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Hello Beverly my name is ***** ***** I will help you with this.
For now please let me know what the interest rate and length of loan is please?
Term 240 month flat rate 11.90%
So 20 years?
I have worked out using http://www.moneysavingexpert.com/mortgages/mortgage-rate-calculator
This is just a basic calculator
This works the debt after 3 years to be remaining at: £21,934 and 4 years at: £21,509
So to be honest that figure is not a million miles out.
Sadly in the first 10 years or so most of what you are paying is interest.
Ask them to revisit it and also supply a breakdown.
Then you can see what it comes to and how
I am sorry if this is not necessarily the answer you want and 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?