Im sorry i went with welcome finance, i borrowed 750 and am paying back 1516. i had the loan a year ago and still owe 630, if i was to get a settlement fee i can only get that by sending them a letter to request it, endless problems with these, please do not go with them for any finance whatsoever, they rang me the other day to offer me a loan for only £1000 and the payments were (with insurance) 145 per month over 3 years! so for a 1000 loan id pay back around 5220