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First Plus Charges


Murada
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I have a secured loan with First Plus and recently cancelled their Direct Debit in error. I have sent them a cheque for the missed payment, however I know they are going to try and charge me:

 

Unpaid DD £27.50, Arrears Letter £25 and (perhaps) a default notice of £40

 

Obviously these are disproportionate in the same way as bank charges. Can these be challenged? Or indeed can I refuse to pay?

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