January 2009 - Product Reviews

Unsecured Loans - Can unsecured loans become secured?

Can unsecured loans become secured? To those who haven't been reading the UK press recently the title question might seem ridiculous. 'Can unsecured loans become secured?' might be responded to with the words: 'Of course not, they're entirely different. One places your house at risk if you ... More

Payday Loans - Same Day Unsecured Loans

Same Day Unsecured Loans Introduction A same day unsecured loan, as the name suggests, is a loan that requires no security or collateral – and usually no credit check – and is available immediately, or at least within a few hours. Often referred to as a "payday loan", a same day unsecured ... More

Unsecured Loans - The Basics of Borrowing with Personal Loans Explained

The Basics of Borrowing with Personal Loans Explained Introduction If you are considering borrowing money from a bank, or building society, you need to think, specifically, about why you want to borrow the money in the first place, and how you want to pay the money back. If you are looking ... More

Unsecured Loans - Are unsecured loans and personal loans the same?

Are unsecured loans and personal loans the same? A search for personal loans on any major search engine will yield results for a high number of unsecured loan deals. Which begs the question: 'are unsecured loans and personal loans the same thing?' However, the answer is actually no. It's easy ... More

Debt Consolidation - What does the Citizens Advice Bureau (CAB) do about debts?

What does the Citizens Advice Bureau (CAB) do about debts? These days it's hard to find someone who isn't at least a little in debt. Then again, there are many people out there so aware of the risk which debt presents us that they refuse to get a credit card or take out a loan at all; they can ... More

Unsecured Loans - Is a Bad Debt Loan right for me?

Bad Credit Loans – What are they? Bad Credit Loans (also known as poor credit loans) are essentially loans for those of us with a bad credit history. You can take out bad credit loans for a range of purchase needs. You might need one to make ends meet on a month when you have unexpected ... More

Bank Accounts - Shall I save my money or spend in 2009?

Shall I save my money or spend in 2009? Because of the way that banks collapsed in 2008, many of us are now asking whether it's a good idea to spend or save in 2009. However, some experts are saying that 2009 will be the year for saving rather than spending and others say the opposite. It's... More

Unsecured Loans - How Much Can I Borrow Unsecured?

How Much Can I Borrow Unsecured? Borrowing with an unsecured loan sounds risky but actually it is probably less so than you think. You are not required to provide security or collateral against the amount you are borrowing whereas a secured loan is usually taken out against the value of your ... More

Unsecured Loans - Tenant Loans - Are They Just For Tenants?

Tenant Loans - Are They Just For Tenants? If you are planning a wedding, a trip of a lifetime, or need to trade in your wreck for a new model of car, occasionally a one-off cash sum is needed to fulfil these needs. Those who own their home will have access to a wide range of remortgage and both... More

Unsecured Loans - Unsecured Loans and CCJ Explained

CCJ Explained A County Court Judgement (CCJ) is a ruling that has been issued by a County Court or higher court that relates to an individual's inability to pay their debts. If you are having difficulty paying a debt, you may receive a letter informing you that a County Court Claim has been... More

Debt Consolidation - Consolidation Loans With Bad Credit

Consolidation Loans With Bad Credit If you are one of the many people in the UK (approximately one in five) who are struggling with bad debt and paying off a number of credit cards and loan repayments, finding a solution when you are already in bad credit can be daunting. In today's current ... More

Vehicle Loans - Do I need PPI and Gap insurance when buying a car?

Do I need PPI and Gap insurance when buying a car? PPI and GAP insurance are additional add-ons included in many mainstream car credit agreements. However, how important are they? The salespersons seem to think they're essential, but finance experts have been very critical of PPI and GAP ... More

Unsecured Loans - Can My Existing Unsecured Loans Be Consolidated?

Can My Existing Unsecured Loans Be Consolidated? Despite the rather negative sound of an unsecured loan, which is essentially the nature of most personal loans offered by today's banks, in reality they generally carry far less risk to the borrower than the secured loans. A secured loan ... More

Debt Consolidation - Can I Contact My Creditors Myself & Lower Payment?

Can I Contact My Creditors Myself & Lower Payment? Introduction The simple answer to this question is "Yes, you can" and you probably should if your debt problem is temporary and you do not have many creditors. If you are – like many other people during the current economic downturn – ... More

Unsecured Loans - Unsecured Personal Bad Credit Loan

Unsecured Personal Bad Credit Loan If you are in arrears with a credit card or loan, have been late or missed payments, or have a CCJ (county court judgement) you will have bad credit. An estimated 1 in 5 people in the UK have bad credit - it can happen to anyone, and if you find yourself with ... More

Debt Consolidation - Government Debt Plans: What Does This Mean?

