Hi I am also an Elderbridge / First Plus customer , I have just paid off my initial loan ( around £ 35k ) after many years I am told I still owe £ 12k in interest .. I asked for an early settlement figure and have been told there is no discount for early settlement on interest ? I have made a complaint to Elderbridge today they advised me that Barclays were looking at what has been described as unfair interest rates and that a decision whether customers would be compensated or not is imminent ... I would advise anyone who is not happy to contact Elderbridge asap as they said they had only received a few complaints regarding the high interest rates , and like anything the more people that shout the more we may be heard ? Worth a go I believe .