Category Archives: Loans

Loans

College Finance, Financial, Financial Services, Loans, Money

If You’re Looking For A Good Deal On A Payday Loans, Quick Cash Advance And Personal Loan Then You Are In The Right Place!

Indiana Campaign Finance (ICF), expert providers of payday loan solutions, recently announced an expansion of their current offerings to include the Go Faxless Payday Loans service. Available online, the no fax payday loan option creates a seamless way for individuals to achieve their short term loan goals.

“The Go Faxless payday loan service is just one more way we help our clients reach their goals. Most applicants receive their cash within 24 hours of submitting the easy to use payday loan form”, ICF, CEO of Indiana Campaign Finance stated. See also Home Loans Online

The requirements for ICF’s Go Faxless Now are simple. Applicants are required to maintain a job or provide proof of stable income such as payments received through employment, social security, retirement, or state support. See Student Loans Now Applicants must also be 18 years of age or more and have an active savings or checking account. The checking and savings account information is used exclusively for the payday loan deposit. The ICF website gathers the required information through a secured online form which is then sent for review. Fast Personal Loans see also.

With the Go Faxless option, ICF lenders deposit the money approved applicants request directly into their checking accounts within hours of application submission. In return, the loan amount and any associated fees are repaid by ICF lenders through funds withdrawn from the same savings or checking account of the applicant. The loan repayment typically occurs 2 weeks after the applicant has received their funds, although loan repayment extensions and other loan terms may also be available. Mortgage Loan and Bad Credit Loan is ok!

The faxless payday loan service is available to consumers nationwide 24 hours a day, 7 days a week via the ICF website. For more information or to submit a faxless loan application visit ICF online at our site.

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Banks, Credit Cards, Financial, Financial Services, Loans, Money, Personal Finance

Barclaycard Has Revealed That Spending On Mother’s Day Gifts Was Down In 2009 When Compared To The Year Previous

The data from Barclaycard Payment Acceptance, which enables retailers to accept payments from both debit and credit card, confirms that families across Britain are opting for less expensive gifts for Mother’s Day in the current economic climate.

Spend on flowers was down 15 per cent in the two weeks leading up to Mother’s Day this year compared to the same period last year while spending on chocolates was up 23 per cent compared to last year, suggesting that people are managing the expense of special occasions by purchasing more economic gifts rather than expensive floral presents.

Restaurants and jewellery shops were the least affected with spending almost identical to last year. Treating mum to lunch remains a popular gift, with spending in restaurants up slightly (0.3 per cent) compared to last year. Jewellers saw a very small increase in spending in the two weeks leading up to Mother’s Day, with sales up 0.1 per cent compared to the same period in 2008.

Commenting on the data, Stewart Roberts, Business Development Director at Barclaycard said: “People don’t want to let special occasions pass them by without buying a present of some sort but what we are seeing is that children are opting for a less expensive gift rather than the more extravagant floral arrangements in these tough times.”

These figures are taken from Barclaycard Payment Acceptance data from March 2008 and March 2009. The figures relate to spending on certain products and services usually associated with Mother’s Day: The year-on-year comparison figures relate to spending in the two weeks prior to Mother’s Day 2009 and the corresponding period in 2008. The restaurant comparison covers Mother’s Day 2009 spending compared with 2008.

About Barclaycard:
Barclaycard, part of Barclays Global and Retail Commercial Banking division, is a leading global payment business which helps consumers, retailers and businesses to make and accept payments flexibly, and to access short-term credit when needed.

The company is one of the pioneers of new forms of payments and is at the forefront of developing viable contactless and mobile payment schemes for today and cutting edge forms of payment for the future. It also issues credit cards and charge cards to business banking customers and the UK Government. Barclaycard partners with a wide range of organisations across the globe to offer their customers or members payment options and credit. In addition to the UK, Barclaycard operates in the United States, Europe, Africa and the Middle and Far East.

