Just wandered what your thoughts on this are.
Have been in dispute with Halifax for ages.
They imposed a £90 charge in July 2007 and this spiraled into bank charges totaling £2100. They never explained this charge despite numerous letters. These charges clearly affected my ability to pay off other Halifax products forcing me into default.
Went through debt management with cccs and stopped paqing around April 2010.
They 'gesture of goodwill' refunded £400 in May 2012 because of my financial circumstances.
They closed the account June 2012 and sent me a cheque