Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Did they write and say this is a settlement figure, or just that your balance was £658.78 please?
Its not an official settlement figure under the CCA, its just a letter stating my current loan balance as £658.78
Sadly you can not rely on it then. If they said it was a settlement figure then you would have been able to accept it and hold them to it.
Because it is in effect a letter saying your balance is £x it may simply be a mistake.
Therefore because it is not a settlement figure you can not rely and make them honour it.
I am sorry if this is not the answer you want and it is certainly not the one I want to give you but I have a duty to be honest
Can I clarify anything for you about this today please?