatives I've talked to this year mentioned anything about CCL purchasing my balance, even though the last representative said my account shows that they purchased it last November. Is it MBNA's mistake that I wasn't aware of any of this?
3)How was the remaining debt of $423 to CCL generated?
*$1500 is the total that I've paid this year before the balance was cleared.
4) Can I request MBNA to contact CCL to inform them about my payment to MBNA?
I really hope someone has an answer for me. I have the money to pay CCL but I really need to know how this 3rd party company functions and how the remaining balance generated before making any payment.
I moved to Europe last year and therefore could not receive letters from MBNA. I called MBNA a couple times this year to ask for my remaining balance, and I paid off my balance in 3 separate payments(last one in May). I thought I'd have no more problems with MBNA until the new tenant from my previous apartment contacted me by email through my ex-landlord. He told me he's been receiving letters from MBNA and CCL financial for quite some time and he felt I should know about it.
I didn't know what CCL was so my immediate reaction was to call MBNA, I told the representative about receiving letters from CCL and she looking into my account and told me that it's because I have a 74-cent credit on my account, before I authorize them to write it off or let they send me a cheque, they couldn't close my account(That's all she told me from this phone call). I was relieved and told them just to write the remaining credit off and she assured me that "my account is now closed".
Meanwhile I emailed the current tenant of my previous apartment to ask him to open the CCL letter just to make sure, and the next day he replied me with a picture of the letter, with the situation totally different from what the MBNA representative had told me. The letter(sent in July) claims that they have purchased my debt and I have to pay them $423(and the amount increases everyday by $1). I called MBNA and this representative told me they indeed purchased my balance last NOVEMBER and he has no further information for me, he advised me to call customer service manager the next working day(next Tuesday).
Before calling CCL, there're a few things I'd like to find out:
1) When CCL purchased my debt(last Nov), does it mean that I should've made payment to them instead of MBNA?
2) If so, as I made payment to MBNA instead, while none of the previous representatives I've talked to this year mentioned anything about CCL purchasing my balance, even though the last representative said my account shows that they purchased it last November. Is it MBNA's mistake that I wasn't aware of any of this?
3)How was the remaining debt of $423 to CCL generated?
*$1500 is the total that I've paid this year before the balance was cleared.
4) Can I request MBNA to contact CCL to inform them about my payment to MBNA?
I really hope someone has an answer for me. I have the money to pay CCL but I really need to know how this 3rd party company functions and how the remaining balance generated before making any payment.