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Banks, Financial, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance

It May Still Be Some Time Before The Bank Of England See The Need To Raise Interest Rates, But With The Cost Of Funding Fixed Rates Pre-Empting Any Change In Bank Rate, There Are Already Signs That Fixed Rates Could Cost More

The cost to lenders to fund some fixed rates isnow higher than earlier this month despite the introduction of quantitative easing measures, which it was hoped would help reduce borrowing costs, and this has already had some knock on effects. Less than two weeks ago, the cheapest 5 year fixed rate was a fantastic 3.95%, one of the lowest 5 year fixed rate mortgages seen in the UK. However, today, the best you can achieve is 4.24%, still attractive but an increase that will cost a borrower with a £200,000 interest only mortgage an extra £2,900 over 5 yrs.

These headline grabbing rates are also usually reserved for borrowers who have at least 25%, and often 40% equity in their homes, and as house prices continue to fall, fewer homeowners will qualify.

Those borrowers that don’t qualify for the lowest rates face a very difficult decision. Do they take what is historically still a competitive fixed rate, or do they save money now and stay on their lenders standard variable rate (svr). If they opt for the svr they are likely to see their equity eroded further, and run the risk that fixed rates in the future could be considerably higher.

Many lenders will not lend to borrowers with less than a 15% stake in their home, so fixed rates are harder to find. Richard Morea from London & country Mortgages advises, ‘Whilst it’s unlikely that rates will climb steeply in the near future, a combination of any rise, and the continued erosion of equity mean that whichever rate you qualify for, now is the time to consider a fixed deal, and take action to secure it!’

For more information and no-fee advice, borrowers should call free on 0800 373300.

London & Country (L&C) is the UK’s leading no-fee mortgage broker. Based in Bath, it provides whole of market advice via telephone and post to clients nationwide. As well as residential mortgages, it also specialises in the Buy-to-Let and adverse-credit sectors.

L&C is a Climate Neutral company and for the last seven years has invested in climate friendly projects and tree-planting to help offset its emissions and those of its customers. For more information, go to www.lcplc.co.uk/green

L&C has won numerous awards including:

Best Mortgage IFA/Adviser of the Year – Money Marketing, 2004, 2005, 2006 and 2008
Best Technology Adviser – Money Marketing 2007
Best Mortgage Broker outside London – Mortgage Strategy, 2004 and 2005
Best National Broker – Mortgage Introducer 2005, 2006 and 2007
Best Overall Broker – Mortgage Introducer 2005
Overall broker of the year – Pink Home Loans, 2006 and 2007
Top 100 company in the Sunday Times Fast Track 100 for 2004 and 2005
Business of the Year – The Bath Business Awards 2005
Growth Strategy of the Year – National Business Awards (Wales and West) 2008
Business Leader (Broker) – British Mortgage Awards – 2008
Online Mortgage IFA of the Year – Financial Adviser – 2008

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Banks, Debts, Financial, Financial Services, Foreclosure, Home Equity, Loans, Mortgage

Stop Foreclosure On Your Home, Work With A Loan Modification Specialist

The HRP Office, www.hrpoffice.com, is open in Surfside Beach, South Carolina and ready to assist clients with their mortgage needs. The owner, Dr. Michael W. Cantrell, Sr. and his staff are experienced loan modification specialists. Their long time strong relationship with most major banking institutions enable them to work faster, smarter and less expensively than other loan modification companies. Clients of HRP, LLC quickly come to recognize them as the experts in helping them get their loans successfully modified.

What kinds of situations can the HRP Office, www.hrpoffice.com, help their clients with?

Homeowners who are behind on their mortgage payments
Homes currently in foreclosure 
Homeowners have an ARM that has adjusted higher or will adjust higher in another month or two
Homeowners who have a legitimate hardship
Reduced income, reduced hours, pay cut, loss of job, relocation, demotion
Homeowners who went on Disability or Workers Compensation
Divorce/Separation
Excessive medical bills
Back taxes that are currently being paid back 
Death of household provider
Failed business

The staff at HRP, www.hrpoffice.com, guarantees their services 100%; they are an industry leader in loan modifications. With a staff of licensed attorneys as well as experienced processors and negotiators, they work together to handle each and every case with the utmost care and concern. Lenders have very specific guidelines that must be met before they will agree to modify a loan. HRP knows what those guidelines are and how to get their clients the very best possible option available. They work for the homeowner, not the lender, so your best interests are their main concern.

