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Britons should prepare themselves for a period of great difficulty if the economy shrinks any further, one sector commentator has claimed.

In news that may be of interest to those on the hunt for unsecured loans, Jon Neale, head of development research at Knight Frank, said there was no denying that house prices were coming down rapidly at the moment.

He added that there was a lack of access to mortgage finance available and public concerns had been compounded by the Organisation for Economic Co-operation and Development's prediction that the economy will shrink during the last two quarters of 2008.

"In the longer term, [supply concerns are] going to create some bounce back in the future, I just don't know when ... The prognosis that's in [the] front of the papers is probably correct but slightly overblown," Mr Neale explained.

However, he added that the prospect for property in the long-term was still "very good".

In related news that may interest people looking for unsecured loans, according to Nationwide's House Prices report last month, the price of a typical house fell by 1.9 per cent in August.

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

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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.

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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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