save a mint with penny auctions

There has been a lot of debate about Online Auctions over the past months. Some people claim to have Won amazing prices for a few pence whilst others claim the chances of winning are too far against you.

The truth is, you need to use Skill and a Little bit of luck! Join one of the Penny Auction sites that offer some free bids, this lets you play for free and lets you get the experience you need to see how the system works.

Mainly, each of the penny auction websites have a clock, this will tick down, when the timer hits zero, the last bidder wins! However, if someone else bids, they become the latest bidder and the clock rises by around 30 seconds.

There is some luck needed, some of the bigger websites like Swoopo have a lot of members and winning is therefore a lot harder than a smaller site such as Landofsavings.com

We have tested many of the sites and had some success for a small investement.

Madbid.com – We deposited £10 and won a bottle of Polo Aftershave worth £20 (a profit of £10)

Landofsavings.com – We deposited £10 (and received a 50% discount) and we won £50 cash + £10 tesco voucher. (A point to make on the Landofsavings.com is they offer 100% free penny auctions, great if you want to play for real prizes without paying for bids).

Happybidder.co.uk – No Luck for us at happybidder.co.uk but we have only used 2 bids out of 20, so there is time….

Swoopo.com – No luck for us at Swoopo, £20 invested and still trying. A lot of members to bid against

Froggybids.co.uk – A new penny auction website offering free auctions and some bargains. No luck for us yet on a deposit of £5

Kbid.co.uk – Another Pennyauction website offering free auctions (however these are mainly bid packs) no success and very expensive items to be won!

could you claim compensation from a personal loan or credit card

As the Credit Crunch hits, Consumers are feeling the pinch. If you have had a loan in the past 10 years for £3,000 or more and you took PPI you could be due to hundreds of pounds compensation. A lot of consumers have been mis-sold PPI and now, at long last, there are companies fighting for you to reclaim your money.

Belmont Thornton has been trading since 2007 and have helped thousands of people claim back their money because they were mis-sold a Payment Protection Insurance (PPI) policy with their high street bank loan.

In today’s difficult financial climate, Belmont Thornton can help customers reclaim thousands of pounds worth of compensation and the company makes claiming easy with a No Win, No Fee service and absolutely no upfront costs.

Can you claim?

To ensure we can help you reclaim your mis-sold compensation, please make sure you have read the following

Customer must provide full and valid contact details
Customer must be aged 18 or over
UK Customers only
Loan must be over £3,000 with one of the high street banks listed at www.ppiclaimcompany.co.uk
Customer must have taken out a loan in the last 10 years with Payment Protection Insurance (PPI)
Customer must not have made a previous claim
Customer must not be bankrupt, in IVA or Debt Management

If you qualify, make a free claim (remember, no upfront fees)

how to save pounds when shopping

As the credit crunch hits, Credit4everyone has found a new way to get your hands on every day useful items such as nappies, washing powder and some of the things we buy everyday. The concept is sweeping the UK and can save you pounds. Landofsavings.com is offering everyone the chance to bid pennies for items worth pounds. Penny auctions – Land Of Savings is the worlds first 100% free penny auction site, save pounds on a range of electrical and useful household every day items. Click here to make your savings.

credit crunch tv – The Apprentice

The BBC show The Apprentice is back on Wednesday 25th March 2009, when the reallity TV show returns for the fifth series, viewers will see a number of different factors.

For example, in previous shows, the contestants went abroad to places like Marrakech and France to display their business skills, this year however, they have been axed.

Other challenges which see the teams try to sell a foreign product in the UK has been replaced by a series of Buy British tasks.

15 hopeful contestants hoping to become Sir Alan Sugar next apprentice will be finding themself trying to revive the ailing seaside resort Margate in Kent.

The budget for the show has been frozen this year but the winner will still receive an annual salary of £100,000.

Sir Alan Sugar has admitted the show has been forced to adapt to the current financial situation.

As the series progresses you will see the show has been specifically tuned towards recognition of the difficult times.

The show will feature 7 male and 8 female contestants trying to battle it out week after week, with one contestant already quitting the show.

credit scoring – what is it?