What can the HRP Office, www.hrpoffice.com, do for their clients?

Pre Qualify a case at no cost to the homeowner
Provide the homeowner with access to their account online 24/7
Prepare a comprehensive modification package to best position each case for success
Engage in hard line negotiations with lenders to ensure the best possible outcome for their clients
Stop collection calls on overdue mortgage payments
Postpone imminent sale dates so the homeowner can breathe easier

Custom Analysis for Each Client
The staff of the HRP Office, www.hrpoffice.com, understands that everyone’s financial situation is unique, which is why they offer comprehensive, personalized, and proven modification programs that get results. The legal experts at HRP understand the importance of providing individual services that are tailor made to effectively meet the personal financial needs of their clients.

100% Guarantee
Dr. Michael Cantrell and his staff take pride in their level of service and client support and are committed to providing the most rewarding experience possible. HRP’s, www.hrpoffice.com, web-based software allows their clients to have access to their account 24 hours a day 7 days a week. People can check the status of their loan modification case at any time. Clients can also contact their HRP team members via email, fax or phone at any time. Dr. Cantrell had this to say about HRP “Our specialized attorneys, paralegals, negotiators, processors and customer service professionals are unmatched. We provide customized, personal attention to your individual situation and we emphasize customer support and long term solutions for you. Simply put, we strive to provide the best customer service in the industry, and our results-oriented negotiators take pride in consistently meeting and exceeding our client’s expectations. Ultimately, we provide clients with renewed financial optimism and a valuable savings of time and money. In addition, our company has the resources, banking relationships, ethical standards and legal expertise that other companies cannot offer which can translate into significant benefits for our clients.”

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Checking & Savings, Debts, Financial, Financial Information, Financial Management, Financial Services, Financial Solutions, Loans, Money, Mortgage, Personal Finance

The Importance of Keeping on Top of Mortgage Payments

Responding to the news that the number of homeowners falling behind on their mortgage payments has risen by almost a third (31%) in the past year, debt consolidation company DebtAdvisersDirect.co.uk has emphasised the importance of keeping on top of mortgage payments, adding that a mortgage should be the top priority for any homeowner.

The company added that borrowers who are having difficulty with their mortgage payments should seek expert debt help as soon as the problem emerges.

The latest figures from the FSA (Financial Services Authority) showed that there were 377,000 borrowers in arrears on their mortgages at the end of 2008 – up 10% in the final quarter alone, and 31% higher than the same period in 2007.

The figures refer to mortgage accounts in arrears by 1.5% or more of the borrowed balance, roughly equivalent to arrears of at least three months.

The figures mean that 3.4% of all mortgages were in arrears at the end of 2008, compared with 2.3% at the end of 2007. Meanwhile, new repossessions increased by 60% compared with the same time period in 2007.

A spokesperson for Debt Advisers Direct said: “We would expect an increase in the number of homeowners falling behind on their mortgage debt in recent months, but these statistics show just how quickly it is occurring.

“Considering the economy is potentially about to enter a more severe stage of the recession, it’s very important that homeowners are careful with their finances and avoid falling behind on their debt repayments.

“In particular, a mortgage should be the number one priority for any homeowner. It is important that all debts are repaid on time, but a mortgage pays for the borrower’s home – and as such, failing to keep up on payments could eventually result in the home being repossessed.”

The spokesperson also said that if other debts are making it difficult to pay the mortgage, a professional debt adviser may be able to recommend a suitable debt solution that could make the borrower’s unsecured debts more manageable.

“There are few debt solutions that deal directly with mortgage repayments, although in some cases a debt adviser may be able to negotiate with mortgage lenders for a reduction in payments. However, a debt solution that deals with the borrower’s unsecured debts could reduce the homeowners monthly outgoings, and therefore make it easier for them to meet their mortgage payments.”

The Debt Advisers Direct spokesperson added that if the situation becomes more serious and the homeowner cannot see a way of repaying their debts in full, an IVA (Individual Voluntary Arrangement) could help them avoid bankruptcy by paying off an agreed percentage of their debts, and therefore help them avoid losing their home.

