Forgotten Halifax Account

[majortarantino]

Hello, I hope someone can help me!

 

I received a letter today from Wescot Credit Services asking for £809.99 relating to a Halifax Current Account. Shocked doesn't quite cover my reaction...

 

I called them to discuss this and they were very nice,

I got very upset (recently had a baby, so i'm very emotional anyway!)

and they agreed to put it on hold while they got further evidence from Halifax.

I also called Halifax who said they couldn't do anything as it was out of their hands.

 

I had a Halifax account that was £470 overdrawn and in December 2010 i paid in £500 to clear the account.

 

At the time, I had moved house a few months before and had a royal mail re-direct in place.

 

It would appear that there was another month of overdraft charges, £34, left to come on the account the month after I had paid.

 

Unfortunately my £500 wasn't quite enough to cover the £470 and the final charge.

 

The charges continued without my knowledge and by the time the debt had reached the point where they wrote to me,

the mail re-direct had long since finished and I knew nothing about it.

 

Needless to say, with a newborn baby in the house, this was the last thing I needed!

 

I am amazed that £34 can become £800 in 2.5 years without me knowing anything was happening,

and I really don't just have £800 laying around to pay this off with.

 

I am writing to Halifax and Wescot explaining the above.

This was a genuine error and the fact I paid in £500 when I owed £470 shows, in my opinion, genuine intent to pay off the original debt.

 

If I had known there was still £34 to pay, I would have paid instantly. I am going to offer to pay the original £34.

 

Am I doing the right thing and can anyone offer any other advice or hope that I might reduce the amount?

 

Thanks for taking the time to read this.

[dx100uk]

they can levy what penalty charge they like

 

you are not legally obl to pay them though!

 

as for wetcloths..don't ever ring them

 

they are NOT A BAILIFF

 

they have NO SUCH LEGAL POWERS.

 

dx