Thanks so much for your answer, its a weight off my mind.
Found the exact figures for the debt and the current account was £417, the credit card £661 so on the current account there has been nearly £800 interest.
The SAR is pretty unitelligible as you mentioned, no explanatory texts or anything, just a bunch of codes and figures really.
By the way, I had PPI and insurance on the credit card so I dont know why it was never settled through the insurance.
The bank never sent me annual statements and the new demand from Link only has a total figure, no breakdown at all.
I'll follow your advice now and firstly ask link for a breakdown and SAR the bank,
should I offer to pay Link the £1 per month immediatly or wait until they give me a breakdown? Also, when I get the SAR back how do I know what charges are unlawful?
Thanks for your patience and for the advice