Letters from Moorcroft/Midascreditservices

Louis0891

Hi guys,


Just looking for some quick information regarding an old bank account and a small debt. Towards the end of last year I wanted to close my account with the Halifax, it was a reward account costing me £15.00 a month which was a waste really. Therefore, I contacted Halifax and asked about closing my account and repaying the remaining overdraft in installments.


I received a reply stating that they had closed my account and that they accepted my offer of repayment. However, a few weeks later I got a statement with a new monthly charge for the account. I contacted them again, but this time I never received a reply. The following month I then got another statement with a further £15.00 added on top of last month’s charge and a replacement card. Clearly they never closed my account.


Earlier this year I then received a letter from a group called Moorcroft Debt Recovery, but someone informed me that if I had an agreement with the bank and I’ve contacted them then I have no reason reply this company. Ignoring the letters, I then received another letter from another company called ‘midas credit services’ saying they are part of Moorcroft.


Am I obliged to deal with these people if I had an agreement with the bank, taking note they have failed to respond to any of my enquires? I never received any information from the bank informing of Moorecroft, only about the failure to pay my monthly charge for an account that was supposed to be closed. When I received this letter, I contacted them as I’ve already said.


I still have a copies of my letters and a copy of the letter where they agree to my offer of repayment. Also, I have kept the card showing that my account is still open despite the fact that it was supposed to be closed.


Any information would be greatly appreciated,


Thanks

MPH80

Did you keep paying your instalments?