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HFC - Pc World Credit

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Hi, I purchased a new PC from PC World in 2004 and the credit was supplied by HFC.


I remember being late by a few days for a couple of the payments and charges of around £15 were made.


Ive read a few threads on here where HFC had advised you cant claim the money back as they dont fall within the remit of the OFT.


Just a couple of questions before I send my SAR off:


1) Can I claim these back like bank charges?

2) If i can claim them back, are they treated like bank charges or credit card charges? (If it gets to the court stage, will it be allowed like credit card charges or are they put on hold like the current bank charges?)


Many thanks :)

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