Holding(s) in Company

International Personal Finance Plc
29 October 2007


TR-1: Notifications of Major Interests in Shares



1. Identity of the issuer or the underlying issuer of existing shares to which
voting rights are attached:

INTERNATIONAL PERSONAL FINANCE plc

.................



2. Reason for the notification

(please place an X inside the appropriate bracket/s):



An acquisition or disposal of voting rights: ( X )



An acquisition or disposal of financial instruments which may result in the
acquisition of shares already issued to which voting rights are attached: (   )



An event changing the breakdown of voting rights: (   )



Other (please specify) : (   )

.................



3. Full name of person(s) subject to notification obligation:



Baillie Gifford & Co

.................



4. Full name of shareholder(s) (if different from 3) :

.................



5. Date of transaction (and date on which the threshold is crossed or reached if
different):



    26 October 2007

.................



6. Date on which issuer notified:



    29 October 2007

.................



7. Threshold(s) that is/are crossed or reached:



5%

.................




8. Notified Details:



A: Voting rights attached to shares


Class/type of shares if possible              Situation previous to the triggering transaction
use ISIN CODE
                                  Number of shares                   Number of voting rights

ORDINARY SHARES                   2,290,349                          0.89%




                                                  Resulting situation after the triggering transaction
Class/type of shares if         Number of shares              Number of voting rights       % of voting rights
possible use ISIN CODE
                                                              Direct         Indirect       Direct     Indirect

                                                                             13,459,540                5.23%



B: Financial Instruments

Resulting situation after the triggering transaction


Type of         Expiration date   Exercise/conversion period/  No. of voting rights that    % of voting rights
financial                         date                         may be acquired (if the
instrument                                                     instrument exercised/
                                                               converted)
N/A



Total (A+B)
Number of voting rights        % of voting rights

13,459,540                     5.23%





9. Chain of controlled undertakings through which the voting rights and/or the
financial instruments are effectively held, if applicable:



In the narrative below, the figures in (   ) indicate the amount of voting
rights and the percentage held by each controlled undertaking where relevant.

Baillie Gifford & Co, a discretionary investment manager, is the parent
undertaking of an investment management group.

Its wholly owned direct subsidiary undertaking Baillie Gifford Overseas Limited
(3,941,127; 1.5%) is also a discretionary investment manager.

Its wholly owned direct subsidiary undertaking Baillie Gifford Life Limited
(1,655,400; 0.6%) is a life assurance company which procures discretionary
investment management services from Baillie Gifford & Co in respect of its own
account shareholdings.

Its wholly owned indirect (via Baillie Gifford Life Limited) subsidiary
undertaking Baillie Gifford & Co Limited (3,433,071; 1.3%) is an OEIC Authorised
Corporate Director and Unit Trust Manager which has delegated its discretionary
investment management role to Baillie Gifford & Co.





Proxy Voting:



10. Name of proxy holder: N/A

.................



11. Number of voting rights proxy holder will cease to hold:

.................



12. Date on which proxy holder will cease to hold voting rights:

.................



13. Additional information:

.................



14. Contact name:



Myra McIntyre/Scott Russell



15. Contact telephone number:



0131 275 2154

0131 275 2106









Susan Tudor-Coulson

Deputy Company Secretary



0113 285 6868





29 October 2007


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