Have now had a reply from the finance department of the company with an offer for a compromise which doesn´t seem too bad an offer. I am giving it some thought but it may be the best I will get in view of thefact that some money is still outstanding and I am not sure how far I would be prepared to go to get a better result. this. Sometimes the effort involved is not worth the result. Again many thanks for all your advise

The original agreement for three years showed the monthly payments plus the interest charge. When this was changed to a two year agreement the interest to be charged was obviously less but a standing order mandate gave the increased monthly payment for the remaining 12 payments to be completed at the end of 2013. When I said that I have not received a further direct debit mandate I meant to repay the remaining 1000 that they say I owe When I have now done the calculations for what I have repaid I have in fact underpaid the full amount plus interest by 965 pounds which I expect I will have to pay. My complaint is that I was naive enough to believe that when I asked to repay a loan in two years they would calculate the correct payment or during the term contact me to say I was underpaying and not wait until the end of the agreement Buying a funeral plan at the age of 78 is not the happiest of projects and I have learnt at my cost to be more careful in future (or for what I have left!!!!) Many thanks for your comments and help

No,when the current direct debit agreement finished on 1st December 2013 I assumed it was completed. Then I received a phone call to say I still owed 1000 pounds but no mention of how I was expected to pay this,no revised direct debit agreement

Yes I have the agreement and copies of my bank statements showing all the payments made which they agree with What they are saying is that when they did the calculations( which they gave me) for my direct debit payments they made a mistake in the amount, which should have been 50 pounds per month more. They say I can have an interest free year to pay it off, but should I need to?

Two years ago I approached a company who provided funeral plans I asked for a three year plan to pay off the full amount After paying for one year I asked for the loan to be changed to a two year plan and they gave me an updated direct debit payment which finished on 31st December 2013. All payments were made for the two years but they now tell me that they made a mistake in their calculations and that I still owe nearly 1000 pounds. Can they do this.?