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Hi lucyec many thanks for the reply and best wishes. I'm in the process of moving atm so will start the procces once I've settled as I believe these things can take a bit of time. I must admit though I do tend to waffle at times and don't make much sense so was thinking that maybe my post was a little confusing lol

I'm guessing my post didn't make any sense Anyway I realise why I was charged interest, don't know why I even questioned that in the first place Well after reading through many of the great post's on this board I have come to the conclusion that I can claim back the £20 late fee and all the other late charges they added on previously. I'm going to try and claim these charges back. Wish me luck

Hi all, On Feb 15th 2006 I paid my Tesco personal finance card in full well before the day it was due and next month to my surprise I then received a statement requesting £1.03 interest, surely I didn't owe this did I? Anyway they wanted the payment by 22nd March. I made a payment of £25 on the 23rd through my online banking to come out immediately (I paid £25 as I had used my card to pay my car insurance on the 28th of Feb and thought I would pay a little extra before my next statement) I have received a new statement this morning without the payment showing and they have also added a £20 late fee. I have phoned Tesco customer services and they have confirmed they received my payment on the 27th, I did ask them if they could waive the £20 fee but they refused. My questions are: where did they find this interest of £1.03 when I had paid the card up in full? How do they warrant a £20 fine on a supposed late payment? Can I claim the £20 back and dispute the £1.03 interest? Any help or advice would be greatly appreciated. Many thanks Vicki