I, too have had the very unfortunate experience of having a loan with Blemain Finance. I have 2 side by side loans for £3000 each. So far, they have managed to charge me over £1000 in charges (telephone calls, late payment fees etc etc)... HOWEVER.... I asked to change the payment date to 3 days later, as my wages went to monthly pay... they agreed... OR SO I THOUGHT. i asked them to confirm in writing, we they refused to do. So, after nearly a year, i pay £164 p/m and they charge me anything between £70 and £140 IN CHARGES!!!!!! I have just recieved my yearly statement... even they are "confused" as to why I pay at the end of the month, then they phone me (after) at the start of every month, charge me for it, send a letter, charge me for it and call me again... all at £35 a charging fee.... AFTER THEY RECIEVED PAYMENT !!! Idiots. I can see no other alternative than to instruct a solicitor. Any ideas anyone????? Thank you.