This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Would it not be better to not give them the money in the first place? Can I not apply to the courts to have the charges cancelled or do I HAVE to be claiming money back that I've paid?

Sweet! I love it when folks take a little time and care over these letters. Calm and to the point. Show how much of a fool he is without actually calling him a fool. Nice1 =)

I've decided they can bugger off with the short payment (another statement with ONLY their £50 worth of charges on it landed this morning) I just finished with a letter saying I've paid up what I owe (plus interest) and all that's left on the account is your £675 (now) worth of charges. Waive 'em, close the account and have my credit file marked 'Paid in Full'. You have 7 days or it's going to court. grr.

As far as I'm aware, £10 was the guideline fee that they were all told to use. Don't worry, you're right.

Hello all, I was hoping to ask for some advice.. I’m a Mature student, coming to the end of my degree and I’ve managed to get together a bunch of money to sort out my credit cards (O, how I love my Mum!). My MBNA card is the worst offender, over its limit by a few hundred and accruing £50 per month in charges (plus interest). By my calculations there’s been £625 worth of ‘fees’ over the life of the card. I’ve got the money to pay the whole thing off and close the card down, so I called them to see if we could come to an agreement. They offered a ‘short payment’ that would wipe 20%, but would show on my credit rating. Not good enough, I think.. The 20% works out at £395. Now, I gave them the whole “these charges are punitive and therefore unenforceable” speech and he was having none of it, so I said I’d seek advice and get back to him. Is my best idea to pay the card off, leaving a balance of £625, and go for the court option? Thanks in advance for any advice =) Peace Sal