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Penalty Charges?

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I hope I am posting in the correct place here but if now can someone please tell me where my post should be.


I have a car loan with Peugeot Financial Services whic is due to end in May. I have requested and received a full statement of account and am horrified at the numner of Late Panalty Charges of £25 a time.


I know I can try to claim these back but am wondering if I might be able to avoid that by writing to them now and offering a settlement of the balance of the loan minus the charges. They know we are having financial difficulties and have had problems making the payments in the past(hence the late payments)


Can anyone offer any advice on this, and also on how I should word the letter?




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