For example, you may have originally borrowed money to buy a home, or for home improvements such as a conservatory or replacement windows, or even to buy a caravan.

You may have just wanted help to pay off your debts.

You may have already paid off the loan as long as 20 years ago, or you may still be paying it off today.

The good news is, you can, by law, be repaid the amount you have been overcharged, plus any interest due to you.