I've been looking through this forum for a while now and I'm still really confused as to what mode of action I should take first.
I have a credit card with halifax on which I owe about £2650. I can only afford to pay £70 a month. The interest they charge is roughly £42 a month. So I'm not getting far with repaying them.
I'm not sure what steps to take in asking for
1. A refund on the interest and charges
2. A freeze on the interest they currently charge.
So do I send them a Sar, Iba or just a letter asking them to freeze the interest?
Please . If someo