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Author: admin | Category: Calculatrice Pret Auto | Date: 16.05.2015

With the help of two members of the Site Team we have put together a handbook which we hope will be of use to anybody using this forum ? especially newcomers. Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you. An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim. So far I have requested my CCA from HSBC for my Flexi Loan, this has not been recieved so I have sent them an Account Dispute letter. HSBC have acknowledged my initial request and informed me that they are looking into my request. However, I have recently recieved a Default Notice which served me less than 10 day to comply. Can any advise me on how to play this, I have been told that they must give a minimum of 14 days! PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences. IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice. If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Just recieved a demand for the immediate payment for thull balance of my flexiloan, bank account overdraft and all arrears including lots of penalty charges. HSBC have now grouped together my loan balance with my bank overdraft an passed to Metropolitan as bellow.
Received another letter from Metropolitan which is referenced with the account number for my bank overdraft.
Still know sign of my SAR which was posted on the 4th June, over the specified 40 day period.

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The letter itself is also dated the 29th April, so they have shot themselves in the foot, without me keeping the envelope, as they have only allowed 10 days if I recieved it the same day! For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are. A high credit score, healthy repayment record, bigger pay package and so on do not fetch any discount in interest rates. Obviously you don't want to alert them to the defective default, so your best bet would be to sit back & wait for them to close the account. That is why products with flexible interest payable are a big innovation in the home loan space.
Although they are nowhere as popular as the regular home loans, banks such as SBI, Citibank, Standard Chartered, HSBC, among others, offer loans where the interest payable can be flexible.
THE WORKINGS These products - called flexi or smart loans - come with some variations, but they work like 'sweep-in, sweep-out' deposits. Now, such deposit accounts automatically transfer funds that cross the threshold limit in your savings account into a fixed deposit. This helps you take care of your emergency needs and earn higher-than-savings-account return at the same time. You have the option of withdrawing the unused amount as per the limit sanctioned," says VN Kulkarni, chief credit counsellor with the Bank of India-backed Abhay Credit Counselling Centre. It could especially benefit borrowers who may have bought an under-construction property, with payments made to the builder being linked to the stage of construction. If you have a flexiloan, you can withdraw funds only to the extent required and thus save on the interest outgo.

If you have parked your entire salary on the first of the month and have not withdrawn any amount say till the 10th, you will save interest on the loan to that extent," explains Kulkarni.
This will enable you to bring down your interest cost and ultimately the repayment period." This feature could also spur you to use your income judiciously. You can look at parking as much money as you can in the linked current account to reduce the interest burden.
With a regular home loan, on the other hand, a tendency to splurge the amount remaining after paying EMIs sets in. WATCH OUT FOR THE PITFALLS "The rate of interest is usually higher than that of regular home loans," points out Madan Mohan, independent loan counselor. There could be other services charges, too, which a regular home loan does not levy." Therefore, study the terms and conditions carefully. This apart, you should go for this facility only if you are sure about making optimum use of its features. Remember, this facility will work to your advantage only if you diligently park your surplus funds into the account regularly. GAUGE ITS SUITABILITY Though the concept may seem attractive, it may not fit into the requirements of all borrowers.
They can make good use of their surplus money, which otherwise would have been parked in lowyielding savings bank account.
Likewise, all those who find that they can pay more than the stipulated EMI every month could also consider such facilities," he adds.

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