Hi, I hope I posted this in the right forum. I recently signed up for the Viabuy prepaid MasterCard in order to be able to handle my online money transfers easily. When I signed up and sent a copy of my ID, they stated that I must load 90€ in order to activate card. Even before I paid this amount of money, they sent the card to my address. However, before I received the card, I decided to use another MasterCard provider. So I never paid this 90€ to Viabuy. After a month, they started to send me emails that I have to pay them 90€ or they will hand my case over to the debt collector agency. Here is what they wrote: Please now comply with your part of the agreement and load your account with a minimum of EUR 90.00 before (date deleted). Otherwise we will have to hand over your case to a debt collection agency without further notice. Of course we wish to avoid such action, therefore please load your account now. I can't terminate my account without paying anymore, because I found out that there is a clause in their Terms and Conditions, stating that you can withdraw from the contract without paying only in the first 14 days. Did anybody have a similar experience? Are these debt collector threats a real deal? What do you guys think I should do, pay the 90€ now, or wait and see what happens?