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Hello sorry to hear what has happened.
The fees would stand because the taxes would have been explained and accepted by you when you took the loan.
you could contact the company, explain your situation, see if you can negotiate a reduction in the amount of fees that are claiming and agree a payment plan.
Inform them you would need to go bankrupt otherwise then they get nothing.
They can only say no. But could agree reduction in amount and a pay plan. At least this way, if they did take it to court, you could then show that the actual loan has been paid off, this amount is only late fees and that you have tried to negotiate with them but they refused. This would be good for you in court.
Can I assist further . Do com back if you need more advice on this.
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