Hi Crocky, i think i put her right on the spot with a few questions that she didn't know how to answer, hence why i was put on hold a few times, obviously to get help off someone else on how to fob me off! Gonna e-mail F/P in the morning with reference to the phone call i had with them today, and will wait for Aly's reply before going to ...

Good evening all, and happy new year, not been on here for a while as iv'e been waiting for F/P to do a deed of postponment for my re-mortgage and didn't want to jeopodise it! with that sorted it's now back to sorting them out! Have been on the phone to them today about interest rates and got told that they aren't dropping them ( ...

Evening Aly, It is getting harder to see how FP can follow any sort of base rate with their increases and decreases, by the looks of it they are playing it any way they want, they obviously don't expect anyone to cotton on to the way they are doing it! Just remember Aly, "he who laughs last, laughs longest", we'll have our day ...

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 ...

Aly, i think Firstplus have shot themselves in the foot with the way they work their interest rates, as i was loking on the Martin Lewis site and noticed that someone had a rate rise twice this year in Feb and Sep and a decrease in Apr! i havent had one myself but only got the loan in Jan 08, i honestly think now that they will wait till i have ...

Hi Aly, make sure you keep a copy of all correspondence with Firstplus as evidence that you have been trying to sort it! I checked out Martin Lewis's web site that you mentioned and was shocked at the amount of people that look like they heve been stung with the PPI, i'm so glad that i didn't take it out myself, but feel for the folk ...

Hello Crocky, I don't have a barclays card but i can see where you are coming from on this! tha way it is at the moment firstplus have us by the short and curly's, and because no one has made a fuss they are happy to carry on, time to turn the table on them!

Hi Crocky, i didn't take out the ppi as i have my own unemployment insurance in place, as for the redemption, it is at 2 months interest! i am adament that i will get past it as it stinks! i could understand if it was a fixed rate, but to have a redemption fee on a variable rate beggars belief!

I took out a secured loan with firstplus in January of this year, i have been on the phone to them twice in the last 3 months to see if they are dropping their rates, but never get any joy off them! i will now take the advice off this thread and will be writing to them in the morning. One point that i find hard to beleive is that there is a ...