advice needed

davefcuk

Hi all

I urgently need some advice about a personal loan I took out.
I originally took out a loan many years ago and unfortunately after a year or so found myself unemployed and in major financial difficulty.

I contacted the company with which I had a loan and they decided to write-off some interest and reduce the monthly payments and change the loan period.

This was all some years ago now and I never recieved any details or statements from them again and I couldn't even check online as the account had been suspended. The agreement was when the debt was repaid they would write to let me know.

I recently became curious after paying for six and a half years (never missing a payment) and contacted them. After many security questions and letters they explained that I had fully repaid the loan three years ago and they would send me a refund of the overpayments.

I recieved a very small cheque for three years of payment and contacted them back. They have told me that in calculating my refund they have deducted the amount that was previously written-off!!! :mad:

How can they do this??? I am sure this does not fit the banking code where it says they will conduct my account in an fair and honest manner.

I had no way of knowing when my loan payments where completed so how can they do this.

I have written to them to complain and they have even put it in writting.

Please please please please help