Shameful business practices when trying to close an account

I helped my sister to settle the outstanding debt on her Makro account (to avoid the cumulative financial impact of all the shameful monthly fees loaded on to the account), and asked her to close the account. Here is where the Makro response shows up it's 'apparent' exploitative nature (to me it's obvious) ... first they say they can't close the account until it's reconciled (ha, ha), then they say there is a '35 day cooling off period' (huh?), then they say that there is a credit amount on the account that has to be paid back before the account can be closed (but don't respond to any communications about this so-called credit) and then they tell you that while the account is still open (despite an instruction to close it) they will be charging a monthly fee to maintain the account. At the same time, they continue to bombard my sister with special offers to continue to buy things, knowing full well that she can't afford it. Simply disgraceful and ********* business practice. Stay away from Makro at all costs!