Credit Cards

Going on vacation with a partner and enjoying some quality time with each other is "really where it is at", according to one sector commentator.

In news that may be of interest to couples who share a credit card, travel journalist Russell Amerasekera, along with the marketing director from Marketing Birmingham Dave Hodgson, said people work very hard all week and want to enjoy their weekends by going on a short break to a major city.

Mr Hodgson added that Britons were culture buffs who enjoyed going to see interesting things.

"It's about variety and choice and you can do that with friends, you can do that with family, you can do that with couples. It's interesting that the UK is getting more romantic as it is developing," he explained.

Meanwhile, people searching for a new credit card may also be interested to hear that according to the United Kingdom Travel Survey, there were 32.9 million overnight trips made in the UK by residents between January and April 2008.

Miscellaneous:- JST Financial, Unsecured, Personal loan Specialists catering for good and adverse credit for tenants and homeowners

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        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.
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- 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.
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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.

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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.

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

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Equifax PLC
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Tel 0990 143700

Experian Limited
Consumer Help Service,
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Tel 01159 768747

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4th Floor - Central House
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London
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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.

If you know of any other links that you believe may be of use to our visitors, please contact us.

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