Hidden Broker fees with car finance

[just_jue]

Hi everyone, to start with I would like to apologise for the length of this post!

I am after some advice. We brought a car via BCT back in 2003. In 2005 the engine ceased up and we were in no position to pay for a new engine so we did a VT on the car. This left an outstanding balance. Marlin Financial Services - Bramber took over the debt and we have been paying them off at £50 per month.
At the beginning of May I sent them a CCA request. As I had heard nothing from them on the 25th May I cancelled the S/O with them.

At the start of June, they have sent this : http://i718.photobucket.com/albums/w...st_jue/BCT.jpg one page agreement nothing else.

I then sent off a SAR in June which they finally sent back in October.
Just had a quick look and some of the figures:

Opening Balance: 10,157.90
Total Payments made: £5,515.96
Total Charges: £1562.42

They have also sent all the paperwork for the Broker Commission and how much he was paid for the deal- £1341.66.


http://i718.photobucket.com/albums/w...agreement1.jpg
http://i718.photobucket.com/albums/w...agreement2.jpg
http://i718.photobucket.com/albums/w...t/payment1.jpg
http://i718.photobucket.com/albums/w...t/payment2.jpg
http://i718.photobucket.com/albums/w...t/payment4.jpg
http://i718.photobucket.com/albums/w...t/payment5.jpg
http://i718.photobucket.com/albums/w...statement1.jpg
http://i718.photobucket.com/albums/w...statement3.jpg
http://i718.photobucket.com/albums/w...statement2.jpg
http://i718.photobucket.com/albums/w...t/payment3.jpg

Am I right in thinking that the Broker Fees should of disclosed to us when we took out the agreement?

Thanks

JJ