Charges for a credit that I never accepted

<p>In 2003 when Discovery Card first paired their rewards programme with Woolworths, I thought it would be a great idea to take advantage of this benefit and get a card in my wife's name.</p> <p>I app**** for a card in her name, was approved and a courier delivered a card in my name several days later.</p> <p>I told the courier that there must be a mistake, I had specifically requested that the card be in my wife's name.</p> <p>He said that I could apply for a second card in her name, but would have to pay the annual charges on both cards. I found this unacceptable and sent him packing without accepting delivery of this card.</p> <p>13 years later, in March of this year I started receiving email statements from them, detailing outstanding monthly transaction fees and interest penalties.</p> <p>I contacted them immediatelly complaining that I had never accepted their card and to please close the account with no charges. They sent me an account closure form with the following fine print</p> <p>"I___________________, hereby instruct Discovery Card to close my account.</p> <p>I declare the decision to close my account is both voluntary and free and that I fully understand the content of this form. I understand that all</p> <p>DiscoveryMotor Cards and secondary cards, will also close by this instructi on. I understand that my Apple Watch benefi t that forms part of the</p> <p>Vitality Acti ve Rewards benefi t will also end, and that any outstanding balances will be charged to my Discovery Card on closure of the account.</p> <p>I agree to destroy the physical credit card as well as the DiscoveryMotor Cards and secondary cards, and accept that Discovery Card will hold me</p> <p>personally responsible for transacti ons made before and aft er the account has been closed.</p> <p>I confi rm that the credit balance on my Discovery Card account will be transferred into the account which details have been stated above if</p> <p>applicable, and I will not hold Discovery Card responsible for any incorrect banking details that I may supply.</p> <p>I further accept that I will be opted out of the Discovery Miles, Health Wallet and integrated products with immediate eff ect.</p> <p>I acknowledge that the account will close only if there is full settlement."</p> <p>An agent phoned me, and I said that I wasn't prepared to sign the document which would acknowledge that I owed them money. She said that the accounts department would waive any fees if it was found that i had never transacted on the account. I asked for that in writing.</p> <p>I'm still waiting. </p>