📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Late fees

I have a santander credit card and fell into some financial difficulty due to losing my job last year. Now at minute due to another issue i cannot make the minimum payment but i am making payments before the due date but they are still putting charges on my account for late payment. Should i be claiming these charges back as technically they are not late? Can anyone help??

Comments

  • if you arent paying the full payment on time then they see it as you payin late,nothing to stop you paying 2 payments before the due date to avoid late payment charges,as for claiming back then i doubt it
  • Are you making the minimum payments if not, then yes it will be a legitimate late payment fee.
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    If you have failed to meet the contractual minimum payment you can call their collections team, explain your situation, and they should agree a reduced payment plan atop reduced / frozen interest whilst you are suffering financial hardship.

    This will affect your credit rating but it will also enable you to clear the debt in a more manageable and cheaper manner.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.