When you make an application for a loan or credit card, you will almost be affected by something known as Credit Scoring. Credit Scoring is used for a number of products and services, even down to the Utility companies! So what is credit scoring and what are companies looking for to approve your application.

What is Credit Scoring
Credit Scoring takes into consideration a number of factors, for example, your age, the information you provided on your application for, your job and income may be used, any past experience you have had with the company in question, your previous credit history, the amount of credit you have applied for.

A lender will start to measure up a picture of your likelyhood in repaying credit. If you credit score is greater than a certain number your application should be approved.

What is the credit score needed to be approved
Unfortunately, lender never disclose how they they score individuals, this is done for more than one reason, for example, if we told you what was needed, everyone would be approved!.

What’s on my credit report?
Credit reports offers many different types of information about you, such as whether or not you are registered on the Electoral Roll (registered to vote). A prerequisite for most lenders.

Also, the credit reference agencies will hold details about any County Court Judgements (CCJ) Individual Voluntary Arrangement (IVA) or debt management plans. Usually these items are shown for a maximum of six years but it can be longer if you have been issued with a bankruptcy restriction order.

Recent applications for credit you make are also seen by any lender who searches your credit report, this information is kept for 12 months (24 months) on Call Credit. Other information available is your current credit agreements, whether or not these are up to date and how you have managed the repayments over the past 6 years.

You can see what information is held about you on your credit report for free with Equifax and Credit Expert (Experian) by taking a free trial (details below). However, Call Credit do not offer a free trial at this time.

It’s worth looking at your credit file every now and again, it allows you to be sure there is no fraud or mistakes present which could affect your ability to obtain credit.

Call Credit (no free trial available) www.callcreditcheck.com

Equifax (free trial available)

Credit Expert (free trial available)

The Capital One Classic Credit Card

The Capital One Classic Credit Card has been designed to help you rebuild your credit. The card boasts no annual fee and can help improve your credit rating by staying within the credit limit and making your repayments on time. You can get a limit of up to £2500 and as long as you stay within your limit and make all of your payments on time, Capital One will increase your credit limit on your 4th statement.

You can choose a card design of your choice and you can look forward to free online identity Alerts powered by Equifax.

Apply for the Capital One classic credit card

34.9% APR Typical (Variable) on Purchases/BT’s
34.9% APR Typical (Variable) on Cash
BT in Fee 3% (No CAP), min CL £100, min pymt 5% / £5

Apply for the Capital One Classic Card

Who is the card suitable for?

The Capital One Credit Card is suitable for people who are new to credit, who have in the past had poor credit but are now rebuilding their credit, although limits do start as low as £100, Capital One can help improve your credit rating and within a short time, you can enjoy the benefits of owning a credit card again.

Apply for the Capital One Credit Card today

compare business fuel cards

 Businessfuelcards.co.uk provides a one-stop-shop that small businesses and fleet managers can trust, allowing them to benchmark the largest network of cards, which instantly enables cost and service comparisons. Our comparison tool enables comparison of Network Size, HGV access, opening hours, application charges and other services (such as access to shopping and other motoring related goods and online account management).

The tool requires you to submit details of their fuel usage and click a button. 

You will then be provided with a shortlist of cards best suited to your needs. To make a selection,  simply click on their card of preference and follow the online application process.

Click here to compare fuel cards for your business.

rbs credit card

0% APR on Balance Transfers for
13 months (2% fee, min £5)
Typical 13.9% APR (Variable)
0% interest on purchases for 3 months
Internet fraud protection

Apply online here

GM credit card

Benefits and Features

Every time a purchase is made using The GM Card, the cardholder will earn Rebate Points at a rate of

3 percent. Each Rebate Point is worth £1. When the cardholder uses their GM Card for the first time they will receive 100 Rebate Points worth a £100 saving off a new Vauxhall or Saab. The maximum amount of Rebate Points that can be redeemed varies on each model line with a saving of up to £1500 on a new Vauxhall and up to £2500 on a new Saab, this saving is in addition to the offers available at the Dealer at the time of purchase.

