Day light *******

To whom it may concern, I am writing to formally raise a dispute regarding the summons issued on my active account, and the subsequent addition of legal fees to my credit card account. I find this conduct deeply concerning and unacceptable. Issuing a summons on an active account and then unilaterally transferring or adding legal fees to a separate credit facility is not only questionable, but appears to be procedurally improper. I was not adequately consulted nor did I consent to these charges. This conduct places me in a position of unjust and perpetual indebtedness, which I will not accept. I regard this as unfair, unreasonable, and potentially ********. Should this matter not be addressed and rectified as a matter of urgency, I will have no hesitation in escalating it to the Banking Ombudsman for further investigation. I am fully aware of my rights as a consumer and will not be coerced or intimidated into accepting practices that are prejudicial and discriminatory. I expect a written explanation and a full breakdown of how and why these legal fees were app****, as well as immediate corrective action.