http://www.fsa.gov.uk/pubs/final/redstone.pdf   http://www.fsa.gov.uk/pubs/final/db_uk.pdf       It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.   Furthermore, irresponsible lending practices are also unfair and unlawful.   Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.   You are entit