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Vanquis credit card charges

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I (stupidly) have a Vanquis credit card.

Had it for a few years and everything was fine although I am always close to my limit.


I do everything online and last month the access to my account was denied for some reason.


I know I wasn't over my card limit and I always watch this very closely to avoid charges.

This meant I couldn't make a payment online and they didn't send me a paper statement.


I've now received a paper statement for this month which shows that due to missing last months payment I am now over the limit.


As a result they charged me a late payment charge and an over limit charge totalling £24


. Can I just tell them I'm not paying the charges and ask them to recalculate my interest as I assume that will be higher (albeit by not much) because of the charges?


Thanks in advance for any advice.

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