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Please help advise me on halifax and egg credit cards plus a halifax overdraft

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Hi there,

 

I'm a newbie and I was wondering if anyone could help me because I am getting dizzy flipping through the threads lol.

 

I have just finished my Master's degree, but I have yet to find full time employment. I am still working my part time job and I earn roughly £600 per month.

 

The debts I have are:

 

1) £2700 credit card debt with Halifaxlink3.gif - I've had this card for about 3 years

2) £550 credit card debt with Egglink3.gif - I've had this card for about 2 years

3) £700 overdraftlink3.gif with halifax which I've only had for about 6 months.

 

I have closed both the credit card accounts, but I'm still being charged interest. I can only just about afford to pay £50 a month on each credit card account, but the interest is killing me. With egg, I get charged about £10 a month in interest which isn't too bad I guess, but with halifax, it's about £40 a month in interest. I feel as if I will never pay off these debts.

 

I used the halifax overdraft to pay off the remainder of my tuition fees, so they are charging me £1 a day. When halifax they take there charges, it sometimes pushes the balance over the agreed limit, so I then get charged £5 a day. I'm not sure if anything can be done with this account as I've only had the overdraft for about 6 months (although I've had the account for about 3 years)

 

Here is the advice I am seeking:

 

1) Is it possible to have the interest frozen on these accounts? If so, how would I go about doing this? Are there any templates I could use? And what addresses would I send them too? I actually did ask halifax (over the phone) if they could freeze the interest when I rung them to close the account. But they said the interest would be charged until I clear the debt.

 

2) Would I be able to claim back any of the charges made on the accounts? (ie, overlimit fee, interest and late fees)

 

3) Would me pursuing a freeze on the interest and claiming back charges affect my credit score in any way?

 

Sorry for the long post.

 

I hope you can help me.

 

Thanks in advance :-)

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