Late charges

Zeze_2

im not sure if this is the right place. basically i have a halifax credit card i have paid alot of late payment charges on this account 12 pounds everytime (late payment fees, etc). i also have a few catalogue accounts aswell (kandco, very, gratten) which late fees have been added too. i would like to claim all the charghes back? i have wrote a SAR for the accounts and have sent the letters.

i wasnt sure what to expect and what to do next, am i right in thinking i can claim these back?, i am trying to claim the charges back as it would help me pay the credit card off as i still owe 1300+ on it and would like to get this out of the way, as it is becoming difficult making monthly payments and the balance is still not reducing (as interest still gets added on each month).

i would greatly appriciate if anyone would be able to give me advice on what to do and expect next, thankyou....

Wywth

Zeze wrote: »

im not sure if this is the right place. basically i have a halifax credit card i have paid alot of late payment charges on this account 12 pounds everytime (late payment fees, etc). i also have a few catalogue accounts aswell (kandco, very, gratten) which late fees have been added too. i would like to claim all the charghes back? i have wrote a SAR for the accounts and have sent the letters.

i wasnt sure what to expect and what to do next, am i right in thinking i can claim these back?, i am trying to claim the charges back as it would help me pay the credit card off as i still owe 1300+ on it and would like to get this out of the way, as it is becoming difficult making monthly payments and the balance is still not reducing (as interest still gets added on each month).

i would greatly appriciate if anyone would be able to give me advice on what to do and expect next, thankyou....

This great MSE article explains almost everything
http://www.moneysavingexpert.com/reclaim/credit-card-charges

Post again if there is something that still puzzles you