Poor Service

<p>Paid up and phoned to closed down my credit card account about 3 months ago. Had to call 3 more times since the account is STILL not closed and service fees are stil going off from the account. Have to spend at least half a hour on my own cost on the phone each time. There is a amount that should be paid back to me. That amount is getting less every month because of the service fees. Even went into the brance the last time with a promise that the money will be transfered within 5 workdays... it is almost another month later and it is still not done. I have a ref numeber (87053) but refuse to spend another half an hour on my cellphone to talk to someone with empty promises. </p>