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They refuse to renegotiate your interest under the guise that the interest rate is fixed whereby other FSPs are able to renegotiate a fixed interest rate. I tried to get them to calculate how much id finish the amount by if I increased the monthly amount and still I got reduced by 3 months which is a *******. The staff are not helpful at times. wow this bank is just frustrating.

Do yourself a favour and never take a loan from them. I was desperate and I regret it immensely.