Thank LBL Employee, the charges are over 600 pounds, and do seem a little unfair. Will see what we can do - although others have advise I pay them so that I can get my documentation back first before asking for the claims back. It does seem sound to do this, as reading others stories on here, I dont want to lose my car over the charges, as it would mean having to give up my night job etc and so reducing our family income, which wouldnt be a favourable option. Shammy

Hi guys Wonder if you can help. I took out at 1500.00 loan last year, and last week paid the final 200.00 on the loan. Thought this would mean I was in the clear and would get my paperwork back etc and life return to being slightly less stressful (currently heavily pregnant with our 4th child, so as little stress as is possible anyway!) Unfortunately, I received a letter to say that whilst the loan itself is clear, I owe a total of £648 in charges for phonecalls/letters from Log book when I have missed a payment. I admit that in the first few months of taking the loan out, my husband lost his job and so money was tight, but whenever I fell behind always called them, was honest and made arrangements to get the account on track. They still sent letters even though payment was in agreement, and I always phoned to check what was happening as the letter would say I was being billed £12 for them sending it, and that it would be added at the end of the term. Every time I phoned I was told it was a standard letter that they couldn't stop from going out but was not to worry about it. Lo and Behold, I now know this was wrong and hence the so called £648 charges. The letter says as the loan has come to the end of the term, I have to pay the remainder immediately or risk losing my car! What can I do about this, is there anything? If they have to place charges then fair enough, but why werent they honest in the first place whenever I phoned, or alternatively, why not add them there and then, rather than leave to the end then threaten to take the car as the loan has ended? If anyone can offer any insight as to what I can do I would truly be grateful, I don't know what I would do without the car, Thanks guys in advance Shammy1 x

Hi there Thanks for taking the time to answer questions on LBL. My question is, if you pay the loan off, and have a figure left due to missed payments, can you dispute this, as letters come from LBL saying, loan now overdue (due to charges added at the end) and needs paying immediately or risk car reposession. Is this really possible? I would like to dispute the figure, but as a mother of three with another on the way, I cannot afford to lose my only means of transport. I want to get my keys back and put the loan behind me, but with still a large figure hanging over my head I dont know how this will be possible? I have asked LBL for a full breakdown of the charges as I wanted to seek advice from CAB but they have said they cannot break down what each £12.00 charge is actually for. Your advise would be really aprreciated.