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  1. Need an opinion on this is anyone has any ideas or should I just SAR them? I had a Halifax Credit Card from 1997, included in my bankruptcy Oct 2010. Tidying up my credit history I came across this that puzzled me. The credit cards showing movement on the balance. When I look at the balance history in September 2010 shows £4,210. In Oct 2010 £4,030. Between Oct 2010 to Aug 2012 the monthly balance gradually decreases to £3,455. (Looks as thought payments are being made, I haven't made any). Then between Sept 2012 to Mar 2013 the balance starts increasing in gradual steps to £3,926. Why would this happen? Thanks
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