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Reclaiming Store Card Charges

I am trying to reclaim some charges for a relative. Her Next statements show "Service Charge". In the Account Information on the back of the statements it says that - if full payment of the current balance has not been received by the due date shown an interest charge calculated every month at a maximum 2.014% ..... will be made on the opening balance on the next statement. Am I correct in thinking then that the charges are interest only, as there is no mention of late payment or any other charges? I so, I suppose there is no point in attempting any reclaim. Would appreciate some advice.
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