“If the homeowner can agree a repayment plan for their mortgage arrears, then an IVA can be arranged around that, meaning both the homeowner’s mortgage and their unsecured debts are taken care of.”

However, the spokesperson was keen to emphasise the importance of speaking to a professional debt adviser before deciding on any debt solution.

“Different debt solutions are more appropriate for people in different situations, and equally they all have their drawbacks. An expert debt adviser can help to explain the pros and cons of each debt solution, to help the borrower in establishing which debt solution is best suited to their individual needs.”

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Debts, Financial, Financial Management, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance

Mortgage Debt: Comment On Housing Equity Injection

Responding to news that homeowners had injected a record £8 billion into housing equity in the final quarter of 2008, debt management company Gregory Pennington stressed that this reversal of a long-term trend was due to a combination of factors, rather than any single event.

“Prior to Q2 2008,” said Melanie Taylor, Head of Corporate Relations for Gregory Pennington, “the last time we saw homeowners injecting money into housing equity was in Q2 1998, when they injected £279 million – a mere 3.5% of the amount injected in the final quarter of 2008.”

In the decade following 1998, of course, the average house price virtually tripled, which obviously enabled millions of homeowners to turn many billions of housing equity into cash. The highpoint of this occurred in Q4 of 2003, when £17 billion of equity was withdrawn – a full 8.5% of post-tax income.

A full decade of rapid price rises meant that homeowners were both willing and able to keep on withdrawing equity for some time after the house price boom came to an end in 2007: it wasn’t until the second quarter of 2008 that equity injections began to outweigh withdrawals.

“Standing at £1.8 billion in Q2, quarterly equity injection rapidly soared to the record level of £8 billion by Q4 – thanks to a falling base rate and a faltering housing market, as well as worries about the recession in general.

“Plummeting from 5% to 2% in Q4 alone, the falling base rate had two crucial effects on the way homeowners treated their mortgage debt. First of all, it helped people find new deals with lower monthly payments, and enabled people with existing tracker and SVR mortgages to overpay their mortgages without spending more than they were used to. Second, it led the banks and building societies to drop the rates they were paying on savers’ accounts. Many people looking for the best return on their ‘spare’ money realised that overpaying their mortgage would be much more valuable in the long run than putting their money in a savings account.

“Looking beyond interest rates and house prices, the recession itself has prompted a more conservative attitude, particularly among people who’ve experienced recessions in the past. The news has been full of repossessions, redundancies, ‘awful’ economic conditions – and a succession of dire predictions from a wide range of respected bodies, making it clear that things were expected to get a lot worse before they got better.”

Whatever the reasons, overpaying the mortgage can deliver various benefits: “Aside from reducing the amount of interest they’ll pay over the lifetime of the mortgage, overpayments can also shorten the actual term of the mortgage, meaning the homeowner will own the property outright sooner than initially expected. There’s also the question of reducing their mortgage debt and increasing the equity in the home, which can give homeowners access to mortgage deals with much lower interest rates – something which many will be keen to do as soon as possible, before the base rate has a chance to start rising again.”

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Debts, Financial, Financial Management, Financial Services, Loans, Money, Personal Finance

The Importance Of Getting Debt Help At The First Sign Of Financial Difficulties

Debt management company Gregory Pennington has emphasised the importance of getting debt help at the first sign of financial difficulties, following research showing that the average UK worker spent the first 83 days of 2009 earning just enough to cover the interest on their debts.

Unbiased.co.uk have said that March 25th was this year’s ‘Debt Freedom Day’ – a theoretical date on which the average UK worker’s earnings have covered the amount they will pay in interest on their debts (not including mortgages) over the course of the year.

The date came more than two weeks later than last year’s Debt Freedom Day, which fell on Ma rch 2nd 2008. This means that debt levels amongst people in the UK have risen, despite increased caution amongst lenders.

