Natwest loan terms help?

[asl9791]

Hi everyone, not posted before but looking for some advice.

 

Had to take out a loan 5 years ago for uni and have been paying it off since.

 

I have made some lump sum payments online to reduce the amount etc.

 

However upon calling up natwest today to discuss the possibility of reducing the amount paid each month,

they informed me that as i made the payment online, this automatically reduced the term of my loan vs the amount paid per month.

 

I was informed that had i made the payment over the phone i would have been given the option of which one i wanted.

 

Surely this is not permitted,

if i had options over the telephone shouldn't i have been made aware of this when making the payment over the internet.

 

I can afford the payments but i would prefer to reduce them as it suits me better.

 

Any advice on this would help.

 

I am about to have a read of the t&c of the loan to see what it says

but i can't help but think this is a bit inappropriate to say the least.

[dx100uk]

reduced payments will be against the agreement you signed either way

 

 

you don't want your credit file trashed with AP markers

they never go away.

 

 

how much is left to pay

have you other debts too?

 

 

dx