I'll second Halifax's request.
What bothered me, along with the obvious outrageous cost to contact you, was that they contacted your mortgage compnay.
What was thier reason for that. What business is it of thiers to make that contact?
Seemed they decided to be aggressive from the start rather than assuming a valued customer may have made a small error. Seems a management style that might respect some righteous indignation on your part, and back down.
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