creation store card - catch 22

danbet

Hi guys

help/ideas needed to get this paid-
I now owe 356 quid on this store card, the credit limit is 260.
I am paying monthly payment on this but only around 20-30 as thats all i can pay, however they keep charging me overlimit charge 20 quid and everynow and then late payment charge 20quids.
they keep ringing me for extra payments but i cannot pay any as im really struggling at the moment.
ok does anyone have any suggestions to help me out?
i have cut the card up, is there any way i can ask them to like freeze the interest?
am i entitlled to claim back these 20 quid charges ( i reckon i have had 10+ this last 18 months?
thanks guys
:j

24_fan

I Got My Interest Frooze On My Cards By Going To The Citizen Advice

Lavendyr

Head over to the Debt-Free Wannabe forum and post up a Statement of Affairs - they are very good at helping folk see how they can cut back in other areas to be able to cut down debt more quickly.

You should also see the CAB and see if they can help you to get your interest on this card frozen.

chuckley

have u spoken to them regarding the situation?