Introduction For the past decade, former Chancellor of the Exchequer – and now, of course, Prime Minister – Gordon Brown has been telling the British public not to worry about borrowing too much. Not that there is inherently anything wrong with borrowing at a reasonable level – for the purchase... More

Unsecured Loans - Personal Laons: Motor Insurance on Finance

Motor Insurance on Finance Introduction Legally, to drive a car or a motorcycle in the United Kingdom you must take out a motor insurance policy of some kind. Comprehensive motor insurance provides cover for all eventualities, including accidental damage to a vehicle, fire, and theft. Third ... More

Debt Consolidation - Contact us about advice on Debt Consolidation Management

Contact us about advice on Debt Consolidation Management Along with asking us for advice, there are many places you can turn for free, ethical, advice on debt problems such as charities and the UK government. If you have asked for guidance already and been told that debt consolidation could be ... More

Debt Consolidation - Can an online debt specialist website help you with debt management in the UK?

Can an online debt specialist website help you with debt management in the UK? If you're in a lot of debt and worrying about it, sometimes it feels like there's no help out there for you, but in reality, there is. Online debt specialist websites can help you in the UK and they can even help you... More

Unsecured Loans - V5 Loan - Log Book Car Loans - Are They A Good Idea?

V5 Loan - Log Book Car Loans - Are They A Good Idea? There are many reasons why people take on a secured loan – some because they have an unfavourable credit rating, others because they require a fast loan that will supply funds today and has a simple application process. V5 loans, or ... More

Debt Consolidation - Can I Apply for Debt Management?

Can I Apply for Debt Management? What is Debt Management? Debt management is a method of renegotiating or restructuring unsecured debt available to borrowers with a reasonable level of debt – typically between £1,000 and £15,000 – owed to two, or more, creditors. For those with larger debts,... More

Debt Consolidation - Advice on Debt Management Consolidation

Advice on Debt Management Consolidation Introduction As the British economy teeters on the brink of the deepest recession since World War II, unemployment rises, and an increasing number of household name companies close or enter administration, it is no surprise that many ordinary consumers... More

Debt Consolidation - Additional Advantages of an IVA

Additional Advantages of an IVA An Individual Voluntary Agreement (IVA) is an agreement, which you can make with your creditors if you're in debt and having trouble making ends meet. It's a formal, legally binding agreement, which means that you must make payments to your creditors over a set ... More

Debt Consolidation - What Will Debt Management Do for Me if I Apply for Debt Consolidation?

Introduction Debt consolidation through a debt management plan is not a loan, per se, and does not extend your existing credit commitments. What it is, however, is a method of renegotiating the repayment of unsecured debt with your creditors, such that they (hopefully) agree to accept lower ... More

Debt Consolidation - Additional Advantages of Debt Consolidation

Additional Advantages of Debt Consolidation For a growing number of people in Britain, debt is a concern which keeps them awake at night and causes them a lot of stress. For a few of us, making ends meet is less about waiting for pay day and more about moving funds from one credit card to ... More

Debt Consolidation - Debt Management Services Can Help You to Break Free

Introduction For many people in the United Kingdom, debt is a way of life. In fact, according to recent figures, the average British consumer owes nearly £3,000 in unsecured debt, and the population as a whole is indebted to the tune of £1,500 billion, excluding mortgage debt. If, like many ... More

Debt Consolidation - What will Debt Management do for me if I apply?

What will Debt Management do for me if I apply? Those of us who struggle with debt often worry and as a result, many debtors suffer from depression. It can sometimes feel like there isn't much we could do to solve our problems. However, there are many ways to deal with debt issues and in this ... More

Debt Consolidation - When a Debt Consolidation Loan is not the Answer

hen a Debt Consolidation Loan is not the Answer Introduction Debt is a very personal thing, but whilst any debt can seem serious, if it is your own, some debts are much worse than others. If your own debts are at the lower end of the scale – perhaps, a few thousand pounds spread across ... More

Unsecured Loans - Borrowing Unsecured to Obtain Your New Car – Cash in Hand

Introduction For most people, buying a new car represents a sizeable investment. Even the smallest hatchback, nowadays, costs in excess of £5,000 on the road – less, of course, as part exchange value – and most people need to resort to credit of some kind to finance the purchase. If you are ... More

Unsecured Loans - What is Hire Purchase?

