thanks again, you have been a great help!

thanks so much for your help, i really appreciate it

sorry i am a bit confused about it! i have all my very statements online from july last year, any charges according to them have been £12 for a debt collection letter and a further £12 for an insufficient minimum payment. do i need to SAR if i have these details available or do i just have to write to them asking for them to repay these charges? i have checked the statements available online (from 16th july 2011) and they have charged me £240 in that period, so will be much more than that as this has been ongoing from around december 2010

thanks for your advice. how would i go about reclaiming charges? they claim them for insufficient oayment amounts and late payments and also whack on loads of interest!

i had an account with very and due to their extortionate interest rates i got behind on my payments and they added £12 late payments aswell as insuccient payment charges and interest. they then transferred my account to NDR, they too hit me with all the default payments despite me trying my best to pay. they sent me a letter recently saying i would have to pay a sum of £29.06 every month and if i did not it would break an agreement and they could take me to court, etc. I am banking with ulster bank at the minute and have no access to funds in my account and they are due a payment in a few days. i am terrified of not paying it and getting into even more financial trouble.... can anyone help me? i just don't know what to do!