Hi new to all of this but have managed (eventually!!!) to get a statement from Clydesdale, i have defaulted in the past and have now arranged a regular payment amount. I am unsure whether i can claim back my charges (in excess of £1000) and how i work out which charges i can claim, most of them are for late payment letters, sometimes two a month. i have been paying for 6 years, my initial spend was £445 and i have paid back over £1500. ANy help with how to work this lot out would be most appreciated.