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Hi, I've recently had late payment charges on 2 LTSB credit cards. This pushed one of the cards over the limit incurring another £12 on top of that. When I made the next payment I did not include the late payment charges they'd added on to the minimum payments, so they added further charges. These cards were originally an accucard and an Easy card both of which LTSB bought out. I have noticed that the interest rates have crept up to much higher than when the cards were taken out also and when I received the last replacement card it stated "for details of the interest rate please refer to your original agreement. I'm therefore thinking it's time to challenge them for agreements. I've been reading up on the latest CCA info as I'm a bit rusty and things have moved on since I last did this. I'd really appreciate any advice, because it looks a bit confusing nowadays. Adding late payment charges onto the minimum payment really annoys me. How do they expect someone who has struggled to make the basic payment be able to pay all their add ons? Does anyone know please whether adding late payment charges onto minimum payments has been successfully challenged? I'm thinking of sending a standard CCA request letter with an added bit challenging the charges. Any further suggestions would be appreciated.
