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Are you sure these numbers are right? Is the 19k odd a settlement figure you got from HFC?I originally took out a hp agreement for a laptop for college with them and then when i took up employment they offered me a loan, i was stuck for money so got a loan of 13,700 off them with payment protection....the total amount to pay back is now 23,854 based on an apr of 16.2%. so after a year of paying 397.00 a month i still have 19k odd to pay off...
They have a correspondence address in Ireland too. See .I always found the bank a bit hard to deal with i.e. they used to have an office near where i work but now the correspondence address is england they are hard to get in touch with.
There's definitely cheaper money out there. 13.7 K over 5 years without payment protection would be about eur280 per month.Anyway do you think if i go to my own bank (UB) and explain to them the rate etc they might give me a better offer?
The office in Mount street is closed and their customer service dept is in UK now. The link posted is for Household bank, they DO NOT deal with HP agreements, its for personal loans only so that link will probably be of no use.
The link that I posted directs you to a website that clearly relates to both Household bank (for personal loans) and HFC bank (Retail finance) - click on the Retail Finance section on the left hand side and there is a contact number provided for HFC.
The contact no for the retail section is for the office on Mount st which is closed.
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