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  1. While sorting through some boxes in the loft I came across some old Loan agreements from HFC Bank. The loan was for £1237.00 add £649.40 interest at APR 19.6% The loan has Life covers £187.51 Act/Sick/Unem £215.02 Total £402.53 interest £211.27 @19.6% Total £613.80 On top of this we had to buy a policy called Take 5 which is a 15 year renewable term life insurance TAKE 5 £815.00 Life insurance £123.53 Act/Sick/Unem £141.64 Cost of the policy £1080.17 interest 566.83 @19.6% Total cost £1647.00 Both documents are the same date Jan 1989 I also
  2. Hi There, I wondering if someone can give me any advice on this. In 1989, I lost a house through Neg. Equity. I had a Mortage with two other parties - who did a bunk - with Mortgage Express for 95% and the ramining 5% with Top-Up Mortgage Services. I settled with Mortgage Express and paid a peppercorn rate to Top-Up (£10 per month) ever since. Transcom are now - sporadically - chasing me about the remaining debt, which I had them confirm is not earning interest. I have recieved a form letter from them saying; Do you want to put this debt behind you for Good? We ha
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