First National Bank plc Review

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Llanboy's Review of First National Bank plc

16th Oct 2007

Overall Rating

0 stars
  • Value for money
    0 stars
  • Customer service
    0 stars
  • Type of loan e.g. Secured loan
    Secured loan
Good Points

None whatsoever.


Bad Points

Above average interest rate, additional fees, small print in insurance, abysmal customer services, aggressive arrears management.


General Comments

**1st National is now G E MONEY**
I took out a home improvement loan to replace windows, doors, roof, etc. over 15 years. Insured payment protection. Higher than average interest.

Lost job 2 years later, claimed insurance, they paid up for 1 yr then stopped. It's in the small print that they pay for 12 months only.

Continued unemployment means I've run up a couple of thousand of pounds in arrears and they are now moving to repossess my home, despite the fact it's on the market and has ample equity so there is no risk to them.

I've paid them many thousands of pounds in interest and now owe them more than I did on day one!! Interest and penalties have been heaped on month-on-month and I will be landed with thousands of pounds of THEIR legal charges for the privilege of being evicted!

Customer Service staff have been absolutely unhelpful, all they did was pass my details onto another loans company so I could take out another loan to pay them back.

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NameCredit RatingAPRTypical APRMin Loan AmountMax Loan AmountHome Owner  
Alliance & LeicesterGood8.00%8.00%£7,500.00£14,950.00No
Sainsbury's LoansGood8.00%8.00%£7,500.00£15,000.00No
Nationwide LoansBad7.90%7.90%£7,500.00£14,999.00No