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Consumers are now more inclined to wait until there is a sale before going ahead and booking their flights, one sector commentator has claimed.

In news that may be of interest to those looking at unsecured loans as a means of funding such an expense, James Fremantle, industry affairs manager for the Air Transport Users Council, said that there were many seats going spare as a result of the credit crunch.

However, he went on to note that he believed air fares would increase in the long term, meaning airlines would use a promotions scheme "now and again".

"[Airlines] have price sales just to fill up their empty aircraft so obviously the overall number of passengers is going down because of the credit crunch because they [consumers] don't have the money to spend," Mr Fremantle added.

Meanwhile, those seeking unsecured loans may also be interested to note that Amex's twice-yearly Business Travel Monitor revealed that high fuel prices - which led many airlines to make capacity reductions and tighten ticketing restrictions - had increased the average airfare paid.

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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.
(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.

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To our agents and Sub-contractors (including those based outside the European Economic Area) under a strict code of secrecy and security 
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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.

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We and other organisations may use these records and information recorded by fraud prevention
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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,
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NG1 5HF.
Tel 01159 768747

CIFAS
4th Floor - Central House
14 Upper Woburn Place
London
WC1H 0NN
      
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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.
      
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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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