I had a credit card payment pending for a long time and eventually the Card company sold my account to an Asset Recovery Company. Once I was able to make the payment, I contacted the ARC and paid the amount in full. I received a letter from them stating that the "account will be closed provided he cheque clearing is successful". After couple of weeks, I started sending follow-up emails for the closure letter and no response.
After giving few months time, I checked my Credit report and this card loan was removed (in previous report it was listed). So I did not mind to follow-up further. After almost 2 years, I received a call from the Bank which has taken over the loan from the ARC and asking about the payments. I have given them the details and they did not call me back again.
Nevertheless, since this could potentially be an issue in future, I am following up now through multiple channels and got hold of the relationship manager responsible for my account. He is not at all cooperative in issuing the closure letter. He asked me to drop an email for which there is no response.
Is there any legal course of action that I can initiate on them?