Hi I used have a Halifax credit card over a year ago. I changed to PTSB and transferred the balance. I _thought_ the old card had been closed down as part of the changeover. The next I knew was a bill in the post a while back looking for 30 euro. Then they kept sending the bill and it kept getting bigger with interest and charges. I rang up to query and they said the account was still open because I had never sent a letter to close it (even though there were no transactions since August last year) and that I owed the 30 euro as goverment stamp duty. I asked if I could now close the account and they said I could but I would have to pay another 30 euro (so 60 in total) to do that as another year's stamp duty would be payable. Is this right? Do I have to give them 60 euro? Is there a way I can only pay the stamp duty once, i.e. I have also paid to PTSB this year, what are my rights here? Thanks in advance.