Anglian Gold account best product i found

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Anglian Gold Account www.anglianhome.co.uk
★★★☆☆
2.6
From 5 reviews
40.0% of users recommend this
  • Customer service

  • Value For Money

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Jinglebombs's review of Anglian Gold Account www.anglianhome.co.uk

“Anglian Gold account best product i found”

★★★★★

written by Jinglebombs on 08/02/2013

I just bought my windows from Anglian and i took the gold account and it is awesome. I have sold finance packages in the past and this is by far the best I have ever seen. You initially get 10% discount for taking it as this comes from Barclays as an incentive to use their product on mine it worked out at £1200. The loan was spread over a max of 10 years but with absolutely no restrictions for early settlement or over payment,meaning that if i cleared it in 2.2 years, it would work out that i had paid no interest on the cash price. By clearing it in a year and a half it makes it cheaper than buying cash and taking an interest free loan!!

the APR is 22.9% but the interest is 1.69%, for those who don't know the difference, the APR is the total amount payable, if you defaulted on every payment for the year and got charged for every default, that would be the rate that you pay back. The interest rate is actually how the interest is calculated so that is the only figure worth looking at. the interest is calculated monthly on the remaining balance so it prevents front loading interest. So anyone who thinks they can get a better deal by paying cash or borrowing money or going interest free and not using this is mad. Sit down and read through the terms and conditions properly! THIS IS CHEAPER THAN INTEREST FREE IF YOU SETTLE EARLY!!

  • Customer service

  • Value For Money

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Bigbloke11's Response to Jinglebombs's Review

Written on: 27/02/2014

You have not sold much finance then have you? or are you a staff member of Anglian? as the plan you mention is aprox 25% apr and you can get so much better, infact i sell a 0.69% per month package from Barclays that has under half the apr. and has no penalty if you pay early ( unlike that one that has a condition Anglian will ask for the 10% discount back) my advise.... dont use them /

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Jinglebombs's reply to Bigbloke11's Comment

Written on: 27/02/2014

You have not sold much finance then have you? nice way to start a reply, so I will respond with apparently more than you if you think 0.69% per month is cheaper than 0% with discount...... 0.69% is still more than what i have paid as i settled in November, less than 12 months after i placed the order which saved me a chunk of change. once again as i said in my original post IF YOU SETTLE EARLY it will be cheaper than if you paid cash or if you borrowed form another lender no matter what the rate. Anglian asking for the 10% back is nonsense, they probably told you that as they probably lose their commission if you settle early. I have not had that penalty imposed and i have also just checked through my paper work and no-where in it does it say that if i settle early that i will lose my 10% discount. Of course if you do run your finance past the 2.2 year mark then you will end up paying over the odds and yes there are much better finance packages out there. also no, i don't work for Anglian, if anything, technically I work for their competition, but i can appreciate good windows and a great finance deal. if anyone is interested I am very happy with the windows themselves although they did forget the child locks on one but came came back the following week and fitted the restriction devices.

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Maggiess's reply to Jinglebombs's Comment

Written on: 15/09/2014

Hello , I'm buying windows from Anglian using their Gold account, so it is not true that I cannot pay off the account before the end of 12 months from the beggining? this is what he told me but i cannot find it in any terms and conditions I signed. I will call the barclays to check it, but sounds like they count on I won't check it...

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