charming if banks aka businesses refund their charges when challenged what's the point of this forum?? Anyway help someone and get personal attacks back..

Ok yeah thanks for that. You ate aware OFT and Consumer Credit Directive has only recently changed? Things ate more clearly explained like Charging Orders taken funds from accounts held with that bank etc and relevant charges have been passed through this new comsumer policy. I'm not here at Midnight to teach that I'm simply replying to a question on this thread if no one likes it simply tough but if if can give more clarity to the OP then great

Ok. When people apply for a credit card and when they are lucky to be successful and are accepted they are happy to sign and agree to the conditions of the account and what will happen if the account is anyway late or over limit.. It clearly displays on terms and conditions that if you are over limit. charges/intrest etc this is what will happen. For an example... Late Fee- £ 12. It doesn't say £1 per £1 over limit etc. They are the charges and other subjects that are part of the account, it's frustrating that people are happy to accept these terms when they want to, but then when these charges are applied no matter how much is charged or over limit occurred people are then disputing. I'm not being rude, but at the end of the day you were happy ro accept these conditions. It's simple as that why complicate life?

Yes ignore my message... Like I said was she Late/Overlimit with the payments? If so there is a fee occured that is part of the credit card terms and conditions agreement both in the condoitions and the consumer credit directive where fees and any other late/ missing payment is occured. The thing about sites like this is everyone is an expert of nothing. that's my reply sorry if people don't like it

Well, was she late paying the bill? If she was then that's why Mrs P has those charges. If she hasen't been late, then give them a call and explain- simples.

Sorry But this thread made me laugh. So I'll confirm this. So you've used the Card that you been accepted for, agreed to the Terms of the card by signing the agreement two years ago, been over limit which in all fairness is not the banks fault and now you want to reclaim back the charges? It's a bit like going into Currys and saying I want this TV but don't want to pay for it. A Bank is still a business wherever we like it or not, and these are legitimate charges, where APR is variable and being in arrears on your account will see relevant charges applied. Sorry

Don't understand what the issue is here.. Called Halifax ( not " the Halifax) the other day for my credit card and got through in prob less than 2 minutes. Just chose the relevent options. So this thread is a bit of a puzzle. What I have learnt though is that there is 30 million customers with that bank, half the population of this country, so even if 1% of their customer base called that's a figure which is still un real to be honest, so it's physically imposssible for calls to be answerd straight away. I suppose I'm lucky, dunno