Halifax credit card

[dynamixx]

I'm trying to reclaim my excess charges at the moment on my old Halifax card that I closed in 2007, and after sending them an outline of all the charges and asking for them to be refunded, I was suprised to have an almost instant response offering for the £224 total to be refunded, but on closer inspection I want to make sure this isn't too good to be true.

 

The letter I received states

 

Thank you for your recent complaint about charges to your credit card account. I am sorry you are unhappy, but I am pleased to be able to help. I am delighted to offer you a payment of £224.00. Whilst not agreeing with the analysis of default fees in the Office of Fair Trading's statement in April 2006 blah blah blah

 

It goes on to say

Following my investigation of your complaint I am satisfied that the charges have been correctly applied to your account. Therefore I am sorry to advise you I am declining your complaint. However, my gesture of £224.00 is a gesture of goodwill, and without admission of liability, to resolve your complaint. To accept my offer, in full and final settlement, simply fill in the enclosed form and send it back to me in the pre-paid envelope. Please note if there is an outstanding balance on the account, any payment made will be credited to account. No other method of payment will be issued.

 

The enclosed form asks me for my signature under this statement, also stating just above the signature box "pay the money to Credit Card 4049 xxxx xxxx xxxx".

 

This is the part that I am slightly concerned about. As my card was cancelled some time ago, there is no way the payment could be credited to the account. When it says "no other method of payment will be issued", does that mean that they wouldn't send me a cheque for the amount if my account is closed? Is it possible they would only be willing to offer credit on an existing active balance?

 

I am a bit wary of sending off my signature underneath this statement, so any input appreciated. Does anyone have any experience of reclaiming credit card charges on a closed Halifax account?

[sea-sidelady]

The account is closed so they HAVE to send you a cheque.

 

Phone them tomorrow to inform them.