It should have been provided to you when you got the loan documents.
What I would suggest you do, is contact the party that has provided you with the break interest fee and ask them to provide you with confirmation of their entitlement to charge that amount.
We advise that you do not agree with the calculation and that if they cannot provide confirmation by referring to the agreement contract the signed, they will be taking the matter to the financial services ombudsman and reporting them.
I think this will be the quickest way to get this matter resolved and you make them do some work and provide you with information.
If you still have details of the people you are dealing with at Citibank, should be able to contact them and request a copy of the memorandum that is attached to the loan and they should be able to provide you with that as well.
Generally under the memorandum they can assign all the rights and interests in the loan to a 3rd party, and it is as though you borrow the money from that 3rd party initially.
I'm happy to provide you with further assistance if there are further questions but at the moment is nothing further I can assist you with.
I hope this is of assistance. If I have missed anything, or you have any further questions please let me know before leaving any feedback.
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