With Credit still being tight for most people in the UK, there are certain lenders who will prey on the vilnerable, those who are already in debt and feeling desperate. Young people getting their hands on first credit and those who, let’s face it, have got in too deep.

Store Cards, may seem easy to obtain and look like a traditional way to get items and worry later, but unlike credit cards, they are usually linked to one shop or one group of stores, with higher APR’s than traditional credit cards. Interest usually accrues more and more because you don’t pay your balance back in full straight away.

Uncompetitive Credit Cards
Credit4everyone have listed credit cards which can help increase your Credit Worthiness, however, you should only use these cards if you can pay back the full balance, some of these cards such as the Vanquis card can cost as much as 59.9%! Be warned.

Using an Overdraft without permission
Overdrafts are not cheap at the best of time, however, an arranged overdraft can be a lot cheaper than one that’s not authorised beforehand. Bank charges and unauthorised fee’s will make paying back the overdraft harder! Speak to your bank at see if they are willing to help you before going into the red. If your account goes into the Red, go and speak with the bank, don’t hide away thinking you will deal with it soon!

Payday loans
Again, useful if a real emergency has risen, however, Payday loans can work out expensive. Txtloan for example will lend £100 for 7 days with the repayment of £110 which at first site appears to be excellent value, however, miss the repayments and charges of £20 are applied within the first 3 days and again a few days later, a one week loan repaid one month late could cost up to £200!

Money Lenders
Home Money Lenders offer easy cash loans direct to your door, collecting repayments weekly, the APR doesn’t reflect the cost of the loans as you are paying a service charge for the collections. Make sure if you are going to be taking a small cash loan you take it with responsible lenders such as Provident and not illegal money lenders. Illegal money lenders can do extreme things to get back their money and often cause a lot of heartache for families.

We all strive to be financially sound, but sometimes life gets in the way. Whether it be emergency car repairs, an unexpected medical problem, or just a need for cash fast, you need financial assistance and you need it now.

Fast Cash Loans

Instant Decision Cash Loans

Where can you turn to? Knightsbridge Lending can help! Your money is waiting for you, wherever you are in the U.K.

Knightsbridge offer loans to UK residents aged 18+ ad offer a real time approval decision within seconds.

Regulators to get tougher on Loan Sharks

With Credit still being hard to obtain some people are so desperate they are turning to anyone they can to give them a short term hand. However, the Office of fair trading and Trading Standards office are steping up their action against loan sharks.

Around 200,000 leaflets and posters will be handed out to warn people of the dangers involved in borrowing from Loan sharks.

It is estimated that around 165,000 in Britain currently borrow money from Loan Sharks. The campaign is to highlight the trouble with Loan sharks including the chances of paying exorbitant interest rates and the possibility of suffering threats and violence. If you believe you have borrowed from an illegal money lender or you are having trouble with a lender and you believe you may be in danger, please click the link below for help

http://www.oft.gov.uk/OFTwork/consumer-protection/campaign10-11/loan-sharks/

If payday is too far away and you need a small amount £50-£750 to tide you over, Cash Genie could be the perfect solution

In 2010 most of us are still feeling the pinch from banks who are not ready to start lending as they did in the early 2000s. For others, the Credit Crunch has resulted in Unemployment, less overtime or a lower overall household income.

In turn, this may of affected your Credit Score. A lot more people have missed payments on credit agreements in the past 18 months than before. In turn, finding a company willing to lend money can be hard.

Logbook loans offer personal loans based on the value of your vehicle. There are no Credit Checks which makes it an ideal solution for someone who may have orignally been looking at Payday or bank loans.

A no credit check loan with Logbook Loans is not only a simple loan, it can obtained in just a few hours. Logbook loans recongizes the economic conditions and believe an ideal solution to be a fast, easy to use, easy to understand service.

Remember, a Logbook loan means you still get to drive your car!

Money in your bank within 24 hours. Remember, Your Credit Status is not important! There are no Credit Checks, so if you are looking for a Personal loan with no Credit Checks, don’t get caught up paying Loan broker fees to companies who cannot help.

Logbook loans customers include Professionals, such as Police, Nurses and members of the armed forces, Self Employed people are welcome, even if your main business assets are vehicles, Builders, Plumbers etc.

No Credit Check loans – For people who have been declined by banks, pay day loan companies or customers with CCJ’s, Defaults, missed repayments. There are no Credit Checks, so taking out a Logbook loan with Logbook Loans will not lower your Credit Score.

Fast Access to the Cash you need
Logbook loans are able to have the cash paid to you within 24 hours of you making your application. It’s even possible to apply for a loan in the morning and to receive the cash you need, cleared into your bank account the same day!

£500 – £50,000 available, based on the value of vehicle.

Flexible repayments, the standard loan term is 78 weeks, however, you can repay earlier, many customers repay their loan within 40 weeks.

