OK Sorry to be stupid but thought I would ask the obvious question. I am happy repay the last £50 on my loan. I borrowed it, I owe it. I am not happy with the £175 worth of charges levied on the account. Some of these I can prove were the result of misaddressed letters despite other letters being sent to the correct and provided addresses. What os the process to attempt to prevent the attempted collection of these disputed charges? I have previously and repeatedly disputed both in phone calls and in writing. I even offered (without prejudice) to pay off all charges at a fair £1.50 per letter (i.e. £18). SLC refused this offer. Any ideas anyone? Thanks.

Hi, Well done!! I have approx £170 of charges applied to my account and approx £50 left oustanding on the total balance. I have repeatedly disputed the charges as being unfair and excessive with a number of them that I can prove are completely unfounded. I recently wrote again to SLC explaining (without prejudice) that I would pay off the balance immeditately but was not prepared to pay all teh charges on the basis that they were excessive, unfair and that some were simply wrong. I suggested to SLC that rather than mess around with CC proceedings that I was prepared to pay £1.50 per letter (as being fair given ther automated nature) for each of the 12 letters sent out in order to draw a line under the entire thing. Not surprisingly they refused this offer. As the charges have have been applied but I have not yet paid them, I was wondering how I should best go about proceeding? I am minded to simply write back having paid off the balance and tell SLC that having made them a fair offer that they have refused, they should start proceedings to recover the disputed charges as I am more than happy to defend the matter in court. What do you think? What argument did you emply to get have your charges quashed and had you already paid them? Thanks. N