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late payment charges on car loan


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I would be grateful if someone could supply some information on late payment charges on car loans. A friend of mine had a car loan with Clydesdale/Barclaycard loans. They made every payment although late.A charge of £22 was made on each occasion. At the end of the agreement and after all payments were made, they asked for the £303 in late payment charges. My friend refused to pay. Now after 4/5 years, different collection agencies have added on charges and passed them on to other agencies etc. The latest came from Bryan Carter Solicitors on behalf of Lowell Financial Ltd asking for £720 or the case will be put into court.

Any suggestions please?

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