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Weird bahaviour by Halifax


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Hi,

 

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 for £217 overpayment.

 

Now August 2012 Moorcroft debt **** are claiming the full £2100 as due.

 

Seems very bizarre to me.

 

Would the £217 be illegal lending if they are claiming it as part of the debt?

 

Is the best bet with this a complaint based on the banking code 'Levying charges upon charges'

 

Surely you can't close an account with no notice at all send a customer £217 and then set the debt collectors on them for a balance ignoring a previous refund.

 

Thanks

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