Blemain finance CCJ's - charging me late fees
newbie to the site and require help.
Already searched many of the threads and a lot of information to digest as well as it all being abit confusing.
I have 2 secured loans with blemain finance
they have county court orders dating back from 2010 for arrears of aprox £2000 on each account (£4000)
was ordered to make payments of £200 on each account to pay off the loan as well as the arrears.
I have maintained these payments month by month but i still occurred monthly arrear charges of £46 if my payments were a few days late
and also interest on the outstanding arrears.
I have notified them that i may be few days late with payments,
to which they say 'nothing can be done as the courts have ordered for payment on the specific date'.
I made a complaint and spoke to a manager in the collection department who told me that the charges were fair and regulated by OFT
and were not excessive and reflect the cost for being in arrears.
He took my complaint and advised methat the response i will receive will be no different from what he has already told me (very arrogant of him).
I have done a SAR ( thanks to the advice i have read on this website as unaware of it previously) and will be anticipating for the information.
I believe £46 is excessive and unfair for monthly arrears and also read elsewhere that another borrower is being charged £35.
Could blemain justify charging me £11 more?
Also has anyone successfully claimed these charges back from blemain?
Can i also claim back the interest charged on these arrears?
These arrear charges and the interest on the arrears are never ending and putting myself into further debt.
I dont think i would ever be able to pay off the loans with this arrangement.