first national after some advice thanks

[stevvieboi]

i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them,
what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made from me if i had not settled early, and have informed me that this is the type of loan i took out with them, does anyone know if i can claim this back, after all they still got their money back, plus the interest they made of me while i had the loan, and also redemtion fees because i settled early, and also another charge of £59.23 further settlement interest charge,
has anyone got any adice on this and if i can claim this back, many thanks

[reidnet]

Hi Stevvieboi,
When you settle a loan early they can use differnet ways to calculate the settlement figure. It depends on what date the loan was taken out to as to which method they will use to Calculate the settlement.

I had charges of around £750 added onto my settlement figure when I settled a loan early, I fought it and did get it refunded , as a gesture of Goodwill of course..

If you can let us know what date the loan was taken out then I will be able to look into what method they would have used to calculate the settlement figure.