September 2008 - Product Reviews

Debt Consolidation - Individual Voluntary Arrangement (IVA) What you need to know?

Individual Voluntary Arrangement (IVA) What you need to know? Who can be helped? There are large costs involved in setting up an Individual Voluntary Arrangement IVA , it is really only practical to obtain an IVA if your debts exceed £15,000. Will I lose my equity in my house? Not in ... More

Debt Consolidation - Debt Consolidation What You Need to Know?

Debt Consolidation What You Need to Know? How big can my consolidation loan be? Many factors with dictate this, your income, other secured loans, the equity available in your property. Over what length of time can I spread my repayments on my consolidation loan? A consolidation loan ... More

Debt Consolidation - Debt Management what you need to know!

Debt Management what you need to know! Does debt management affect my credit rating? If you already have a debt problem, it is very unlikely your credit rating will be affected by going onto a debt management plan, we need to get the clear from the start. This is because it already has been ... More

Debt Consolidation - 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 ... More

Unsecured Loans - A to Z of loan Jargon Busting, check it out.

A to Z of loan Jargon Busting, check it out. Experienced underwriters can get puzzled by loan terms, so we understand that the normal Joe can be very confused. Let us try and explain in one or two short sentences. Adverse Credit Simply a poor credit record, such as CCJ's , repossession ... More

Debt Consolidation - Which Debts Can A Debt Management Company Help With?

Which Debts Can A Debt Management Company Help With? The following list shows the debts that we can help with: Rembering that is is only unsecured loans that an be brought onto a debt management consolidation plan. Unsecured loans Unsecured loans do not need property as security thus ... More

New Mortgages - Are Building Developers Helping The New Mortgage First Time Buyer?

Building firms are bringing out plans to help first time buyers onto the housing ladderwith radical new mortgage plans. Many since the credit crunch have stopped all new house building or sealed the building sites up, until they are able to sell the properties again. Many first time buyers have... More

Debt Consolidation - Debt Consolidation And Getting Out of Debt Questions Answered?

Debt Consolidation And Getting Out of Debt Questions Answered? Do you have a bad credit rating? Can you still get a mortgage or consolidation loan? Let’s see….. In general terms, JST Financial can find a consolidation loan for everyone, however it will there are certain factors that will be ... More

Unsecured Loans - Paying Back Loans Early Can It Be Done?

Paying back your personal loan before the end of the personal loan agreement term, may seem like a good idea however there can be charges attached to the personal loan settlement for early settlement. Many personal loan companies can use different wording for the same meaning just a few are (early... More

Unsecured Loans - Credit Check Information Or Is It Credit Score?

What is a credit check and how can affect you and your application when applying for the unsecured loan you require? Unsecured loan companies, credit cards, re-mortgage or even a store cards will carry out a credit search on you when you apply for their credit services. The credit search will ... More

Unsecured Loans - Personal Loan Lender Types Whay Are They?

Who are the providers of personal loans? To allow you an insight of who operate and lend personal loans we have set out here to explain where the actual money or finance comes from. Personal loans are not regulated by the (FSA) Financial Service Authority however is regulated by the ... More

Credit Cards - Credit Check Information Or Is It Credit Score?

What is a credit check and how can affect you and your application when applying for the credit card you require? Credit card companies, unsecured loan, re-mortgage or even a store card will carry out a credit search on you when you apply for their credit services. The credit search will be ... More

Unsecured Loans - Unsecured Loan Process What Happens?

Unsecured loans can range from £750 to £25,000, these unsecured loans are regulated by the consumer credit act and you have protection within that act. Normally unsecured loans from £7500 are advertised at a very competitive interest rate, and lower unsecured loans amounts can cost a little more. ... More

Credit Cards - What is Covered in My Credit Card (PPI) Protection?

Credit card protection (PPI) is often called (BCC) Balance Cancellation Cover, however is still based around the (PPI) criteria. It covers your credit card balance is paid in full (usually up-to £15,000) should you ever become unable to work. The usual things yourcredit card (PPI) covers is ... More

Unsecured Loans - (PPI) Payment Protection on Unsecured Loans?

Payment protection on unsecured loans is not compulsory, unsecured loan insurance also known as (PPI) can give you peace of mind that your re-payments on your unsecured loan will be covered if you encounter a problem such as redundancy. Insurance companies protecting unsecured loans usually ... More

Credit Cards - Help When Applying For Your Credit Card?

