hi again
and thank you for everyone who replied....
so, let me tell u what happened..
I called MBNA and told them that i didn't think it was very fair to charge me interest on top of the 40euro tax.
I said that I have no problem paying the tax, as that is what I owe...
Seeing as though, back in October, I wasn't told that I would have to pay the tax, it was a bit much charging me interest+late fees.
Anyway, the lady I spoke to was very nice and helpful, she explained that due to the fact the account wasn't closed, i owe 40 euro government tax for this year!!!!
So, I just went through everything with her...and then she put me on hold for a few minutes, came back and told me that they would not charge me any interest or late fees and all I have to pay is the 40euro tax for the year 2003/4.....so then I hot-footed it around to the post office and paid the 40 quid!!!!
I have to say, i thought i was going to have a fight on my hands, but the lady I dealt with was very very nice and even gave me her name and told me to ask for her if I experienced any further problems.....
A happy ending me thinks