Can I claim back unfair charges against a car finance company?

I've been charged £25 recently for a returned payment and another £25 for a letter.

When I spoke to them over the phone, I pointed out that the charges were unlawful etc and she said quite confidently that International Motors Finance had been in talks with the OFT and that basically they could charge what they liked as the OFT recommended threshold of £12 didn't apply to them?

Does sound right to me, or is it? Can I claim? Fingers crossed!

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