Strange enough they advised that if my account closes with a negative balance, I will not owe them anything. So, after closing my account with a negative balance I never heard from them again.
Your reply is highly appreciated and it gave me some hopes because right now I feel really shameful and pitied myself for putting my family in this trouble. I have invested a lot of money that i loaned over 100k. When did you request your credit card for charge back? Is it after the account closed? And what did you reasoned with them . I'm from Australia and I don't know if I can be successful with that. I'm sorry to asked many questions but I'm already not thinking properly and living in misery it is a very awful experience and I'm almost losing my family and I can't handle that if it happens.