Unhappy citizen

. I have a complaint against standard bank account. Two weeks ago I went to standard bank to get a stamp as for confirmation that I do not have a bank account with them. To my surprise I was informed that my account was never closed and it stands at a negative balance of R12 914.89 due to accumulated bank charges. In 2016 I app**** for a loan at standard bank and was advised that for my loan to be approved I need to open up an account and deposit a minimum of R3500.00 in the account of which I did.

I later received a response that my loan was declined and should try again after 3 months so I decide to use the money deposited into my account and close the account. But to my surprise the account is still open and I am now expected to pay the accumulated balance on the account.

I then requested Standard bank to close the account of which I was advised that ,that will not be possible until I pay up what is due to Standard bank. I cannot afford to keep the account open because it is busy accumulated bank charges. I was advised to rather make an arrangement to pay up or get blacklisted.

From where I stand, I will forever be indebted to standard bank. They are forcing me to keep an account that I have used and even worse an account I cannot afford to keep at my current financial status. I am expected to pay R600 plus towards the account or face legal action.

I have never used the account, I have closed the account and lost proof but believe that the fact that I have never used the account after spending my initial deposit should serve as proof that I believed that the account was closed.

This is a cry for help and would appreciate if you can assist in the matter.