hi all, i am in a bit of a panic with this lot and hoped someone can tell me how Blemain function with there charges, ,i have two secured loan accounts around 4 years ago i fell behind with payments, i have since cleared this up however it has left me with charges of £1000 on each account which are collecting interest. i phoned them today because at minimum i really need to cover the interest at least to stop them increasing, if i make a normal payment via online it wont come off the charges it comes off the account balance, this was said today over the phone, i have to make a phone payment and request it comes off the charges, i ask on here where are the charges if there not on my account balance do they make a sub account for them? i would be most greatfull of any help with this, one more thing, is it worth going to the FOS to try and get them to dump these charges i have had to post an update to my post, i have spoken to blemain today and my charges are separate from my main accounts and have arranged to at least cover the interest on the £2000 by paying something in monthly, that's no problem and my accounts are maintained however the loan balances on the two accounts have hardly come down over the last 6 years and i nearly owe as much as when i started off, ,,why is this when i paid the arrears off and the charges are separated from the balance, ,,im at my wits end and its making me ill if anyone can assist with any thoughts please do so as i dont know what to do thanks in advance