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Blemain/Together strange statements worryingly!!!!!

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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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moved to the blemain forum.

 

I would suspect as with all ocean/blemain/together secured loans

you've collected numerous penalty fees because it was raining the day you paid or one of their other stupid reasons they make up for levying all manner of unfathomable fees.

that will be why its never going down now.

 

get a n sar running

get all the statements..

 

you are in for a shock me thinks..

 

but the good thing is they are aLL reclaimable


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Its utterly terrifying,

I have paid already over £28.5K for a £15k loan but my statement only shows about £6k paid off over 11 years!!.

 

What are they doing to my account.

 

The statement just shows contractual payment due 25 Jan 18 £219.35,

on next line it says Interest charge (14.4%) 110.60,

then next line direct debit payment 2nd Feb £221.98 etc etc for the whole statement with a running total going up and down in far right column which shows a reduction each month of £100-115 off the capital

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is it SAR to Together or Blemain, I believe Blemain are Together now are they not?

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks dx100uk, so just send it to Together as that's who administers my account and are actually still Blemain?

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doesn't matter


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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probably awaiting the SAR return?

was only sent a week ago


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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