Personal Loan agreement

[Emsiwemsi]

I took out a personal loan with a small local firm, I signed all the relevent paperwork when I took out the loan. Halfway through paying the loan the agent told me that if we couldnt make a payment we would incure a 10 pound late fee to be added at the end of my loan. Can he do this? I stupidly took out another loan from him, in which I have since paid in full, he is now telling me I have 90pounds of late fees to pay, And informs me that if I default a payment he will add another 10 pounds!
Is this right? Please help!!I

[CheekyChops]

Doesn't the paperwork you signed mention anythng about late payment fees? To be honest most loan companies will charge you for late/missed payments and most of them will charge more than �10 as well.

[Emsiwemsi]

Not on my first agreement!