Credit Cards

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

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEBSITE

The Website.
By using this website, the user ("user" or "you") agree to the following terms of use. If you do not agree to these terms, you should exit the website.
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.

Cookies
The basic principles
A cookie is a text-only string of information that a website transfers to the cookie file of the browser of your computer's hard disk so that the website can remember who you are. A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie, and a value, usually a randomly generated unique number. 
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

Unfair credit agreement can i claim?

Published: 10 November 2008

Frequently Asked Questions

What Credit Agreements are eligible for ‘Audit’?

Any Credit Agreement between £5,000.00 and £25,000.00 that is governed by the Consumer Credit Act of 1974. Including:

? Credit Cards and Store Cards
? Unsecured Personal Loans
? Secured Loans
? Consolidation Loans
? Car Loans/Finance Agreements
? Hire Purchase

I am not sure if I have the original agreements anymore, I guess that means you can’t help me?
Whether you have the original Credit Agreement or not we can request it for you. Even if you do have it, we need to make sure that we have an exact copy of the agreement held by the lender and would request it no matter what your situation.

Why do you charge an upfront fee?
Our fee covers all administration and legal advice needed to determine if your Credit Agreement is unenforceable.

What does ‘unenforceable’ actually mean?
When an agreement is unenforceable it literally means that the terms of the agreement may not be enforced i.e. if the agreement is judged to be unenforceable you would not have to repay any outstanding amount.

How long will it take to write off my Loan ?
If our Solicitors decide that they can write off your Loan, they will complete the Legal work necessary to arrange for your Lender to completely write off your Loans in around 6 to 7 months. Alternatively, under their "Fast Track Scheme" our Solicitors arrange for your Lender to completely write off your Loans in around 2 to 3 months.

Will I be entitled to receive a refund of some or all of my previous Loan Repayments?
Our Solicitors guarantee to write off your Loan and attempt to obtain a refund of some or all of your previous Loan Repayments. However, whether you receive a refund of your previous Loan Repayments will depend very much on what aspects of Law your Lender has broken. Therefore, our Solicitors can only guarantee to write off your Loan and can not guarantee to obtain a refund of some or all of your Loan Repayments.

Will my Lender chase me for money or take me to Court ?
No, because our Solicitors will be acting on your behalf and your Lender must direct all communication to them and they cannot take you to Court because the Loan Agreement is in dispute. In the unlikely event you receive any contact from your Lender after you have engaged our Solicitors, then you should refuse to discuss the matter and tell them to contact the Solicitors.

Will writing off my Loan affect my Credit Rating ?
No, when you stop making your Loan payments to your Lender and our Solicitors start communicating with your Lender, your Loan Account will be "in dispute". Therefore, under The Data Protection Act 1998 and The Banking Code, your Lender and the Credit Reference Agencies are forbidden from entering any negative information about you. When your Loan has been written off, your Credit Report will then show your Loan as "settled" or all information about the account will be removed, this is exactly the information that would show on your Credit Report if you had repaid the Loan in full.

Will I still be able to take out other Loans in the future ?
Yes, because your Credit Rating will not have been harmed in any way. However, it is possible that the Lender who wrote your Loan off will not want to offer you a new Loan.

Can I see some examples of Loans your Solicitors have written off ?
Unfortunately, due to the very strict client confidentiality rules that govern a relationship between a client and their Solicitor, we are forbidden to provide you with details of previous successful cases. However, we can provide you with links through our website pointing you towards stories of clients who have chosen to tell their story to the press. Please remember that if you do decide to use our Solicitors service, there is absolutely no financial risk to yourself or your credit rating

Will my Lender be able to take any action against me ?
No, because using our Solicitors to write off your Loan is simply exercising your rights as a consumer. The Laws that govern Lenders continue to treat you fairly. However, after your Loan has been written off by a particular Lender, the same Lender may not wish to offer you a new Loan in the future.

If your Solicitors confirm that my loan can be written off, could they be wrong ?
Not really, but if they were wrong, they will return any money you have paid to them, your credit rating will not have been harmed and therefore no harm will have been caused. In addition, our Solicitors will have completely wasted many hours of their time and earned absolutely no money.

Do I keep paying my monthly payments after contacting your Company ?
If you do not want to ruin your Credit Rating, you must continue to keep making your monthly payments until they have confirmed to you in writing that you can stop making your Loan payments, this normally takes only a few days after you have completed the necessary paperwork.

What other services does Monster Claims Ltd provide?
Being specialists in financial claims we can also help you to:

? Reclaim Unfair Bank Charges
? Reclaim Unfair Credit Card Charges
? Reclaim Mis-sold Payment Protection Insurance (PPI)

Do you charge a fee for your other services?
Yes, but we only charge you a fee if we recover any monies for you; if your claim is not successful or if you are not awarded any money we charge no fee*.

In fact if your Credit Agreement Claim is unsuccessful, we will subtract the Audit Fee from any other service charge normally due from any other successful claim with us. For example:

If we recovered a total of £1,450 from Credit Card Charges/Bank Charges/Mis-sold PPI (separate to your Credit Agreement Claim) our fee would normally be £109.950 (20% of the amount recovered).

Having already paid us £119.95 we would instead subtract it from the normal charge levied on our other claims, returning £119.95 to you.

Points To Remember

• The agreement must pre date 06/04/2007.
• The remaining balance must be between £5,000 & £25,000.
• The agreement must still be active.
• You must include the start date and finish date of the agreement (Except Credit & Store Cards)

Please refer to our full terms and conditions*

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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 or...

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Useful Financial Links

Please find below some links that you may find useful from JST Financial. These links are to external sites and will open in a new window.

	Consumer Direct from The Office of Fair Trading carries extensive Loans information, covering everything from Unsecured Loans to Right to Buy Mortgages.
	MoneyMadeClear (The Financial Services Authority) offers a great, free to use Loans Calculator.
	Trading Standards offer advice on taking out a loan and what your rights are.