You need to start by reading the finance contract you have, because if these fees are not specified in your contract they are illegal and you would have ground to sue them for breach of contract and to recover all of your money you overpaid. However, if this fee is specified in the contract and you signed the contract, then I am afraid that the contract would be enforceable. You have to look in the contract to see whether or not this charge is stated in the contract, if it is not, you need a local consumer protection law attorney and you need to sue the lender who is breaching this contract with you.
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