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loupy2005

Adams mastercard- help pls

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I have Adams mastercard. As a result of a late payment, charges and interest have been applied to my account taking me over the credit limit. I am now getting overlimit charges as a result. Creations have contacted me everyday about my account and I sent them the harassment letter but still getting the calls. Creation have said that as I have made a payment the a/c will be put on hold for a week,.

 

I have checked my credit file and it shows at the moment all is fine and I would like to keep it that way.

 

Any advice on what i should do next.

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Are you struggling to pay each month or was the late payment a 1 off ?

send a CCA and/or SAR

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i am struggling to pay as Im on benefit and was when I applied for the card I did tell the sales person at the time

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then as post 2 above, you need to CCA them, and then post here when you receive their reply.

SAR to get a breakdown of all the charges.

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I received a letter yesterday claiming their 1 call everyday was not harrassment and that telephone conversations are easier to resolve any problems etc. As a gesture of goodwill they have credit the charges on my a/c amounting 2 £120 and placed a hold on the a/c for a month.

 

what a suprise was not expecting that. I was alerted about my experian about recent activity only to find that on the same day they not updated the records according but have claimed 1 month late payment.

 

another letter to them i guess?

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