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Blemain / Together Charges 50k

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Need some advice.


I have had a Blemain Finance loan for a number of years.

I have been in arrears for some of this, some with an arranged payment back period and times without.

They asked me for details regarding buildings insurance and did say that if none were forthcoming they would arrange this.


Over the years I've had hundreds of letters - many of which have just ended up in the bin asking me to contact them regarding this and that.

They have also rang my mobile number many many times and left voicemail messages.


Payment on the account has recently finished last year and they have said that the payment term has finished and I have paid the amount owed.

Now they are telling me that I still owe £50k on the account.


I have asked them how come when the term has finished.

They have said that there is

600 for insurance,

1500 for arranging the insurance

and the rest they are very vague about.


Now I agree that in hindsight I owe them for the insurance

but I am now panicking as to how I am supposed to pay off the 50k given I am 51 and looking to wind down my working life not ramp it up.


They have sent me a very threatening letter that they need payment by 4th Feb or they will seek to default on the arrangement and lose possession of my house.

Help appreciated..... 

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Hi welcome to CAG  Bert   Just a little further background info please.  Was this loan secured on your house? And when was the loan originally taken out.  There will be some advice and options soon, no doubt.

We could do with some help from you.



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Loan was around 2004ish and yes it was secured against the house

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moved you to the blemain forum.


there are 100's of threads here regarding the same scenario..


get an sar running to them to date


sadly very common they charge for everything including if it was raining on the day you made a payment.


99% of there charges are totally unlawful and reclaimable, but as you'll see by browsing this forum yours is now in

ever getting those back or taken off the outstanding is totally another matter.


did you yourself ever have building ins sep to BM?



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