First National Bank

[stevvieboi]

i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them,

what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made from me if i had not settled early, and have informed me that this is the type of loan i took out with them, does anyone know if i can claim this back, after all they still got their money back, plus the interest they made of me while i had the loan, and also redemtion fees because i settled early, and also another charge of £59.23 further settlement interest charge,

has anyone got any adice on this and if i can claim this back, many thanks

[stevvieboi]

i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them,

what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made from me if i had not settled early, and have informed me that this is the type of loan i took out with them, does anyone know if i can claim this back, after all they still got their money back, plus the interest they made of me while i had the loan, and also redemtion fees because i settled early, and also another charge of £59.23 further settlement interest charge,

has anyone got any adice on this and if i can claim this back, many thanks

[bennyowen]

stevvieboi,

 

Apart from the interests (which I am not sure), if you have paid any penalty charges in the past as a result of late/missed payments, you can claim them back.

[reidnet]

Hi Stevvieboi,

When you settle a loan early they can use differnet ways to calculate the settlement figure. It depends on what date the loan was taken out to as to which method they will use to Calculate the settlement.

 

I had charges of around £750 added onto my settlement figure when I settled a loan early, I fought it and did get it refunded , as a gesture of Goodwill of course..

 

If you can let us know what date the loan was taken out then I will be able to look into what method they would have used to calculate the settlement figure.

[stevvieboi]

looking for some advice, i settled a loan i ad with first national, but am now going about claiming charges applied to the account, on one form which was my settlement figure i have noticed it hhas got £1902.84 in the settlement figure, for future charges, which has been paid.

Does anyone know what they mean by future charges, and if i can claim this back

thanks for any advice folks

Edited February 23, 2009 by stevvieboi

[stevvieboi]

looking for some advice, i settled a loan i ad with first national, but am now going about claiming charges applied to the account, on one form which was my settlement figure i have noticed it hhas got £1902.84 in the settlement figure, for future charges, which has been paid.

Does anyone know what they mean by future charges, and if i can claim this back

thanks for any advice folks

[stevvieboi]

i took out a loan with first national several years ago, and in the process of claiming back charges they applied to my account with them,

what i am not sure about is i settled the loan off before its end date, and going over the statements have come across a section where they have added on future charges, a charge of 1902.84 after speaking to them it turns out to be because i had settled the loan off early they added the interest onto the settlement figure if it had run its course, after taking the rebate of left a balance of £546.36 intrest to pay on top of the loan, this been the interest they would of made from me if i had not settled early, and have informed me that this is the type of loan i took out with them, does anyone know if i can claim this back, after all they still got their money back, plus the interest they made of me while i had the loan, and also redemtion fees because i settled early, and also another charge of £59.23 further settlement interest charge,

also the misselling of ppi, was informed i would not get the loan if i did not take out the ppi, which was paid by them upfront, but added to my account, the ppi running the course of the loan, even when i paid it of early, i did make a claim on the ppi, which was paid, but can i still claim on this for the misselling?

has anyone got any adice on this and if i can claim this back, many thanks

[rebel11]

Thread moved to correct forum.

[ims21]

Hi

 

You can claim back the PPI and the interest relevant to that plus 8% statutory interest on the amounts paid. Have a read of No.1 in my signature

 

As regards the interest bit and the type of loan you had, you will need to look at the T&Cs

 

Do you have all the paperwor for the loan and the statements?

 

ims

[stevvieboi]

hi does anyone know who now deals with first national, i took a loan out with them several years ago, and now cant find any trace of them, to claim back the mis sold ppi, i thought it might have being ge capitol/money that may now have the details, any ideas anyone

 

cheers

[dx100uk]

type in

 

first national

 

in our search top right

 

there have been some successes.

 

dx

[stevvieboi]

hi folks,

i am trying to pursue a missold ppi by first national bank,

i found an old credit report which shows fnb on my credit history and the address they were trading under,

 

i have googled the address and got the phone number which i have called, and it has given me a new number to call with ge money,

so i now know to pursue them,

 

i also have had copies of my statements sent out, with various charges on it.

 

My ppi at the time of sale was applied for in full and the cost was applied to my loan,

 

however i am not quite sure how much i paid for the ppi policy,

i think it was around £1500-£2000 which was to run the length of the course of the loan,

even though i settled early, also by settling early they applied future charges to the settlement of £1902.84 can this be claimed back

 

and what would be my next step with regards to the ppi

any help would be appreciated thanks

[dx100uk]

several successes with first national

 

see our search top right.

 

yes you can reclaim.

 

see no.1. below

 

dx

[stevvieboi]

hi folks,

looking for some advice if anyone can help,

 

i took out a loan which was done through first national bank,

 

i have a old statement of account,

not the main application,

but not sure if it was first national or a broker going through first national,

 

but i do remember ppi being added to the loan for the full amount,

loan and full charge for ppi added on top of loan,

 

does anyone know who has taken over first national,

 

see posts saying its GE and others saying Santander,

 

and if i have a valid claim

 

any help will be much appreciated thank you

[dx100uk]

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=first+national+bank+plc+ppi&sa=Search+CAG#gsc.tab=0&gsc.q=first%20national%20ppi

[stevvieboi]

thank you dx