In this paper, a general and fully three dimensional multi-body-finite element-boundary element model, formulated in the time domain to predict vibrations due to train passage at the vehicle, the track and the free field, is presented. The vehicle is modelled as a multi-body system and, therefore, the quasi-static and the dynamic excitation mechanisms due to train passage can be considered. The track is modelled using finite elements. The soil is considered as a homogeneous half-space by the boundary element method. This methodology could be used to take into account local soil discontinuities, underground constructions such as underpasses, and coupling with nearby structures that break the uniformity of the geometry along the track line. The non-linear behaviour of the structures could be also considered. In the present paper, in order to test the model, vibrations induced by high-speed train passage are evaluated for a ballasted track.The quasi-static and dynamic load components are studied and the influence of the suspended mass on the vertical loads is analyzed. The numerical model is validated by comparison with experimental records from two HST lines. Finally, the dynamic behaviour of a transition zone between a ballast track and a slab track is analyzed and the obtained results from the proposed model are compared with those obtained from a model with invariant geometry with respect to the track direction.