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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?