Need Your Help And Advice

[john2008]

Hi all,

I defaulted on my credit card two years ago and started paying back £40.00 a month just over a year ago through a debt collection agency (even though the debt is with Halifax visa). The outstanding debt was initially £2300.00 and is now £1800. The thing is that I can recall my credit limit on this account at the time only being £1500. I guess they have charged me nearly £1000 in charges or interest. Can anyone advice me on how I would gain information on charges applied to this account etc and how to get the charges knocked of the real amount owed. Your advice is really appreciated.
Thanks in advance!!!

[more freedom]

You might want to talk to your banker about it

[mekish]

they must have kept charging interest on the credit card. add to that, the debt collection agency fees, etc. speak to Halifax, they'd send you a breakdown of charges. although they might charge you for it.