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Penalty Fees: How does this fit in with reclaiming?

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Hi Guys


My question is reclaiming £12 late payment fees on loans etc.

Even though I've signed an agreement which permits a £12 per unsuccessful payment, how does that tie in with regulations etc.


I've recently struggled to see where the information is that gives us the right to claim these back?

Also what about levying interest payments on top of interest payments?


We could do with some help from you.


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Receptaculum Ignis


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