I have sent a letter to Halifax requesting that they refund my credit card charges relating to late payments. I have received a letter today which basically say's that i signed the origional agreement to these charges when i opened my account. The letter also mentions that they have now lowered the charges since the OFT's ruling therefore admitting that they have previously overcharged customers. They will not be offering a refund.
What do i need to do? Is there a letter i need to send? and if so can someone send me the link please.
Thanks for all your help!!