The cardholder can also earn additional Points when using their GM Card at GM Card Partners, Vauxhall and Saab Dealers, for parts and servicing (petrol and new vehicle purchases are excluded) Partner Point earnings rate is 3 percent:

For every £100 spent at a GM Card partner the cardholder earns £6, and there is no limit to the amount of Partner Points that can be redeemed.

Two Cardholders living at the same address can pool their Rebate Points and Rebate Points can also be transferred to an eligible family member who is not a GM Cardholder.

If a Cardholder chooses a new Vauxhall or Saab as their company car they can redeem up to 500 Rebate Points as high street vouchers.

Apply online – Instant decision

Co op credit card

think credit card from The Co-operative Bank The new think credit card from The Co-operative Bank offers a range of financial and ethical benefits that make a tiny difference to the world every time somebody uses it. It’s the perfect credit card for people who think about the bigger picture – but also want a good deal from their credit card. What Customers get when they think: • Half an acre of Brazilian rainforest purchased and protected in your name when you transact on your credit card for the first time, plus a contribution of 25p will be made to Cool Earth for every £100 spent on the card • a special rate of 7% pa on products bought from Co-op ethical partners, for 6 months after each purchase – usually 14% APR typical/variable • 7% pa on balance transfers for 6 months from the date of each balance transfer • no annual fee • up to 59 days interest free credit.* The thinking person’s credit card By customers doing their bit to help protect the environment and rewarding them for being more ethical in their purchases, The Co-operative Bank’s think credit card helps people make a little difference as they go about their day-to-day life. It’s got to be worth thinking about.

urgent cash loans

Are you in need of urgent cash? If you need cash the next day and don’t want to wait around for days waiting for a decision then a pay day loan from one of the Uk’s leading providers Payday Loan Uk could help. You can borrow up to £750 cash, no hassle, no fuss!

Just complete the online application and if you are succesful you could have the funds the very next day! To apply, all you need is a Uk bank account and be working. Repayment is made on your next payday meaning you have some breathing space!

Click here to apply for your pay day loan

new year personal loans from HBOS

2009 is just around the corner, so it’s time to get your finances in order – (leaving you time to enjoy the Christmas period). Why not start 2009 by consolidating your credit cards and hire purchase agreements into one easier to manage repayment?

You could make those home improvements, buy a new or second hand car, pay those outstanding bills or whatever you choose.

Apply for a personal loan with HBOS

Halifax Bank Of Scotland Personal Loans

Apply online for an instant decision

AA unsecured personal loans

• Member Loan – 8.3% APR Typical
• Personal Loan – 8.5% APR Typical
• Small Loan – 8.9% APR Typical
Our Member loan product has been designed to reward AA Members* by giving them a preferential rate of 8.3% APR typical on loans of £7,000 to £25,000 along with 9 months free AA Car Warranty.

Both Member and Personal loan products have the following benefits:
• Borrow £7,000 to £25,000 with fixed monthly repayments between 2 and 7 years
• Funds can be transferred to your chosen bank account
• Secure online application and a decision in minutes
• Enjoy an optional 3-month repayment holiday before your first payment, but interest is charged from the start of your loan
• Option to protect your loan with loan repayment protection through AA Creditcare
The AA Member Loan is only available online.
*AA Members are customers with AA Breakdown Cover.

Click here to apply online for an instant decision

Nemo Homeowner Loans

Nemo Secured Loans – Nemo aims to unravel the complications of personal finance and to find solutions that fit individual needs and lifestyles. If you’re a homeowner, you could borrow any amount from £10,000 to £100,000 and repay it over 5 to 25 years*

Please Click here to apply for Nemo secured loan today

Nationwide Mortgages

Nationwide Mortgages, First TIme buyers Mortgages and Remortgages
Nationwide is the largest building society in the world, with 12 million customers. Nationwide is the most popular brand within financial services and also the England football team sponsor as well as the other home nations selling around half a million products per year online. Nationwide is an ever increasingly popular product due to its very competitive price. Online discount is available Here.

Nationwide Home Contents and Buildings Insurance
As well as a competitive price, Nationwide offer online discounts on both contents and buildings insurance. Unlike some competitors Nationwide make no extra charge for monthly payments. Click Here for full details.