Okay, thanks So start off with a SAR form right? I know theres been a couple of hundred on each account for charges, but I havent got all my statements here.

So is it worth trying to get all those charges refunded that I've had over the years? Since October they haven't put on anymore charges as its been passed to Lowell. At the moment, I've sent an email to Lowell stating that I am only able to pay £10 pounds off each account pcm.

Thanks very much for the reply Off the top of my head, Very is about two/ three years old, and Littlewoods is 4/5 years old. Im digging through my paperwork now to have a look properly. After looking more at my statements, I've noticed that my penalty fees and interest just from May last year actually equal more then my balance ever was on my Very account. Penalty charges just from May 2013 currently stand at £144 on Very, Littlewoods is £132. Most our insufficent minimum payments charges or debt collector letter fees, though I called them countless times to tell them of my situation but they would not lower the minimum payment on my Littlewoods account.

Hi all, I currently have two accounts with shop direct that have been passed on to Lowell for recovery. Very's balance currently stands at £242.01, and littlewoods is £1218.15. I'd like to know where to start, because i've read a few posts saying you can claim back penalty charges placed on your account? For instance Very's balance was £150, and the £90 placed on it is interest/ late pay ment fees/ debt recovery letters etc as I hadn't even used that account for over a year and was just gradually paying it off. Littlewoods would be the same, I'm just not sure on the amount that would be fees. Just wondering where I should start off? Any advice would be greatly appreciated. Thanks, Imogen.