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Studio 24 default charges

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I have had a studio 24 account for some time.

 

 

I am paying it off and have never missed a payment although there have been some late payments, usually no more than a day or 2.

 

I have had a statement saying £12.00 default sum.

I was a day late this month.

the last 'default' is on my credit report

 

Can I claim these charges back?

 

I have looked in the library as I thought I could use the bank charges template and adjust accordingly but I am finding it difficult to find

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yes

but they can be obstructive


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