HIP - Home Information Pack

I recently decided to market property through Halifax and was quoted three hundred and fifty quid for hips.

After lease supp and vat added has turned out to be actually four hundred and seventy one quid through a company called lms in Cheshire.

Is this expensive or what.

I agreed to deferred payment and was passed onto hip payment services basically a posh name for debt collectors.

I had to give them my bank details so they are free to go into my account whenever.

After 2 months I decided to change from Halifax to local agents as felt Halifax were too expensive.

Because of my actions told i had to pay three hundred and fourty seven pounds and 83 p in the next month.

Unbeknown to me i lost debit card so sent replacement which rendered original given to hip payment services invalid.

They sent me a threatening letter,I rang them and they told me to give them new card no which i did,they proceeded to take the money.

I have now recieved another letter from hip payment services informing me of thier mistake and that they will take the four hundred and seventy pounds in the next ten m,onths.

I feel utterly sick and peed off with the cost of this hips pack.

I have a copy of my own lease why the hell am i paying them fourty nine pounds plus vat for another one.

Can I avoid paying this extra,can i cancel bank details or will they take me to court.

Any help appreciated.

Thanks

Pk