First National Bank

Advantages: None whatsoever
Disadvantages: rip off interest, don't help the customer, too much to mention.

...house. The kitchen people recommended First National's home improvement loan. We needed £3,000 for the kitchen. The loan they sold is also widely used by double glazing companies and other home improvement centres. It is the biggest rip off ever. Extortionate interest is charged, if you don't pay more than you should. I didn't read the small print properly enough, to my regret. They sell the loan that if you pay more than the basic amount you pay ...
...got a shock when the first years statement arrived, out of our £75 a month, only £25 a month was coming off the amount owed, the other £50 was interest. I duly contacted then, saying this can't be right etc, but it was. I asked them to change the loan, to freeze the interest just like all those advice programme say to do, but no way would they do it. I tried the debtline companies, Citizens Advice Bureau , none of which were any good. I was so worried ... Read review

Advantages: Gave us a loan
Disadvantages: Messed up the payments, set up two accounts for the same thing

...is quite understandable, however our first payment had been taken out of the bank account so as we had got the finace through the fitting company all we could do was advise them to contact the lenders ie first national. The following month another payment was taken but it was double the agreed amount including a missed payment charge of £20 so we contacted the bank and was told we had not made the first payment they said they could not find it on ...
...Eventualy it emerged that first national had set up two accounts for the one purchase but this took about 4 months to sort out, so we got another loan and paid of the first national loan as we were feed up of being messed about. That next month we had a payment go out to them even though we had paid everything we did notice however it was a smaller amount than before so we rang to query and after much transfering of departments we got through to ... Read review

Here is a little story that thank God didn't turn into a nightmare, thanks to ciao about the reviews on 1st National bank. 1st NATIONAL BANK(STAY AWAY) was going to give me a loan within a few hours and they even sent someone in my flat with the documents for me to sign. I thought that was very strange! The guy who was from RELAX FINANCE(ALSO STAY AWAY)met me at my place and straight away gave me the papers to sign. He also gave me a note explaining that he won't be able to advise me on my loan application and he is here to take details and signatures from me. In the end he left the application... more

...and went off back to his office. I read through and it was bad news all together. I went on the net to read reviews and i found ciao. Thank you!!!!

Advantages: They're not allowed to come around & smash your knees with a hammer.
Disadvantages: Most aspects.

First National Bank plc / GE Money Home Lending. Account difficulties. As this company is currently proving more accommodating and holding out an olive branch, I have removed my previous review and reserve my comments. First National Bank plc / GE Money Home Lending. Account difficulties. As this company is currently proving more accommodating and holding out an olive branch, I have removed my previous review and reserve my comments. First National ...
...an olive branch, I have removed my previous review and reserve my comments. First National Bank plc / GE Money Home Lending. Account difficulties. As this company is currently proving more accommodating and holding out an olive branch, I have removed my previous review and reserve my comments. ... Read review

Advantages: 5
Disadvantages: 200

I am low paid part time worker and after thinking and deciding for 6 months i finally built the courage to buy pc from tiny computers. on the 29 march 2000 It was impossible for me to pay the large sum of 1200.00 so just blindly took the interest free option. I did not realise that i am being forwarded to a company named 1st national and that they had their own contract rules and i was not told this. We were told that we are to clear the balance ...
...of regular direct debits of 41.50 per month, i could not make the final payment on the 8th as it was a sunday. We had a family problem on monday and i made the payment on Tuesday that a mere two days late. I was devasted to find out that i was charged the whole year's interest fee on my pcm which came to £400. I honestly could not afford it. I was told to read my contract for the rules. I did and it was very hidden and unclear. Nobody would notice ... Read review