I will do that, thank you for your time and help Ims21 and to everyone else that has helped Really appreciate it. Will post back when I get a Response. Thanks again.

I will still be checking but I don't think there was separate charges. *I will be sending the letters off shortly and I'm just concerned what to do if the Halifax Turn up at my door (if my letters haven't reached them in time). *

I don't think I had Ppi. (not 100%). Is there a way Of checking. Don't think there was sign of any Ppi stated on my monthly statements.

Many many thanks for your time and for help In this matter. I didn't send the letter to the Halifax Recorded delivery ( I realised after I should ) I will be sending letters off and will be keeping A record of everything now. The only reason this has happened was a) I was struggling with payments and b) I was told In a phonecall from a debt company that they Can get it scrapped and I should ask for my Credit agreement. Me being gullible as usual Did this and thought that would be it.

Just after advice regarding my Halifax gold credit card Have had it since about 2001 and got into difficulties paying it. I wasn't over my limit just under. I was advised By Halifax to miss a payment and that would then go over my limit and then collections could help me. Collections phoned me and reduced the interest but they took half of what I proposed to pay a month I asked them twice in January for my original credit Agreement by phone and wrote asking for it but Had no reply. I have now recieved 2 letters 6 months later 1 saying I need to make a payment of £600 for interest And 1 letter saying someone from the Halifax is Coming to my house on the 1st of aug. Really appreciate some advice. Many thanks in advance.

Just saying hi. New to this site and had a quick look and It is fantastic. Hope you can help me when I post a question. Can't believe the advice and help given.