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Late fees

Liammac
Posts: 3 Newbie
in Credit cards
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??
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Comments
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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 it0
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Are you making the minimum payments if not, then yes it will be a legitimate late payment fee.0
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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
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