Thanks

I took out a Blemain finance loan back in 2005 for £16.913.00 , secured against my property (it was actually a refinancing of a previous loan with First National Home Finance) . I sold my property in Jan 2012, both the mortgage and the Blemain loan were paid off. The interest on the loan was 12.2% The final redemption payment to Blemain was for £23,253.36 in Jan 2016 and this was paid in full. I got the SAR from them i have a break down off all the charges. Through out the loan I did have money problems, looking at the breakdown of my account there is quite a number of late payments. There's just a few things I could do with help on:- Over the period of the loan I've been charged for: Letters = £30 - £35 Visit = £100 telephone charge = £30 - £35 Monthly charge - arrears = £33 - £46 Dishonoured Receipt = £30 - £35 Default Notice = £50 Buildings Insurance = £85 - £184 Buildings Insurance Block policy Charge = £16 legal costs = £282 application to suspend legal action = £13 settlement figure fee sent to 3rd Party= £30 Court preperation fee = £53 court hearing fee = £13 land registry copies =£4 online issue fee = £100 Issue warrant for possession = £18 collections instruction = £176.25 Legal fees to HMCS = £150 Post - Legal monthly Charge 2 = £130 - £215 I did get close to getting the house repossessed twice, which is why i had to sell it quickly and under the market value. Some of the above were charged multiple of times, others just a few, All in all the total charges come to £5,865.50 plus there was a Broker fee at the start for £1,500 (this is not included in the £5,865.50) 1) I can't remember who I approach to get the loan, It could have been Blemain directly. £1500 seems an awful lot, do I need to speak to Blemain about that as it seems excessive. 2) Which of the above charges can I try to claim back for? bearing in mind they did attempt to take me to court a few times fir monies owed, this was during the time I was trying to sell my house as i couldn't afford to live. 3) I have downloaded the CIsheet (compoundinterest calculator) and entered all the charges. Bearing in mind the loan interest rate was 12.2% APR what % do I put in the interest rate (Apr) column, is it the APR of the loan which was 12.2%? I take it the sheet automatically works out the 8£ compound interest rate in the final column. 4) Is there a letter template to try to claim back these unfair charges from Blemain Any advice would be grateful Regards