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

Credit Cards - From the 'papers - Index

	End of an Era - Is Your Credit Card Facing Extinction?
	Has the credit card had its day? Will you soon be using finger print technology or eye recognition to pay for your purchases? Experts believe that the credit card will have gone the route of the cheque within 5 years to make way for new technology. The sci-fi scenario of many films such as Minority Report... Read Full Article »

	Flying High - Savings Account Interest Rates on the Up
	For those of us who still have disposable income to stash away, prospects are the best they’ve been for seven years. In an attempt to tempt savers towards their own institution, banks and building societies are offering highly attractive interest rates on their top savings accounts. Research by the... Read Full Article »

	Black Mood as Consumer Confidence Continues to Fall
	New surveys show that consumer confidence in the economy continues to fall, hitting its lowest level since 1990. The consumer confidence barometer produced by GfK/NOP is now only one point above its lowest ever level, which was –35 recorded in March 1990 at the height of the then recession. The figures... Read Full Article »

	A Christmas Spending Spree
	Christmas is an expensive time of year. Even the traditional stocking, which once upon a time held not much more than a tangerine and a sixpence, now costs over £80 to fill. A survey of over 2,000 parents last year found that 60% of them planned to spend over £150 on their children, with 3% planning... Read Full Article »

	The Haves and the Have-Nots
	Whilst the rich get richer, the poor struggle to survive, is an axiom that has applied for centuries. And it seems the Brave New World of the 21st century is no different to its forerunners. As the credit crunch begins to squeeze ever harder, those who have money to put aside are revelling in the abundance... Read Full Article »

	Can’t Spend, Won’t Spend
	Consumer confidence has hit a new low, with over three-quarters of consumers feeling now is not a good time to spend on things they either want or need. Figures released by the British Retail Consortium (BRC) show people feeling more pessimistic than ever about job prospects, personal finances and spending... Read Full Article »

	Savvy Savers Opt For Safety
	With financial uncertainty, the credit crunch and rapid price rises continuing to dominate the headlines, savings accounts are becoming more and more popular. Investors are opting for the safety of bank deposit accounts rather than risking the potential losses of the stock market. Despite the problems... Read Full Article »

	Does It Really Matter?
	Contrary to the views of experts, many homeowners are actually hoping for house prices to fall. In the media, the general view of the crisis in the housing market is one of pessimism and doom. However, many ordinary people do not share these views, and think that a fall in the cost of housing brings... Read Full Article »

	The Dash for Cash
	Plastic is no longer seen as fantastic; with the credit crunch biting ever deeper many consumers are abandoning their credit cards and turning to cash once more. In a survey of more than 17,000 shops, it was found that cash was used for more than 60% of the transactions and accounted for nearly a third... Read Full Article »

	Roller Coaster Week for Financial Markets
	It has been a hang onto your seatbelts rocky ride through the financial world this week. With inflation up, sterling falling, more energy prices rises, shares up and down like yo-yos, and rumours affecting a major banking group, it is not surprising that the employer’s organisation, the CBI, has described... Read Full Article »

	Don’t Drink or Drive Darling
	Chancellor Alistair Darling’s first budget last week is being widely regarded as penalising those who like a drink and who enjoy driving large or fast cars, after he put up both car and drink tax. He increased taxes on drink by 6% and introduced a range of measures designed to steer motorists towards... Read Full Article »

	Storm clouds Loom for European Housing Market
	A new report issued by the Royal Institution of Chartered Surveyors (Rics) has suggested that the European property boom may be over. Only Cyprus and Poland saw a rise in the growth of property values over 2007, with Ireland suffering the worst falls. According to the author of the report, Michael Ball,... Read Full Article »

	Beware! Banks Can Be Bad For Your Health
	A new report out by Cambridge University suggests that financial crises in a country can have a serious impact on its population’s health. Events such as the recent Northern Rock funding fiasco could lead to as many as 5,000 extra and fatal heart attacks. Experts examined a range of events between... Read Full Article »

	Recession. What Recession?
	Home owners heaved a collective sigh of relief this week as the Bank of England again cut interest rates, from 5.5% to 5.25%. As other bills grow ever larger, the quarter of a percent cut means that millions will be better off, with the monthly repayment on a typical 25 year £100,000 mortgage falling... Read Full Article »

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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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