Not sure if I am in the right place, first time user! Anyway, does anyone know how I might stand right now. Last year I incurred two £12 charges for apparent late payment, they arrived on the same day. I paid up my account in full within a month minus the £24 and sent an email to say I didn't agree with charges, they replied that I had to. They have since been chasing me for this money plus a lot of interest. I did contact FOS who wrote to them on my behalf, they replied with an offer for me to pay just the £24 and I have replied that I still don't agree with it. What do you think?