Unbiased.co.uk’s figures showed that personal loans borrowed in 2008 amounted to £11.6bn in 2008 – up by more than £1.6bn on the previous year. Meanwhile, mortgage debt from equity release loans increased by £6.5 billion. Debt on credit cards, however, fell by £4.9bn.

A spokesperson for Gregory Pennington commented: “We can look at lending figures from recent years and see how much personal debt has risen, but the amount of time it can take to repay the interest on those debts may surprise some borrowers.

“It’s also worth remembering that this is before the borrower has started repaying the actual debt, which suggests that a lot of people may be spending a considerable proportion of their annual income repaying debts.”

Debt Freedom Day works on a similar basis to ‘Tax Freedom Day’, recorded by the Adam Smith Institute, an economic think tank. Last year’s Tax Freedom Day fell on June 2nd – meaning that if these figures are combined, the average UK worker spends almost three quarters of their annual income on tax and debt interest.

The Gregory Pennington spokesperson said that the figures not only show how much the average UK worker spends on debt interest each year – they also show how much better off they could be once those debts have been taken care of.

“Especially in difficult times for the economy, reducing debt can ensure that people are well-prepared for what the future may hold. If costs begin to rise sharply, or any other unexpected financial events occur, people who are in debt are more likely to struggle. If that results in the borrower missing debt repayments, the situation can become quite serious.

“The fact that interest rates have fallen sharply in recent months will help some people – particularly those who have experience a fall in their mortgage costs – but for situations that have become more serious, finding the right type of debt management could make a big difference.

“We advise anyone who is struggling to repay their debts to seek professional debt help at the first sign of difficulty. A debt adviser can discuss the borrower’s situation in confidence and, if necessary, recommend a suitable debt solution for their personal circumstances.”

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College Finance, Financial, Financial Services, Loans, Money

Indiana Campaign Finance Announces Payday Loans

Now, through Indiana Campaign Finance — fast payday loans — from the convenience and privacy of your desktop. No fooling — there’s no faxing. Just quick funding. No tedious, time-consuming, paper-greedy processes to hold you back or tie you down from the solution that awaits you, thanks to Indiana Campaign Finance.

ICF knows that some situations call for a fast and trouble-free fix, so our knowledgeable experts have created the online No-Fax Payday Loan, for the fastest prescription for your short-term financial crunch.

For those urgent, worrisome times when “help can’t wait,” Indiana Campaign Finance (ICF) can come to your rescue. home loans ICF isn’t just any port in the storm — it’s your modern-day solution for modern-day financial woes. Use fire to fight fire — apply for your ICF Payday Loan, and get help, fast.

Apply for an easy, fast ICF student loans or Payday Loan online and get your money deposited directly and conveniently straight into your bank account, with no faxing or intervention required. No anxiously waiting for mail deliveries that might get held up or misdirected – you’ll be the first to know when help has arrived, not your mail carrier.

If you can type, ICF can help — it’s just about that simple. Armed with just your paystub and the privacy of your computer, you can truly feel better fast by attacking what really needs to be done: dealing with urgent debt and quieting creditors through help from ICF.

Now is the time to exchange desperation for relief — why wait? ICF is on your side. — or can be, as soon as you say the word. 

Don’t hesitate to turn to ICF for help — with financial debt, like a hole in the roof, things will only deteriorate the longer you wait. 

Act now to stop your expensive debts from getting even bigger. With the savvy and sympathetic staff at ICF, there’s no need to wait or hesitate.

Afford yourself some urgently needed peace of mind: with a quick-fix remedial Payday Loan from Indiana Campaign Finance, you can buy yourself some breathing room to think straight and fly right. Apply For the ICF No Faxing Payday Loans Online And Get Your Loan Now! Indiana Campaign Finance Payday Loan online applications are at your fingertips, at http://www.indianacampaignfinance.com/loans/payday-loans.html.
Remember, the sooner you apply, the sooner you’ll breathe easier. See also : auto loans, bad credit loans

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Financial, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance

Fixed rate mortgages are low, particularly for those with at least 25% equity, but will they/can they get any cheaper?

Tracker mortgage rates mirror any change in bank rate, but with mortgage lenders increasing tracking margins, and with bank rate at 0.5%, have you missed the boat?

