loan was 5k over 5 years almost paid off! when I checked my statements loan signed for 22/6/07 payments to start or loan commencement date 3 months latter 1/10/07..... KEY FINANCIAL INFORMATION 60 Monthlypayments starting on 1.10.07 bla, bla, interest will be calculated on the daily balance outstanding on the account and applied to the account monthly.all standard! but my account showed, they had added interest from the date I signed the loan. a total of £283.33 which they no doubt added to my balance and have been charging me interest on for the 5 years. So I rang and challenged this and said “I didn’t ask for the start date to be deferred, nor did you tell me you’d be charging interest from the date I signed for the loan until the start date and if you had, I would not have agreed to this. Surely you can only charge interest from the loan commencement date,which is stated on my agreement 1.10/07.” She said” just a mo I’ll speak to mysupervisor” upshot was, make one more payment of £137.14 and we’ll close your account.(asked and have got this in writing now) SO DO I.... A....make the payment and just be happy at that? OR B........Say "hold on a min" you’ve acted unlawfully! Deduct the £283.33 from the balance and re-calculate the interest you have charged me and remove this from my outstanding balance. ? OR C If they have acted unlawfully calculate £283.33 @ 21.9 APR over 5years (total of £1031.79 which is greater than the outstanding balance) do I say hold on. the loans over and YOU owe me money. Think if I pay £137.14 and they close account I’ll have job getting the difference back ANY ADVICE WOULD BE HELPFULL THANKS

attempting my first post and black horse one to follow if this works.