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Legal Notices & Policies
A Typical Example:
This example assumes you qualify for and take out a secured personal
loan for £13,000 over 120 months at a typical APR of 10.9%
(variable). Without Payment Protection, there would be 120 monthly
repayments of £174.89. Total repayable £20,986.80. This is a
typical rate. Subject to status, your loan may have a higher or
lower APR than this. Credit card
assumes HSBC Visa at 18.9% APR, store card assumes BHS at 26.0% APR,
both monthly commitments are calculated at 5% of outstanding
balance. Personal loan assumes an unsecured personal loan of £4000
over 24 months at 12.7% APR with Nationwide. Monthly repayments
for a personal loan without insurance, £188.32. Total amount
repayable £4,519.68. Written quotations available on
request. Loans subject to status to homeowners aged 18 and
over. Rates correct as of 24.11.00. For your security and to
help us improve our service to you, calls may be recorded or monitored.
*Subject to
terms and conditions of the policy - less Insurance Premium Tax and
interest charges.
Payment Protection Plan
Should your earnings power be reduced due to sickness,
accident or unemployment, your repayments will be kept up. This is
subject to policy exclusions. In the event of your death, it will
also ensure your partner and family are relieved of the financial
commitment, less any arrears. This is subject to policy
exclusions.
If after five years you have not claimed or settled your loan, you will
be eligible to claim your premium back. This is subject to the
terms and conditions of the policy, and less Insurance Premium Tax and
interest charges.
General Notices
Written quotations available on
request. Loans subject to status in the UK to home owners aged 18
and over.
10.9% APR (variable) is a typical interest rate.
Subject to status, your loan may have a higher or lower APR than this.
YOUR HOME IS AT RISK IF YOU DO NOT KEEP
UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.
Call Monitoring
Incoming and outgoing telephone calls may
be recorded and monitored to improve the services offered by the lender
to you and for security and training purposes.
Commitment to Quality
The lender
strives to be a market leader in all it's activities and in support of
this has embarked on many leading edge quality initiatives including
Investors in People, Wales Quality Award, Business Excellence and
IS014001 Environmental Standard. Further information on any of
these can be requested using the 'Feedback
Form' on this website.
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