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MINT Credit Card - Defaulted with unfair charges

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i guys,


I have a default from Feb '06 with Mint for a credit card which has an unsettled balance of £1800. There were lots of late paymebnt charges put on, so I would like to reclaim those and get the default removed.


What is my best route? I am about to SAR them, but am confused about other steps.


Do I ask for a CCA (has anyone had succcess with them thorugh this method)?


And how do I go about reclaiming the unfair charges and thus getting the default removed (on the basis that the debt was unfair?)


Really looking for starting points here - any help much, much appreciated.




PS: found this - should I lead with it?



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