Thanks for that, good to know. I'm going to see what they say and take it further if needs be.

Hi I wondered if anyone can help me understand my loan early srettlement figure please?? We had a personal loan from Natwest (which thaey stuckk PPI on - but that's another story!). The loan was for £9488 plus 2205.40 for PPI so a total of £11693.40. On the credit agreement it states : "The customer has the right to repay the loan before the end of the term by making a single payment calculated under a formula which limits the amount of the total charge the customer pays. The amount the customer would have to pay if, for example, the customer wanted to settle when a quarter of th