This may have been covered elsewhere. If so I apologise. A well known high street bank has charged me nearly £3,500 interest over the past few years on a credit card at rates of up to 29.9% APR. Firstly, I thought this rate was reserved for the store card thieves. Secondly, The high street bank has defaulted me on a credit card debt of approximately £2,800. I contacted the collection agent appointed by the bank (oops the bank's internal collection agent!) to say that the only reason for the current balance on the account was because of the unreasonable interest charges. So as not to paint an unfair position I will admit that I sent a rather cheeky response to suggest that the whole £3,500 interest should be waived. This was designed to initiate some kind of dialogue (rightly or wrongly) where a compromise could be agreed. Here is a precis of the collection agent's response: "As you are aware, the test case has now concluded with the Supreme Court ruling in favour of the Banks. (The Bank) will not be refunding the charges." Maybe I'm wrong but I thought that the 'test case' concerned bank charges such as overdraft fees, unpaid transaction fees, etc. I am not sure it extended to interest charges. Any thoughts?

MMF are trying to contact me by text message. Last week I received the same text message 17 times in the space of about 2 hours saying it was imperative that I contact them. Unfortunately I have already deleted the messages so cannot forward them to you. These clowns also frequently leave prerecorded voicemail messages on my work telephone number (which is not private) saying they are trying to contact me and unless I respond they will turn up at my house unannounced. Mike and Shane seem to love the sound of their own voices! I can live with the text messages to my mobile - water off a duck's back. The messages on my work number, however, are really becoming a problem. Brig what next please?