we had a loan with blemain, which I will admit we didn't run well,
however we got right through the 99 month term and paid as per the instructions and monthly agreed amount.
However after the loan term ended I contacted them to make sure that we were clear
and got told we still owed £14009
as far as I can see from the breakdown they have sent me this is charges for missed payments/letters/phone calls etc etc,
but this is nearly 50% of the original amount we borrowed and just seems completely and utterly wrong,
I got in touch with the ombudsman but because its an unregulated loan there was nothing they could do,
I have had to agree to pay £245 per month until this is cleared,
but I just don't feel right doing this,
can someone please help,
as I really don't know which way to turn,
if I don't pay the monthly fee agreed they have threatened repossession.