Halifax credit card

edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
4 replies 752 views
spangles39spangles39 Forumite
64 Posts
Hi,

Not sure if in right place and scoured the forums but cant seem to find answer...so here goes, hoping someone can advise.

I have a halifax credit card, after being made redundant in July have struggled and havent been able to pay. Finally facing up to situation and have contacted payplan who are going to help me sort myself out. Looking at my halifax credit card....i have overlimit fees of £12 a pop, and late payment fees of £12 a pop. I also have repayment protection which is adding £12 - £15 a month. This card has now been passed to collection agency. Even though I have seriously defaulted......can i still claim the charges back? Or am i being cheeky?

I also have a littlewoods account with similar situation.

Any thoughts would be appreciated. Thank you

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