£1245.25 on my last statement - but even after all of the letters sent from theh templates on here, my latest statement still shows that they have charged me £25 late payment fee and £25 overlimit fee

I am new to this forum and have been posting questions on Moneysaving expert - i am confused about something and the replies i have had on there have been contradictory but have not cleared it up. I had a Halifax One Card - it is now cancelled and i am dealing with Payplan for all of my debts. After my initial letters they agreed to a refund of half the charges in the form of a cheque or debit to my bank account. I sent a copy of the Court form and gave a new deadline and the day after this expired the sent the offer of a full refund of £375 but onto the card i no longer have access to. I completed their form and sent a letter stating that i accepted on the condition that they send a cheque or sent it to my bank account. I heard nothing for 2 weeks so i sent another letter stating that i would take legal action if they do not reply. I received a reply today saying that they will only refund to the CC as this is where the charge originated. Can they do this? If the money is legally mine due to the charge being unlawful arent i entitled to it in whatever form i wish? I don't know what to do next and am considering giving up on all of the other accounts i was going to claim from as well.

I am new to this forum and have been posting questions on Moneysaving expert - i am confused about something and the replies i have had on there have been contradictory but have not cleared it up. I had a Halifax One Card - it is now cancelled and i am dealing with Payplan for all of my debts. After my initial letters they agreed to a refund of half the charges in the form of a cheque or debit to my bank account. I sent a copy of the Court form and gave a new deadline and the day after this expired the sent the offer of a full refund of £375 but onto the card i no longer have access to. I completed their form and sent a letter stating that i accepted on the condition that they send a cheque or sent it to my bank account. I heard nothing for 2 weeks so i sent another letter stating that i would take legal action if they do not reply. I received a reply today saying that they will only refund to the CC as this is where the charge originated. Can they do this? If the money is legally mine due to the charge being unlawful arent i entitled to it in whatever form i wish? I don't know what to do next and am considering giving up on all of the other accounts i was going to claim from as well.