Hi Crocky,

After looking at different sites, it appears that FP are increasing rates to different people at different times, as i have seen someone get 2 rate rises this year in Feb and Sep, Welshdresser got a rate rise in Aug. You would have thought that they would raise it for everyone and not just individuals! surely they must be digging themselves into a big hole! I am now starting to think that because i only took out my loan with them in Jan this year, that they are just waiting till i have been with them over a year before they start to raise my rate!

Have just checked my rate out and it says APR 6.9%, so does that mean i am paying 0.57% monthly?