What is Hire Purchase? Introduction Hire Purchase (HP) and Conditional Sale (CS) credit agreements are common methods of purchasing major items – most often, nowadays, cars, but also furniture, white goods, computers, etc. – but are fundamentally different from other forms of credit ... More

Vehicle Loans - Need a Car Loan, will you buy a new car or second hand car

New Cars v Second Hand Cars Because buying a car is such a big decision, it's advisable to consider what you want from a car, how much you can afford to spend, where you should make your purchase, all of which will help to avoid unforeseen problems in the future. When you take the amount you ... More

Vehicle Loans - Car Loans:-Take The Confusion Out Of Car Finance By Shopping Online

Take The Confusion Out Of Car Finance By Shopping Online The decision on how to finance a car purchase can be more complex than locating the right car that suits your needs and most of us will need to consider financing this type of purchase as we don't possess the amount of cash generally ... More

Debt Consolidation - Additional Advantages of Debt Management

Additional Advantages of Debt Management Debt is something that an increasing number of people in the UK are becoming worried by, especially as more people are losing their jobs and our economic situation worsens. Other circumstances such as having a baby, and therefore losing one income for a ... More

Debt Consolidation - Look Online For Debt Management Help

Look Online For Debt Management Help If you are struggling to meet your regular payments, such as with credit cards, recognising the problem, taking good impartial advice and then acting swiftly to address the issues is sensible advice. If you feel confident and able, self-help debt ... More

My Credit Report - Don’t let the credit crunch ruin your relationship

Don’t let the credit crunch ruin your relationship If the memory of a happy Christmas is only being kept alive by the bills you now have to pay – and the rows you’re having with your partner about overspending – then you’re not alone. More than a million British couples have separated ... More

Vehicle Loans - Car laons:-Can I Raise Finance On My Car And Still Drive It?

Can I Raise Finance On My Car And Still Drive It? For many people their car will be the second most valuable asset after their home. As such, it affords the opportunity to raise finance against its value if extra cash is needed. Equally, if the car is already financed, it may be possible to ... More

Debt Consolidation - Debt Management:-Will Lenders Agree To Lower My Monthly Payments?

Will Lenders Agree To Lower My Monthly Payments? As time and circumstances change, what was once affordable can become a millstone. No matter whether it is a long term illness, redundancy or just a change of personal circumstance that drives it; if you have insufficient monthly income to pay ... More

Debt Consolidation - 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

Unsecured Loans - Will A Consolidation Loan Save Me Money?

Will A Consolidation Loan Save Me Money? Many of us do not plan our finances in any particular way, they just seem to happen. Over time, we may have taken out several loans, store and credit cards with which to fund our lifestyle and these just get paid each month without question. Sometimes, ... More

Unsecured Loans - Unsecured Loans:-Bank Loans Low APR

Bank Loans Low APR By law, all lending to private individuals is governed by the Consumer Credit Act. There are many provisions within this legislation designed to protect the consumer and make clear both the terms of lending and the consistency of the language used. As well as defining how ... More

Unsecured Loans - What Are The Main Differences Between Unsecured And Secured Loans?

What Are The Main Differences Between Unsecured And Secured Loans? Lenders are engaged in a risk business. When deciding whether to lend money they look at a number of factors to help decide whether they will get their money back over the period of the loan. These factors include: •the ... More

Debt Consolidation - Debt Managerment:- 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 ... More

Debt Consolidation - 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 ... More

Vehicle Loans - Car Loans:-Can I Get a Bargain Car Due to the Credit Crunch?

Can I Get a Bargain Car Due to the Credit Crunch? The national press and TV are full of stories regarding the current demise of the auto industry. There is too much supply and insufficient demand as a result of the recession and credit crunch biting hard into the confidence of ... More

Credit Cards - Credit Card Debt Management Can Help You To Get Out Of Debt

Credit Card Debt Management Can Help You To Get Out Of Debt Credit cards have become integral to our modern way of life. They are easy to use, flexible, widely accepted and avoid the need and challenge of carrying large amounts of cash. With the current Consumer Credit laws, they also provide ... More

Debt Consolidation - 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 ... More

Vehicle Loans - Car Finance:-Buying Online-V-Buying From a Dealer

Buying Online-V-Buying From a Dealer The internet has made vast amounts of data and information available to us at any time of day, any day of the year. Not only can we source information locally, but we can trawl the vast openness of cyberspace and gather advice, prices and all manner of ... More

Debt Consolidation - 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

View All Product Reviews