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Page last updated at 14:51 GMT, Saturday, 11 July 2009 15:51 UK

First Plus loans

Some customers of secured lender First Plus say the company has acted unfairly in not lowering rates when base rates have fallen so dramatically.

And a compliance expert says its contract terms give too much power to the company and are therefore unenforceable.

The former market leader, which closed to new business last year, says its terms are fair and that it is doing nothing wrong.

Samantha Washington investigates.

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