Hello Andy, thanks for getting back to me.
Yes, I have all the documents.....
Just continuing from my first post I contacted Blemain/Together in November 2017 to get an update/status on our loan etc...I told there Customer Services Department that I would like to lodge a compliant regarding three points :
Firstly - PPI being added to the loan at the start, hence £31k and not £25K which we applied for. We clearly checked the box on the application that no PPI was required.
Secondly - Our monthly repayment since 2006 as been on £31k and not £25k
Thirdly - Unfair and inappropriate charges for missed payments. Our beef is that due to us paying monthly payments on £31k and not £25k this contributed to falling into arrears.
I would say that all arrears were paid up and the account is running on track.
We received correspondence from Blemain/Together confirming acknowledgement of our compliant which basically said they would investigate however this could take a few months etc.
So correspondence was received regularly, monthly from them just saying they were still investigating etc. One of the letters received a few months later said that our PPI was sold by a broker, Loan Line Ltd but Loan Line were no longer trading so Blemain/Together could not help with the PPI element. I went back and told them as far as I was concerned firstly we didn't ask for PPI and secondly we had never had any contact with Loan Line and our contract was with Blemain/Together etc. unfortunately this was still rejected by them and they told me to contact the FSCS...which we did....