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reclaiming on secured loan

hi
we have had a secured loan on our property for last 9 years - some of these have been tough and so sometimes payments where a bit late - no more than 30 days and always brought up to date.

the loan company have added many charges over this time and have now informed me that £2000 will be outstanding when the loan finishes next year this amount is purely charges and admin costs.

does anyone know if i can contest these atall otherwise we have now got to find the additional money.
thanks
chrissieg
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