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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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but they can be obstructive

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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