.....but their customer service is a disgrace
(1) Its variable rate of APR, which I accept, but WHY NOT REDUCE THE RATE WHEN THE BASE RATE GOES DOWN ?
(2) Had had an emergency that cost me £500 so I asked for a payment holiday to get back on my feet. They refused, but the person on the phone said "You need to pay or you will receive a re-posession order"
I accept that I am responsible for the majority of my debts because of previous problems. but why don't these creditors help us out more ? With the Global Credit Crisis , surly its in their best inerests too, to help people to preven their COMPANIES from going down.
To respond to some of the answers already given.
(1) This loan was taken out after a relationship break up, and I am not complaining about the fact that is variable rate, I am simply pointing out that when rates go down, the cost goes down, as is the case with a Mortgage.
(2) I agree that it is too easy to get credit, but what I object to is the rudness that they used on the phone. I am still a "customer" and have right to customer service. Having debts does not make a person any less deserving of proper customer service.
(3) When my car developed a mechanical fault that was quoted at £1600, id imagine that very few people would have that kind of money tucked away.
(4) My lodger lost her job and was unable to pay rent...again, a situation out of my control, so please don't judge me.
I do accept resposnibility for my debts but a number of UNFORSEEN CIRCUMSTANCES are what prompted me to call 1st choice.
All those of you who seem to be judging me, I only hope you never go through any difficulties outwith your own control.
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