Debt Consolidation

JST Financial Solutions Limited registered No 6050793, Licensed under the Consumer Credit Act 1974 No 597164 to carry on the business of consumer credit, credit brokerage, debt adjusting and debt counseling.
Credit Brokers No 597164. Data Protection No Z9763823

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The Website.
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JST Financial Solutions Limited reserves the right to alter the contents of this website at any time without notice to you. Your continued use of this site implies that you accept to be bound by any updated version of this site.

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The basic principles
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Two types of cookies are used on the Website: Session Cookies which are temporary cookies that remain in the cookie file of your browser until you leave the Website. Persistent Cookies which remain in the cookie file of your browser for much longer (though how long will depend on the lifetime of each specific cookie). Cookies can help a website to arrange content to match your preferred interests more quickly. Most major websites use cookies. Cookies cannot be used by themselves to identify you.

* How we collect cookies on the Website and what information we collect
 
Session Cookies: To allow you to carry information across pages of the Website and avoid having to re-enter information. Persistent Cookies: To help us recognise you as a unique visitor (just a number) when you return to the Website and to allow us to tailor content, advertisements and the presentation of the Website to match your preferences. To compile anonymous, aggregated statistics that allow us to understand how users use the Website and to help us improve the structure of the Website. We cannot identify you personally in this way. 
* Third Party Cookies. 
Third parties serve cookies via the Website. These are used for the following purposes: To serve advertisements on the Website and track whether these advertisements are clicked on by users. To control how often you are shown a particular advertisement. To count the number of anonymous users of the Website to provide security within transactions.
* Use of Web Beacons 
Some of our web pages may contain electronic images known as web beacons (sometimes know as clear gifs) that allow us to count users who have visited these pages. Web beacons collect only limited information which includes a cookie number, time and date of a page view, and a description of the page on which the web beacon resides. We may also carry web beacons placed by third party advertisers. These beacons do not carry any personally identifiable information and are only used to track the effectiveness of a particular campaign.

DATA PROTECTION NOTICE USE OF YOUR INFORMATION
- In considering your application the Lenders will each search your records at the other agencies (the full details of which are set out below) and will add to your credit record details of that search and your application. This will be seen by other organisations carrying out later searches. By sending information to us in any form, you give JST Financial Solutions Limited and their associated partners the permission to respond in the form of email, text messages, fax, and mail or by telephone. The Lenders will also add to your credit record details of any agreement you enter into with the lenders, the payments you make under it and any default or failure to keep its terms. It is therefore very important that any information you provide to the Lender is accurate because they will check your details with the Other Agencies, and if you give them false or inaccurate information and/or they suspect fraud, this information will be recorded by them and be available to other organisations carrying out later searches. 
 
The Other Agencies records will be used and searched by the Lenders and other organisations to: 

(1) Help make decisions about credit and credit related services for you and and members of your household. 
(2) Help make decision about motor, household, credit, life and other insurance proposals and insurance claims for you and members of your household.
(3) Trace debtors, recover debt, prevent fraud and to manage your account or insurance policies.
(4) Check your identity to prevent money laundering, unless you furnish the Lenders with other satisfactory proof of identity.

In addition, the Lenders and the Other Agencies will also use these records for statistical analysis about credit, insurance and fraud. Your application will be submitted as required by ourselves to obtain finance for you. Your finance proposal will be submitted to the relevant finance company, in assessing your application, finance companies will make enquiries about you including searching your records held by Equifax Plc and/or Experian Ltd (or any other credit reference agency from time to time) and checking your details with CIFAS and/or HUNTER (or any other fraud prevention agency from time to time). The credit reference and fraud prevention agencies will each keep details of any search. This information may be used to help finance companies and other organisations assess the financial risks of dealing with you and other members of your household, to help make decisions on insurance proposals and insurance claims, to administer agreements with you, to help prevent or detect fraud or other crimes and recover debts and for statistical analysis about credit and about insurance and fraud. If you give false or inaccurate information and fraud is suspected then this will be recorded. The finance companies may use a 'credit scoring' or other automated process in deciding whether to accept your application. This may involve searching your records again at one or more credit reference agencies (who will keep details of the search) as well as using other information they hold about you.

We confirm your consent to the use of your personal information for these purposes. We will disclose your personal information:

To our agents and Sub-contractors (including those based outside the European Economic Area) under a strict code of secrecy and security 
To any person to whom we transfer our rights or obligations under the agreement.
If we are compelled to do so by law and for fraud prevention purposes 
To licensed credit reference agencies to help us and others make credit decisions.
To third parties to enable them to provide details of products or services you may be interested in.

Marketing Information: By accepting our terms and conditions you, the applicant agree that JST Financial Solutions Limited and associate companies may solicit by mail, e-mail, text message, or by telephone for any further products including home collections services. JST Financial Solutions Limited will retain information provided by you on computer. One of the ways your information will be used is to send you information or phone you about other products or services offered by JST Financial Solutions Limited or other carefully selected companies.

Please could all applicants take the time to read the following correspondence as it explains how the lenders use CIFA’s, one of the UK’s fraud prevention services, prior to them making their lending decision.
	

