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creditcard late payment overdue fees


tanya101
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I have a natwest Credit card that came with my student bank account.

 

 

I was paying it regularly but

 

 

then had problems with paying it.

 

 

I never went over the credit limit and kept the bank aware of everything at every stage.

 

Ive had a look at some old statements and i've received at least 6 late payment fees of £12

but i definitely remember there being more than this.

 

 

Is there anything I can do about these?

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yes if they are within 6yrs its easy

outside

it might involve court.

 

 

look at no.3. below.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

thanks for your help.

 

 

just checking as i want to do it all right..

 

 

.i dont have every letter theyve ever sent me regarding charges

but i know ive had them many many times.

 

 

Im not over my credit limit and

 

 

i think the charges would come to at least half of the outstanding debt which i now have a default on my credit file for.

 

Can i just send them the letter from the bank charge library first thing before doing anything else?

 

Thanks!

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if you've not got all the statements..sar time first

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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1st DO a full subject access request

 

2nd read my thread for clues

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?423796-SabreSheep-Vs-Natwest-Moorcroft

 

and barclays thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?423713-Barclaycard-Link

 

My Barclays is now concluded to a degree im happy with. Natwest is ongoing, I have a mediation appointment NOV 3rd.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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