So i went down the route of claiming the loan was missold, i took the case to the ombudsman. After 9 months they turned around and told me that at the time of the loan Blemain were not FTA regulated and as such cannot make a decision on it. I am now left with charges occurring interest that they are now demanding payment for. I literally do not know what to do other than start paying them again To say i am thoroughly dejected would be an understatement.........

Would this not still all be pushed to the side, i signed a contract that stated i needed buildings insurance and that they can charge me for stuff. If the contract stated i had to give blood would i not still have to adhere to it? It would be good to know what stand point i could use in regards to the miss selling of the buildings insurance, i understand the angle you can go with PPI however would buildings insurance not protect their investment? Apologies for all the questions i just know how hard headed and stubborn they are and if i do not have something concrete i know they will just fob me off. While on the subject of this is there any letter layouts already on this site i can use in regards to the charges which i am sure is 99% of peoples problem with Blemain on here?

Do you have anything i can refer too legally regarding this?

Nothing on the deeds, just the land registry to say there is a secured on the house. Buildings insurance was stated in the small print as a necessary part of the loan. Want is more funny is on the original loan documents i stated my wage to be £300 more than what it said on all my wage slips they received off me. They also paid some of the loan direct to the mortgage provider because were behind on our payments. The explanation of why they charged me an extra 8 years for PPI made me laugh, they stated that the PPI refund i got was for the entire period of the loan to which i received. Even though i received around £4000 in ppi and the amount paid in 15 years without adding interest is well over £5,000.

Apologies for the late reply The issue i have now is i am looking to remortgage however because this is showing up because of the charges i will end up with a choice. Stop the remortgage and fight them about the charges or repay them the entire charges in corporation with the remortgage and then try and pursue a claim against them to recoup what they have been paid.

The buildings insurance is to protect the secured building in case it is damaged or destroyed. Do I just lay down now and pay them another £15k plus whatever interest they put on top of that over the time

It is a secured property

Well i received a reply from them, they told me that all the charges were within a satisfactory value and that my ppi i received back was for the entire amount i would have paid in the 15 years. I am now going to raise the issue with the ombudsman and let them deal with it. Any advice i can use for the ombudsman?

Thank you for your help

They rang me in reaction to me cancelling my direct debit, i told her what i had done and stated i would be in touch via recorded letter. She then reminded me i had a balance outstanding to which i inquired would this be gaining interest as well to which she told me yes £176 every month, however assured me that it goes down after each payment so lucky me!

I got the start date from when we received our cheque from them for the PPI to the last day of our payments which was August, worked out how many months and times it by the amount we had been paying for insurance. the figure is not 100% accurate as it will be more, i just gave the basic lowest it could be without any interest added. As i went through my contract there was a few more things i found, the loan was minus what we already owed to the bank for missed mortgage payments and the wage i said i received was far more than the amount shown on my wage slips. Would this go to a view of irresponsible lending if i already could not pay my mortgage and my wage was at least 1/3 less than i stated. The PPI thing i also found out by looking through the contract where it stated how the figure is made up, £200 for the loan and £29 for the insurance. This never changed from August 2011 when we received the cheque up to the last payment in 2020. A lot of the letters received were also for the payment date, they said it was contracted yet it does not state anywhere the date at which the payment should be received. They even arranged the direct debit with us for the end of the month and whenever we questioned them regarding the letters they told us dont not worry. However what they were doing is charging us for the letter on the 22nd and then interest between then and the last working day of the month when payment was sent. I have since spoken to them and they told me that i still owed the amount of money and that interest was still being added daily which would go down as i make payments. So will take us now at the payments we were making previously another 7 years to pay the balance off with the interest being added.

TBH i didnt know which to use

I have just sent them this letter and canceled my direct debit to them now that my loan payments have finished and the only thing they want now is the charges to be paid off. I am not expecting them to go quietly so will post their intimidating response. Dear Sir/ Madam ACCOUNT NUMBER: xxxxxx I am writing to ask you to refund the charges which you charged to my account in respect of late payment fees to the sum of £ 14,670.75. I now understand that such fees are unlawful at Common Law, Statute and recent consumer Regulations. In addition your charges appear to represent an unfair term of contract which is contrary to the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). My account falls within the ambit of Regulation 5 of the Unfair Terms in Consumer Contracts Regulations 1999 as I am a consumer. Your charges constitute an unfair penalty under Schedule 2 of the said Regulations, which provide an indicative and non-exhaustive list of terms which may be regarded as unfair. Under paragraph 1(e) of schedule 2 this specifically includes terms which have the object of requiring any consumer who fails his obligation to pay a disproportionately high sum in compensation. I would vigorously contend that this is the position regarding the fees which you deemed fit to apply to my account. I would like to bring your attention to the following statement by The Office of Fair Trading: "A term in a mortgage agreement which requires the borrower to pay more for breaching the contract terms than actual costs and losses caused to the lender by the breach (or a genuine pre-estimate of that) is likely to be regarded as an unfair penalty and to be unenforceable both at common law and (in a consumer mortgage) under the Unfair Terms in Consumer Contracts Regulations. I believe that the charges you have levied of £14,670.75 far exceed any true cost to yourself as a result of our breaches and any genuine pre-estimate you could conceivably reach. If you disagree, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put to as a result of our breaches, in order to reassure us that your charges really do reflect your costs. Thus I am asking that you refund the charges and other fees which have been levied on my account. If you do not respond, or you do not respond positively, within the time limits set out in your official complaints procedure I will enter a formal complaint to the Financial Ombudsman Service. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. I would also like to bring to your attention that you have been overcharging me on my payments. My initial loan repayments were made up of £200 for the loan and £29 in PPI. Since I claimed the PPI you had charged me in my complaint 2012 these payments should have stopped, however you still have been charging me the insurance. To date I believe the sum to be over £2700 not including any interest. However, I am prepared to relinquish my claim for this in in exchange for the buildings insurance I was charged for. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. Yours faithfully,

has anyone actually got a positive outcome with Together/Blemain?

I have been reading through quite a few of the threads and to be honest i thought it was me only who had this problem. It seems they have a history of making peoples lives miserable, as if the additional money they gain from the initial loan is not enough that they have to exploit people more. A few things i noticed going through my paperwork, 1:- the inital loan was for 180 months at £200 + £29 for the insurance. I would have thought that once we claimed the ppi back from this they would not charge me anymore yet i have still been paying this amount for the remainder of the loan. 2:- I claimed to earn £900 a month salary, however the wage slips i sent back clearly show i earned far less (£200-300) 3:- There is nothing in the contract stipulating a payment received by date so as soon as they arranged a direct debit with me should that not be officially the payment by date I am consulting a solicitor now i have my SAR and hopefully they can help me get them off my back. Initial Loan £15k, £3k of which went to the bank for being behind on my mortgage so actually received £12k. Paid back thus far £41k and they still want £14k more