Iain, cheers for the advice mate, I completely realise it's only my fault BUT I can't believe they didn't send a reminder letter with the date and then the details of the following repayments. I'm angry with myself as I'm really organised and knew it was coming up and have been keeeping the money aside gradually over the time.

chip, cheers for the vote of confidence mate, as you say, I'm not getting worried about £30. Interestingly, just re-read the terms and the early settlement agreement section gives fees for the following catergories 'When a quarter of the term has elapsed', 'When half the term has elapsed' and 'When threequarters of the term has elapsed'. My two weeks isn't going to make it into any of those. There's no mention of the first quarter and no mention of being bound for a quarter as today I have arranged to settle it. May have them on that?