charges for phone calls and letters on a finished loan

missc_3

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I have a loan that has come to the end (October 2006) however in the middle of this loan i had a problem with payments but spoke to the company and done reduced payments for 6 months - i then went on to pay double payments to catch up with myself.
in this time they rang me (charging me between £5 and £10 per call!!! and £10.00 everytime they sent a letter out)

I have a statement off them and it says i still ow £435.00 (sorry £445.00 as they put on end that they were charging me £10 for letter)

My original Loan was for £2500.00!! (of which to pay back was £146.16 x 36 payments = £5261.76) at the time i was desperate and this was only company i could get a loan with (WELCOME FINANCE)

I have checked MY STATEMENT AND I HAVE PAID BACK EXACTLY £5261.76 - all be it a month late (nov 2006) - however they say i still owe them over £400.00

is there anything i can do? so far i am refusing to communicate with them however i dont want it to go to point of bailiffs - can i fight them and if so am i likely to win?

HELP PLEASE AS IM GETTING SICK OF THEM RINGING ETC