Penalised for having credit

<p>Purchase and payment done during December 2016 = Closing balance R0. </p> <p>Bought items from Queenspark - returned faulty merchandise 14 days later and was promply credited on my account. Credit balance on my account R450 (which QueenPark owed me). 6 Months later receipt a call from the RCS debit collection services to inform me that my account is now in arrears. Hours spend on phone calls later I was informed by RCS debit collectors that there has been an admin fee deducted from my account for the past 6 months. I was never informed at any stage by any one, nor have I received statements, to inform me that an admin fee would be deducted on a positive balance. To add insult to injury after spending hours on calls to rectify the situation I was told that I would be billed by RCS for the calls.</p> <p>3/8/2017 (18h00) Spoke to RCS representative and demanded my statements for the last 6 months . As confirm by the representative and the statement my closing balance for this account was now R148.95 - </p> <p>3/8/2017 (17h00) Phone back to confirm the closing balance with another repressentative from RCS to make the payment and close this account upon which I was informed that the closing balance is not R148,95 anylonger but R176,18.</p> <p>HOW CAN THIS BE LEGAL? I WILL BE REPORTING THIS MATTER TO THE OMBUDSMAN FOR FINANCIAL SERVICES.</p> <p>Have send a request via email to RCS demanding a proof that my account has been settled and close and is no long active. </p> <p> </p>