I am currently in dispute with the Halifax credit card people over miss sold PPI which is now with the financial ombudsman. My outstanding is around 6k, I am responsible enough to appreciate that I must pay this back. Unfortunately the same cannot be said of them returning my PPI payments. They did however offer me a settlement of half the balance a couple of months ago, ironically a similar figure to what I would expect the PPI settlement to be. Halifax then decided to hand over the outstanding debt and I received a letter 2 days ago from the delightful Moorcroft Debt Recovery, with the usual ambiguously worded threats etc. .quite honestly until the PPI issue is resolved they can whistle Dixie. My real issue is that today I received a call from my old office stating that a man called Ben from MDR had called asking for me and left a number to ring him back. Ringing me at work, really! surely thats not on and in their letter they generously gave me 7 days to respond and this is day 2 am I being harassed here, it sure feels like it.