In applying for a loan we will use credit-scoring or other automated systems to assess your application and verify your identity.

We will search your records through credit reference agencies who will supply credit information as well as information from the Electoral Register.

They will always record details of this search.

We and other companies may use these records and other information to make credit and insurance related decisions about you, and help manage your account.

The records may also be used to make credit decisions about your current spouse, partner or any other individual identified as being financially associated with you.

We will check your details with fraud prevention agencies.

Should you provide false or inaccurate information and we suspect fraud, we will record this and the information may be used by law enforcement agencies.

We and other organisations may use these records and information recorded by fraud prevention
agencies in other countries to prevent fraud and money laundering.

Further details can be sent to you explaining how your information may be used.

By proceeding with your application, you have agreed to our Terms and Conditions in full.



You have a right to receive a copy of the information the Agencies hold about you if you apply to them in writing and pay a fee.

Equifax PLC
Department 1e,
PO Box 300
Glasgow
G81 2DT.
Tel 0990 143700

Experian Limited
Consumer Help Service,
PO Box 8000,
Nottingham
NG1 5HF.
Tel 01159 768747

CIFAS
4th Floor - Central House
14 Upper Woburn Place
London
WC1H 0NN
      
By accepting our terms and conditions you confirm that you have ensured that all details given are, to the best of your knowledge correct.

For your protection JST Financial Solutions Limited will ensure that any loan or finance will be regulated by the Consumer Credit Act 1974.
If you would like to know more about the protection and remedies provided under The Act you should contact either your local Trading Standards Department or The Citizens Advice Bureau.
      
Typical loan example: £4,000 x 36 months at £157.15 per month total payable £5706.40 APR 28.1% variable, subject to status and affordability.
      
Further details and written details available at http://www.jstfinancial.co.uk.

I agree to the terms and conditions

Debt Consolidation - Articles - Index

	Debt Management:-Informed Advice on Debt Consolidation Management
	Informed Advice on Debt Consolidation Management There are many ways of borrowing money and most of us will have taken advantage of various offers from time to time to acquire cars, furniture, holidays or, and most importantly, the home we live in. As time goes by, credit card debt can become... Read Full Article »

	Debt management:-What are the disadvantages of bankruptcy?
	What are the disadvantages of bankruptcy? It might sound like a strange question, but is it? Bankruptcy has never been a 'good' word or one which you would be proud of being able to apply to yourself. However, in recent years an economic boom has ended and a deep recession looms. Resultantly, more... Read Full Article »

	Debt management:-Advice on Debt Recovery: What Should I Do?
	Advice on Debt Recovery: What Should I Do? Introduction There are two fundamental approaches to debt recovery. The first of these is to reduce your monthly expenditure to a level at which you can comfortably service your debt, without denying yourself essential items, such as mortgage or rent repayments,... Read Full Article »

	Debt Management - The Safest Way To Become Debt Free
	Debt management allows some borrowers to reel in their expenditure and income back to the right balance without resorting to further borrowing. As with all types of debt solutions there are pitfalls to be aware of and this one may not be right for everyone. If your debts have spiralled out of control... Read Full Article »

	Debt Management:-What Is the Purpose of Bankruptcy?
	What Is the Purpose of Bankruptcy? When an individual or organisation is unable to pay their debts, they may legally declare bankruptcy. Most bankruptcies are initiated by the people who cannot pay their creditors but in some instances it is the creditors who claim bankruptcy for a debtor in an effort... Read Full Article »

	Goverment Consolidation:-What Is An IVA And How Do I Apply?
	What Is An IVA And How Do I Apply? Individual Voluntary Arrangements (IVAs) are the government's preferred debt management tool as they enable debtors who cannot repay their debts to reach an agreement with their creditors. An IVA is a legally binding contract between you and your creditors whereas... Read Full Article »

	Debt management:-What Is Debt Consolidation?
	What Is Debt Consolidation? Britain, as a nation, owes over £1 trillion in debt, so if juggling payments to more than one lender is becoming a tricky task, you are not alone. Most people pay at least the minimum amount required for each debt to each of their creditors, which in some cases may be numerous.... Read Full Article »

	Debt Consolidation Loan:- Should I Consider Bankruptcy and What Are The Advantages
	Should I Consider Bankruptcy and What Are The Advantages It is all too easy for debt to get out of control. Mostly this is due to an unforeseen change of circumstance such as a bereavement, separation or divorce or loss of job due to redundancy or ill health. Whatever the reason it usually means... Read Full Article »

	Debt Consolidation:-Get Advice About Managing Debt Recovery Now
	Get Advice About Managing Debt Recovery Now Recovering unpaid debt is one of the more challenging and frustrating activities to perform unless you have been trained and have the necessary systems to facilitate timely communication and follow up. There are two generally accepted approaches to managing... Read Full Article »

	Consolidation Loan:-Loan I Apply for Debt Consolidation?
	Can I Apply for Debt Consolidation? Debt consolidation is about taking all your various loan arrangements and turning them into one single obligation with a lower monthly payment than all the previous loans individually. Over time, you may have taken loans for a variety of purposes such as to... Read Full Article »

