Complaint Review: RBS Worldpay

I owned a bar/restaurant. RBS was the company that serviced my credit card terminal.  I signed a 60 day trial with RBS and then continued to use their services for the five years I was operating.  I opened April 2009 and closed October 2013.

I never signed any other agreement.  I never saw any other terms.  They never notified me or sent any communication regarding any renewal.

I notified RBS Worldpay that I was closing and no longer needed their services in July 2013. I never heard from them. After I closed and contacted them again to end my terminal, they said I could not discontinue their payments because my "contract" did not end until March of 2014.  Again, I did not have a contract with them and notified them 60 days in advance that I was closing.

I finally sent them a letter saying they are no longer authorized to take any funds out of my account in November 2013.  I decided to close my account at my bank because I just knew they would try anyway.  All of my vendors had been paid at that time so I could.  Sure enough, I received a letter from Worldpay sauing that I owed them a fee because when they tried to take a payment out of my account, there was no money in there.

I spoke and communicated with several representatives from Worldpay.  No one ever got back to me except to say that I owed them. They kept referring me to Centrury(which is the bank they used)  I tried to communicate with Century and no one could answer why they felt I owe anything to them except to keep saying I have a contract with them.  I faxed and emailed the only "contract" I ever signed and asked them to show me something that said I do owe them.  They never could or did.

They then sent me to collection agency.  That collection agency added a fee.  They were not able to collect because I told them and explained I do not owe.  I do not know what happened in house with my issue, but the next thing I know I get a call from yet another collection agency.  They then tacked on more fees.

I do not owe them and do not want my credit effected.  I have tried to negotiate with this last credit card company.  I was even thinking about paying something just to end this whole nightmare.  The amount is not large, but I do not feel I owe and feel that I should not pay anything.  I held up my end of the contract and then some.

I would love to get a class action suit going because I feel that they are doing this to many people and it does wear you down and I have a good credit rating and I really do not want it effected.

What can I do?  How do you get a class action suit started?