I paid off my Halifax mortgage in March 2013, I did it over a phone in the Kirkgate branch, Bradford. I owed £1.97, which the man waived.

I recently got a statement saying I owed over £100.

I have just spent 10 minutes, and £3, calling a 0845 number to be told they would close the account NOW and waive the fee. No apology, nothing, but a promise of a letter in 5 working days.

The imaginary non-payment does not appear on my credit rating, but neither does the fact that I have paid of my mortgage, if it had it would have improved my score. It might also explain the behaviour of a potential mortgage lender, owned by the Halifax.

I am wondering if it is worth writing to complain, and asking for compensation.