Applying for a credit card can daunting due to not knowing which credit card you need. Do you need a balance transfer credit card, reward credit cared, low APR credit card, no fee credit card? Hopefully JST Financial can answer a few common question here. On-line credir card applications can... More

Remortgage - Applying ForA Re-mortgage What Are The Stages?

Applying for re-mortgage can be made easy, if you follow a few simple steps before you apply for the re-mortgage. Your home is most people's main asset and re-mortgaging your home correctly will need great care. Complete Re-mortgage research, to establish which plan is best for you the ... More

Debt Consolidation - (PPI) Payment Protection On Consolidation Loans

Payment protection on consolidation loans is not compulsory, consolidation loan insurance also known as (PPI) can give you peace of mind that your re-payments on your consolidation loan will be covered if you encounter a problem such as redundancy. Insurance companies protecting consolidation ... More

New Mortgages - Applying ForA Re-Mortgage What Are The Stages?

Applying for re-mortgage can be made easy, if you follow a few simple steps before you apply for the re-mortgage. Your home is most people's main asset and re-mortgaging your home correctly will need great care. Complete Re-mortgage research, to establish which plan is best for you the ... More

Debt Consolidation - Are There Benefits Of A Consolidation Loan?

Benefits of Debt Consolidation Loans A debt consolidation loan can be the perfect solution to your debt problem. You can consolidate all your existing loan agreements in to one manageable consolidation loan, often lowering the overall payment monthly liability. There may be drawbacks, as a ... More

Unsecured Loans - Are There Benefits Of A Consolidation Loan?

Benefits of Debt Consolidation Loans A debt consolidation loan can be the perfect solution to your debt problem. You can consolidate all your existing loan agreements in to one manageable consolidation loan, often lowering the overall payment monthly liability. There may be drawbacks, as a ... More

Homeowner Loans - Homeowner Bad Credit Loans What Are They?

You may be struggling to obtain a loan due to homeowner bad credit or residential status, having a bad credit history, can really hinder your chances of a homeowner bad credit loan due to the credit crunch. In this credit crunch even people who think they have good credit, can be classed as ... More

Debt Consolidation - Bad Credit Consolidation Is It The Way Forward?

Consolidating your debt and bad credit loans will/can be obtained one larger bad credit loan to pay off the smaller bad credit loans. By consolidating your bad credit loans you can all certainly reduces your monthly outgoing and in the times of increasing energy prices, this higher consolidation ... More

Unsecured Loans - Tenant Loans In The Credit Crunch?

Tenant loans are not secured on any property and are underwritten, taking into account age, income and past credit rating. It is a homeowner secured loan that is secured on property, not a tenant loan. The underwriters at the tenant loan lenders, as they do not have a property as security, often ... More

Reclaim Charges - Can I Claim my PPI charges On Personal Loans?

Hire purchase Hire purchase is governed by the Consumer Credit Act of 1974, all hire purchase agreements have to be signed on trade premises, not sent through the post or by a sales person in your home. The document is a legally binding document between you and the finance company (not the shop... More

Payday Loans - Who Are The Payday Lenders?

Fraud is a major factor in the Payday arena. (You can not threaten to blacklist a person’s credit rating, if they don’t have one in the first place) many of the Payday applicants have no intention of ever paying a penny back. Only with a very experienced payday loan collections team is any Payday ... More

Payday Loans - Payday Loans And Their Uses?

Payday loans and information regarding payday loan rejection rates. Payday Loans are still very much in there infancy here in the UK. It is estimated that only 100-150,000 people have used or regularly use the pay day loan service. Payday-UK is by far the biggest provide, followed by the other... More

Unsecured Loans - Bad Credit Consolidation Loans Will They Help?

Consolidating your debt and bad credit loans will/can be obtained by one larger consolidation bad credit loan to pay off the smaller bad credit loans. By consolidating your bad credit loans you can certainly reduce your monthly outgoing and in the times of increasing energy prices, this higher bad... More

Unsecured Loans - Bad Credit Loans What Are They?

You may be struggling to obtain a loan due to bad credit loans or residential status, having a bad credit history, can really hinder your chances of a bad credit loan due to the credit crunch. In this credit crunch even people who think they have good credit, can be classed as having bad credit... More

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