Hey All,
Im new here so excuse me if this sort of question has been answered somewhere else.
I have (or I suppose you could say had!) a credit card with Alliance and Leicester, that is run by MBNA. Credit limit of £700. Unfortunately I went over this limit and was obviously charged. At the time I was struggling with other debts and being charged fees left-right and centre.
Anyway, I made the odd payment on the card in an attempt to reduce the balance but was still getting charged Late payment / No payment fees and god knows what else! The balance on this account is now approximately £1500, due to all the charges I have incurred, and I have paid approximately £300 over the past year towards the account in an attempt to get it paid off, but due to the charges, have been unable to do so and the account has been sent to an external debt collector and a default has been registered against my name.
Firstly I just want to know if Im able to try and claim back these charges, which have effectively caused me to default on the account.
Secondly, is it still possible now the debt has gone to an external collector, and the balance has been finalised. MBNA say that nothing can be done about it now because they have sold the debt to the collectors and I should lease with them. The collectors tell me exactly the opposite!
Really dont know what to do, or where I stand, as it seems mighty unfair to me!
Any help would be appreciated
A&L / MBNA credit card! 
