Bank charges on closed account

I had a savings account with standard bank. on 4 occasions my card was disabled incorrectly as ******. I got tired of being in situations where I cant pay because they keep on disabling my card and then i have to go and get a new card and pay for the new card even though the bank made the mistake. eventually in june 2014 I moved all my debit orders and salary over to FNB. i phoned the call centre and told them to close the account. <br> <br> I figured I am now done with the incompetence and is very happy with FNB. For the last 3 months i have been receiving calls from Daly lawyers icw an outstanding amount on my account. this was a savings account and it was not supposed to go into the negative. As it turns out you never closed my account and now you expect me to pay the bank charges that you added on my account that you failed to close. <br> <br> You did not close the account and you can therefore pay the bank charges yourself. I suggest you write the money off as you are not getting one more cent from me for your incompetence.