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Hi, I have a secured loan that I got via Ocean Finance which turned out to be Blemain (now Together). Amount £15k Term 180 Months Taken out Jan 2007 End of term Feb 2022 I have always paid , no issues or missed. Only change by me was a monthly payment date due to change of employer and salary into account. I phoned the other month to change this again to a suitable date and was told I had to pay off arrears from previous change of date years ago??!! They adjusted my monthly payment to cover the shortfall about £2.53 per month difference? I didn't change the date this time either and stuck with it as per years gone by. That is it no other issues at all. Happily ticking along I think great just 4 years to go, however I had my statement today from them and it says in bold my current monthly payments will not cover the loan at end of term I have paid exactly what was set out by the loan provider from start, its a 15 year loan end of surely. I have paid £219.35 for 128 months and £221.98 for last 4 months and my balance is still £9105.11 which seems a lot as I only have 48 months left to go. Never have I been contacted by them. What is going on ? Any help as this has knocked me for six.
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