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Hi,

 

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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I hold a Vanquis card and went through a huge process to get my charges refunded, but if it is 2 charges and the first time it has happened a letter of complaint might be all that is needed to get a refund.

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