Elderbridge Loan and Separate Interest Account

OldBagpuss

Hi, So Years ago we took out a First Plus loan, after a while we fell into financial difficulties and fell behind on payments. When Elderbridge took over we were told that interest had been stopped on the main loan so all our payments were paying off the capitol borrowed, after some time we got back on track, we have no arrears and haven't missed a payment in 6-7 years.

On the Capitol loan we owe less than £2k now and this is the amount outstanding on Credit Reports, however when we asked what the settlement figure was (a few months ago) we were quoted £33K!!! Original loan was £35K.

I have several questions:
Where do we stand when we have paid off the Capitol loan (all credit reports will show it paid but we still potentially owe money on a separate 'interest' account?
We never asked for the separation of loan and interest

How can i check that these figures are correct?

What has any one else done with this situation?