APR
Interest rate charges applied are reflective of the risks taken by not Credit Checking customers. If you look at the APR on a Payday loan for example, it wouldn’t be unsusual to see 2000% APR rates talked about. This is because of the way APR is worked out.

Logbook loans operate a transparent and reponsible attitude to lending and will ensure you are told about the repayment charges and the terms and conditions.

A Quick affordability check is carried out to ensure you are able to meet the repayments and to esnure responsible lending.

To apply for a Logbook Loan please click here.

Things to remember

No Credit Check – People with missed repayments, CCJ’s, Defaults looking for a No Credit Check personal Loan!

You continue to Drive your Car!

Fast Solution, You could have the Cash the very same day!

Loans with flexible repayments

Loans Secured on your car not your house!

Loans up to £50,000 (depending on the value of your vehicle).

No Credit Check Loans – When you are looking for a real solution, look no further than Logbook Loans

Pawnbroking is a fast and safe way to help you unlock the value of your jewellery without selling it. Whether you need to pay off an unexpected bill, or raise a little bit of extra cash for a well deserved holiday, we can help by offering you a quick cash pawn loan against your valuable jewellery or quality watch. Herbert Brown has been pawnbrokers since 1840, and we pride ourselves on offering exceptional value and personal service that has been our trademark for the last 170 years.

We will offer all customers the choice of a 7 month loan or to sell there item to us.

Logbook Loans offer a loan which is secured against the value of a vehicle using the log book. There are No Credit Checks and you will have Rapid Access to Cash.

Logbook Loans are able to make cash available within 24 hours!  Applicants can borrow anywhere from £500 to £50,000 dependent on the value of their vehicle. Flexible Loan Period: The standard loan term is 78 weeks; however customers can choose to settle their loan early.

 APR: The Logbook Loans APR reflects the fact that the applicant does not have to pass a credit check and is not subject to any other qualifying criteria such as employment or income details.

Find out how Logbook Loans can help you raise the Cash you need today

PaydayBank offers same day payday loans. We provide an immediate response to our customers, who require quick loans of up to 750 GBP.
Our company operates fully online, which means we can provide fast and convenient solutions when you need them.

If you are looking for a Pay Day Loan, PayDayBank offers an instant decision. Apply today

“The current market conditions mean that many lenders want to be certain that new applicants are not at any risk of becoming indebted” confirmed Neil Munroe, External Affairs Director, Equifax. “And this includes looking at how many credit cards they may have on their credit file – even if some of those accounts aren’t being used at all. A considerable number of credit cards on an individual’s credit file could have quite a detrimental affect on their credit score – and could be the difference between them getting a yes or no on a new loan or credit card application. Their score will also, just as importantly, could have a significant influence on the rate they are offered.

“Many consumers keep extra accounts open for an emergency. However dormant accounts, where the account is not active but has not been closed, can leave consumers vulnerable to credit refusal and even ID theft. It’s crucial, therefore, that if someone has an account or card they simply are not using – and probably don’t intend to use again – they close it down.”

Equifax is advising consumers to get a copy of their credit report to check on all the accounts they may have opened and identify any that might be worth closing. Getting an up to date copy of their credit file will also give them a valuable insight into any accounts that may have a small outstanding balance that, perhaps, they had forgotten about because the minimum payment was being made by standing order each month.

“Of course many consumers have a very good grip on their financial commitments” continued Neil Munroe. “But a recent survey we conducted amongst Equifax Personal Solutions customers* revealed that 15% didn’t know how much they owed on credit cards and other loans. For these individuals, getting a copy of their credit report could provide a useful insight – and even save them some money in the long-term.”

The Equifax Credit Report, with the facility to access credit information for the first 30 days free, is accessible simply by logging onto www.equifax.co.uk. Designed to help individuals understand their credit file and see what lenders see to assess new credit applications, the Equifax Credit Report also includes expert tips and advice to help consumers take the right steps to manage their finances and navigate through life’s challenges.

If the customer does not cancel before the end of the 30 Day Free Trial, the service will continue at £6.99 per month, giving them unlimited online access to their credit information and weekly alerts on any changes to their credit file. It also includes an online dispute facility to help them correct any errors on their credit file simply and quickly.

*Survey conducted May 2009 amongst 1704 Equifax Personal Solutions customers

Remember, just one missed payment could damage your credit history for up to six years. That’s a massive risk when are not in control (due to an accident, sickness or sudden unemployment).

So how do you protect yourself, your income and your family during these times?

British Insurance staff are UK based and very well trained. They are a multi-award winning insurance provider. British Insurance are market leaders for accident, sickness and unemployment insurance. They are recommended in virtually all national newpapers, as well as TV programmes such as ‘Tonight’ with Sir Trevor McDonald and ‘GMTV’ with Martin Lewis.British Insurance are fully authorised and regulated by the Financial Services Authority.

Click here to find out more