last year i bought a suite of furniture with a 12 month intrest frHFCee loan from a well known lender. they set up a three year repayment plan with no repayments for the first year. I rang the bank to set up a direct debit a week after i bought the suite. Last month after i paid my 11th and final payment i contacted the bank to make sure i did not owe them any money. i was told i had not paid any money off the loan at all. I am trying to rectify the problem before the 12th month is up and they start charging interest. Has anyone else had a problem like this?