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Dear CAG, Many thanks for reading. I am writing on behalf of my father who isn't very technologically or financially savvy. He yesterday was made redundant which has caused us to begin this quest. In 2002 he took out a 10yr £11.6k secured loan with GE Money (that was the easy bit). In October 2012 he finished off paying the loan. During the 10 year duration of the loan, he was in and out of work and managed to accrue fees of £5800. This has built up in a separate fee account which is now outstanding. In the past (when he had been out of work) he has had bailiffs calling and a court summoning etc, which is probably why the account value is so high. They have also been charging him compound interest on this money. Once he had paid the loan they sent him a letter demanding the full amount of the fees account, which he couldn't pay. we made an arrangement with GE Money that he would pay £200 a month. They would only accept this arrangement for 3 months, and then they would review it to see if we could continue like this. This is how we planned on continuing, until he was made redundant on Monday. The property that it's secured against is a flat worth about £110k which he owned outright until he had this loan secured against it. I am unsure if he ever signed up for PPI. We feel that we need to tread gently with them because if they demand all of the money then we are in trouble (which will probably cost more). in the short term I'll give him the money to pay the loan with a long term view of me getting a loan to pay it off (to keep the interest paid at a minimum). We are looking for any advice that may be able to help us out before we go down the route of getting a loan in my name. I have read things about reclaiming unfair bank charges and we could look into PPI. My fear is that by pursuing something like this could turn things sour, with them demanding immediate payment or something along those lines Many Thanks, Sheila.