I am fighting them in Court at the moment. check the loan period in my case they tried to bring forward the payment date forward by 9 days therefore the APR is wrong, therefore they breached the contract. I suggest that you send a revised Defence that you believe that you are being overcharged and that the Claimant has admitted this and attach the email or note of the call saying it should be £900. DONT TAKE CALLS FROM THEM ALWAYS HAVE A PAPER TRAIL. GOOD LUCK

if any one needs some help with Costs (County Court etc) please contact me I have over 12 years as Law Costs Draftsman and I will happily make the banks pay!