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Loan charges refunded - advice please

I have recently recieved a letter from my bank, which enclosed a cheque, refunding me for some charges they applied to my loan account in error between sept and feb 07.

I now wonder if these charges will have added to the total loan ammount still left to pay off, when they were applied to the the loan the interest would have been totalled including these charges.

Should i go back and question this or just bank the cheque.

help

thanks
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