Charging fees without consent

<p>In May 2016 I settled my Markham account to full, being a customer for years I left the account open for when I would need it again. </p> <p>March 2017 I received a sms stating that I am behind and that I would be handed over. I immidiately contacted their customer support to query this amount where I was told that it was for insurance, I asked them who decided that I needed insurance on this account and they responded that they would cancel the insurance (in any case you cannot insure an account of a null balance) and rectify the amounts.</p> <p>June I received an email again stating that I am behind and that I will be handed over, once again I emailed their customer support, I received the below email:</p> <p> </p> <p>"</p> <p>Thank you for contacting us with reference to account number **********.</p> <p>We apologise for any delay in response.</p> <p>Please be advised that you did not cancel your insurance policies after the payment you made in May 2016.</p> <p>Your policies were cancelled during March 2017, when we were contacted for the cancellation.</p> <p>At the time the cancellation was processed, a balance had already accumulated on the account.</p> <p>We have attached statements as reference.</p> <p>We are currently unable to close the account as the balance needs to be settled."</p> <p> </p> <p>This has completely made me lost all faith in Markhams, and will be closing this account, this is beyond pathetic. I will advise no one to ever open an account here. </p>