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ge money charges

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hi all i have a secured loan with ge money taken out 6 years ago for 10.000 the charges are well over the top £40 plus interest after 6 years we still owe over£9.000 thay say all the charges are for late payments we are up to date with are payments. Is there anything i can do ?were do i start. looking at the account thay have charged at least £3.000 in charges any help please.

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