Iqor man at the door!!

Hello, in March last year I applied for a credit card via Amazon/Halifax, reason being was for convienience in making purchases from Amazon UK there was also a £15 Amazon voucher, all was well until my 3rd bill came and there was a £12 charge for no payment received, I knew nothing of this until my bill arrived, then next day a letter advising me and another charge,forget what it was,i dont have paperwork in front of me,, the 1st 2 payments were with personal cheque, I rang Halifax and explained a payment of £156.96 was made via bank transfer and to my astonishment they said this didnt count, girl I was talking to said charge stands as per the terms of my agreement, No matter how much I asked her to explain it I made no headway with her. I wrote a letter to Halifax explaining I had made a payment 10 time my minimum payment but no joy, a reply came within 48 hours requesting balance in full and that was that, I wrote another letter to Halifax asking them to look at my account again and complaining about the way I had been treated and I have had no reply to that as yet 15 months later..............I started receiving phone calls at all hours, sometimes people wee on the other end sometimes just a dead line, these calls were at a rate of 30 a day sometimes and at all hours, from 3am in the morning to 6am on Sundays in the end I changed my number and went ex directory. I still tried ringing the Halifax and I got through to a "Gordon" I went through the facts and he seen exactly what I had been telling them along, he said payment I transferred via bank transfer was viable and charges were wrong to have been charged, he immediatly refunded the charges that had built up and I thanked him for spotting the obvious and I asked him if he could sort this and let things get back to normal, he stated that was a matter for customer services department but I asked him to record details of my call and what actions he had taken and why he refunded the charges. In the meantime I applied for my yearly credit report, Halifax had listed me, this before they had replied to my letter(still awaiting reply) so I rang them explained this to them and they said it was no longer being dealt with by them. Letters started coming from Iqor, and each time one arrived I rang them and explained the circumstances of this debt and the fact it was in my opinion still an open case with Halifax, they didnt seem to care and by this stage neither did I, they were not interested in my open complaint they just persued me for the outstanding balance, I by this time had proof of illicit charges sent in a bill by Halifax clearly showing refunded charges I explained this to Iqor but nothing changed, I even offered to fax them a copy of the bill, they said they already had it but it made no difference, I just asked that they take me to court for Id rather let a judge see the way I have been dealt with and how this mess arose, more letters came and I rang them everytime but same old spiel, I got a letter offering a discount on the outstanding balance and I rang them, theyd knocked £60 quid of and I enquired about the open complaint, nothing to do with them, I then said I am talking to the wrong people then. Overtime more letters and I rang everytime, then last Saturday a Man from Iqor appeared at my door....1st time in 15 months........I answered, kept him outside while I went and got my "letter pack" I told him all about this and he seemed a little surprised when he seen this matter related to May 07, I showed him copies of my complaints and proof of postage,told him id contacted Iqor everytime a letter had came ,, Im wondering what happens now, I told him of my desire for it to be taken to court for I am not paying anything until the matter has been dealt with, my credit rating is in tatters, I was hounded on the phone and all because the Halifax made an error, he took details and away he went, so what happens now? court? generous reduction in debt? browsing around the web I see Iqor can be tough but it doesnt wash with me. Point of principle in my book and im sitting tight, anyone any advice. thank you Stephen