Ok thank you so much 4 your advice, i will do that this week and also do you have any idea where i can get a template letter from 2 reply once i've recieved my statements?...i'm rubbish at doing letters, thanks again

would be most grateful of any answers please,

:?:Hi i'm new to all this and can't find where i make a new post. i just wanted to know if anyone could plz help me, i'm in a bit of money trouble at the minute and with three children need every penny i get. i'm currently paying off an ace account which is taking 4ever cause of there stupid charges i pay like 34 pound service charge each time also i have debts with empire and gratten so i would be so grateful if anyones know can i claim bk these services charges? even if i have dept with them it's just i could clear the depts if i had the charges back...where do i start? help