I never missed a payment on a loan of approx £8,000, then got to stuggle with £190 pm, so i arranged with my building society for a secured loan over 5 years of £200pm, i paid off £5000 cash to my existing loan and was told as i had paid 24 months approx up front no need to pay anything for 2years & interest will be frozen, since then i have been in formed that the company has been adding £30 pm in interest since i paid the £5000, which now is back up to approx £4000, i want to know where i stand on all this as next june 2009, they will be chasing me for monies i owe, which i though would only be £3000. help...