Hi everyone, I'm new on the CAG Forum but was directed here by the good folks at MSE. I have long suffered at the hands of Blemain/Together. I foolishly applied for a second charge loan over a decade ago. It has been the (most expensive) bane of my life ever since. I recently received a letter from Together stating that my original loan has now past its term. It says, As you will be aware, your account with us has now reached the end of the original contractual term. As your monthly repayments have not been sufficient to fully repay the balance, the outstanding amount is now due. This may be due to late payments, payments being missed or the application of admin costs to the loan I am requesting SAR from them as I have a feeling that most of the outstanding balance is entirely made up of outrageous charges. I've also been advised to look into an "unfair relationship" with them but I'm a little unsure where to start. The outstanding amount is approx £11k! How can this even be possible when I have paid almost £100k over the past 10 years?!!! Is repossession an option at this stage? They have already attempted a repo a few years ago when I missed some payments. I went to court and duly arranged a repayment plan to clear the arrears. The account has been in good order ever since. Does anyone have any advice on how to deal with this shady bunch? Any help would be greatly appreciated!