Hi there we took out a loan for £1000 in june 2009 over an 18 month period we have paid it off in full in january 2011 and since been informed we owe them £400 in charges accrued from £12 phone and letter charges I have informed them that they had the wrong number to contact us and they advised we were able to leave a message so the charges stand, I feel this is very unfair as they phoned this number twice a week for months having never gotten through to anyone, why would they keep ringing it.
I have advised them i am not willing to pay the charges and they have emailed me a copy of their complaints procedure and told me to complain in writing any ideas on how i should word the letter, they have had their £1000 back plus their extortionate interest and i feel it is unfair to make us pay more.