	Consolidate:- What is Debt Management?
	What is Debt Management? As time goes by, we all naturally fall into different credit and loan arrangements that seemed perfectly natural at the time we entered into them. Whether it was the mortgage for the house, the low interest loan for the car or the six month interest free period for the furniture... Read Full Article »

	Have We Seen the Last of Retailers Going Bust?
	The recent high-profile collapse of administration in Woolworths' and MFI has brought into sharp focus the extent of the economic downturn, which is affecting not only Britain, but also most of the developed world. If a company that has traded on British high streets for nearly 100 years, survived the... Read Full Article »

	2009 – Will It Continue into Recession?
	Opinions differ as to the length and severity of recession. Cabinet minister, Tessa Jowell, recently said that it was expected to be "deeper than any that we have known", but the answer to this question is, unequivocally, "Yes, it will." The technical definition of recession is a decline in economic... Read Full Article »

	Administration Orders – Why Large Companies Call Them In
	The difference between an administration order and a winding-up order is an important one; an administration order is an interim measure, designed to restore the fortunes of a flagging company, while a winding-up order is designed to bring the life of such a company to an end. While it is true that some... Read Full Article »

	House Prices – Will They Go Down To 2003 Prices?
	The housing market in the United Kingdom has undergone two major "boom and bust" cycles, that is, periods of rapid house price increases followed by periods of falling prices, in the past two decades and the truthful, albeit unhelpful, answer to this question is that nobody really knows. Even the Council... Read Full Article »

	What are the Difference Between IVA and Debt Management?
	If you are experiencing serious debt problems, if your monthly outgoings regularly exceed your income, and you have "maxed out" all possible lines of credit on credit cards, personal loans, etc., it may well be that a debt management plan of one type or another could be beneficial to your financial and... Read Full Article »

	What's in Store for the financial New Year?
	2008 will long be remembered for the worst financial crisis since World War II, not just in the United Kingdom, but also across the world. The so-called "credit crunch" is a term virtually unknown just over a year ago. It has effectively been responsible for wiping 15% off housing prices in the United... Read Full Article »

	Why Could Debt Management Be Right For Me?
	Debt and the management of debt is a real problem for many consumers in Britain. In the aftermath of the "credit crunch", many consumers are accumulating debt by paying for food, fuel, and other basic necessities with credit. This is typically with a credit card, or cards on a scale of, on average, each... Read Full Article »

	Will a Consolidation Loan Save Me Money?
	The answer to this question depends on the characteristics, particularly the interest rate and the repayment term of the consolidation loan that you choose in the first place. It also depends on your own self-discipline in managing your personal finances in such a way as to allow a consolidation loan... Read Full Article »

	Can I Get A Consolidation Loan?
	The average British household is in debt to the tune of nearly £10,000, excluding mortgage debts so it is easy to see why many consumers face the problem of juggling repayments on credit cards, personal loans, etc., if not on a daily, then certainly on a monthly basis. Furthermore, making the "minimum"... Read Full Article »

	What is Debt Management?
	There is no one answer to this question because "debt management" can mean different things to different people depending on their level of debt and their precise financial circumstances. Essentially debt management is the process of reducing monthly repayments on credit cards, loans and other credit... Read Full Article »

	Debt Management – Can I Save Money?
	Prior to the "credit crunch" falling interest rates coupled with a buoyant housing market caused many borrowers to live beyond their means, borrowing excessively and leaving British banks dependent on wholesale credit markets to the tune of more than £600 billion. The credit crunch, which started with... Read Full Article »

	Consolidation \| Debt Management – Can It Help?
	The simple answer to this question is, "Yes it can". The secrets of effective debt management however, are to recognise that you are experiencing debt problems in the first place – if you are, you are not alone, with more than 5 million British consumers having missed credit card repayments, for example,... Read Full Article »

	Debt Management Companies \| Consolidation Centres
	Debt "avoidance" is obviously better than debt "management", but in modern society – where people are more inclined to live for the "here and now" rather than saving for the proverbial "rainy day" – such advice may be as effective as shutting the stable door after the horse has bolted. In fact, British... Read Full Article »

	Consolidation Loans with Bad Credit
	Debt consolidation is the process of amalgamating multiple debts – credit cards, loans, hire purchase agreements etc. – into a single debt. This involves taking out a further "consolidation" loan for the total amount of existing borrowing. Or perhaps a little more, depending on the terms and conditions... Read Full Article »

	Consolidation Loans
	The total personal debt in the United Kingdom at the end of September stood at more than £1,000 billion – an increase of just over 5% in a 12-month – so if you are feeling the effects of the credit crunch, and juggling monthly repayments on credit cards, loans, etc., you are certainly not alone. One... Read Full Article »

	Typical Example of a Debt Management Plan
	Typical Example of a Debt Management Plan Debt management is not for everyone; however this is a client on the books of a JST Financial debt management company. The debt management’s companies client has was made redundant due to the credit crunch, the company she had been working for the past 5 years... Read Full Article »

	Debt Management what you need to know!