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Hello my name is ***** ***** I will help you with this.
Just to be clear, are you settling this debt early? Or are you in arrears?
If you settle early you are normally entitled to a rebate. You should use this calculator here:
That will show what your entitlement is. If they still refuse then you can go to the Financial Ombudsman.
They will regulate this and offer a free, independent service. Their website is: www.financial-ombudsman.org.uk
That should resolve the matter for you.
Can I clarify anything for you about this today please?
Its either regulated or it is not. As this loan was for under £25k it would be regulated by the CCA.
Does that clarify?
Correct. You ARE entitled under the Consumer Credit Act.
Use the calculator above to give you an idea of how much.
But the CCA does say you are entitled to a rebate.
Does that clarify for you?