I had a loan with this lender. I borrowed 12,000 over 15 years. paid it for 3 years and settled for 17,000 how i managed this im not quite sure. I recently asked for a SAR. they complied and i looked at the info. Turns out they had hit me for a £1800 penalty charge £1400.00 disbursal fee. None of these were mentioned when i took the loan out ,I intend to claim these back. If anyone has advice or similar experiences please help.