i have a halifax credit card i have paid alot of late payment charges on this account 12 pounds everytime (late payment fees, etc i do not have ppi).
i also have a few catalogue accounts aswell (kandco, very, gratten) which late fees have been added too.
i would like to know if i could claim any charges back on any accounts.
i have sent SAR to all companies so far......
i wasnt sure what to expect and what to do next, am i right in thinking i can claim these back?,
i am trying to claim the charges back as it would help me pay the credit card off as i still owe on it
and it is becoming difficult making monthly payments and the balance is still hardly reducing...
i understand that many companies do not give out as the 12 pounds is legal (i think) , but i read the following statement : -
Charges after June 2006.
For any charges on or after June 2006, if you were probably hit for £12 each time.
As this is already set to the OFT-recommended amount, you simply need to ask for the full £12 amount to be refunded
i would greatly appriciate if anyone would be able to give me advice on what to do and expect next, thankyou....