Unusually, standard variable rates may also look attractive, but are lenders passing on any change in interest rates, as they struggle to retain savers?

If you are unsure what to choose, here are some L&C tips on how you could hedge your bets.

A mix and match mortgage is where you take part on a variable rate and part on a fixed rate. This gives you some security but will also mean you don’t completely miss out if rates fall again. The downside is that you’re likely to pay an arrangement fee for both schemes.

Drop lock mortgages, offered by lenders such as Halifax, Nationwide and C&G, allow you to take a tracker deal, but switch to a fixed rate in the future without penalty.

This might seem the perfect solution but timing your switch will be tricky, and is likely to involve your home being revalued. With house prices continuing to fall, a revaluation could see you move into a higher loan to value band with higher rates, so even if fixed rates generally fall, you could end up paying more. Any switch is also likely to mean a new arrangement fee.

You could also consider a capped tracker mortgage. The tracker means you don’t miss out on interest rate cuts, and adding a cap means there is a maximum rate you can pay, so if rates rise above the cap, you don’t need to worry.

The Coventry and Yorkshire Building Societies and Woolwich have all recently launched capped trackers.

To find out more visit the best buy mortgages section of the L&C website.

Whatever you do, L&C’s advice is don’t delay. With lenders reserving their best deals for those with up to 40% equity, and falling house prices eroding your equity, any delay could cost you dear.

For more information and no-fee advice, borrowers should call free on 0800 373300.

 

London & Country (L&C) is the UK’s leading no-fee mortgage broker. Based in Bath, it provides whole of market advice via telephone and post to clients nationwide. As well as residential mortgages, it also specialises in the Buy-to-Let and adverse-credit sectors.

L&C is a Climate Neutral company and for the last seven years has invested in climate friendly projects and tree-planting to help offset its emissions and those of its customers. For more information, go to www.lcplc.co.uk/green

L&C has won numerous awards including:

Best Mortgage IFA/Adviser of the Year – Money Marketing, 2004, 2005, 2006 and 2008
Best Technology Adviser – Money Marketing 2007
Best Mortgage Broker outside London – Mortgage Strategy, 2004 and 2005
Best National Broker – Mortgage Introducer 2005, 2006 and 2007
Best Overall Broker – Mortgage Introducer 2005
Overall broker of the year – Pink Home Loans, 2006 and 2007
Top 100 company in the Sunday Times Fast Track 100 for 2004 and 2005
Business of the Year – The Bath Business Awards 2005
Growth Strategy of the Year – National Business Awards (Wales and West) 2008
Business Leader (Broker) – British Mortgage Awards – 2008
Online Mortgage IFA of the Year – Financial Adviser – 2008

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Credit Cards, Financial, Financial Services, Loans, Money, Personal Finance

Woolworth’s Release Everyday Money Credit Card

If you are a Woolworth’s customer or thinking of becoming one then the new “Woolworth’s Everyday Money Credit Card” offer is for you. The advantage of the new Woolworths credit card is that it rewards you for being a loyal shopper. You receive bonus points f r o m Shopping at Woolworths and partner stores around Australia. Rewards For Shopping at Woolworth’s Supermarket. 

Earn 3 points for every dollar spent on select products at Woolworth’s supermarkets. If you spend $200 on food shopping per week then this would equate to 600 bonus points added to your Everyday Money bonus points account. Earn 2 points for every other product you buy at Woolworths, Safeway, Big W, CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets, epump, Woolworth’s/Safeway Liquor, Dick Smith PowerHouse and participating Dick Smith Electronics and Tandy stores. The Everyday Money deal also gives you 1 point for any other purchases made on your credit card. This product gives you the opportunity to earn reward points for your everyday shopping in Australia.

Redeeming your Points
Every 4 months depending on how many points you have earned in this period Woolworth’s customers will earn a Shopping Card that can be used at Woolworth’s stores and participating partner networks. The shopping card can be used for anything f r o m food shopping to the petrol pump.

Credit Card Features
The Everyday Money Card is issued on behalf of the HSBC Bank and is subject to their lending requirements. The low purchase interest rate as of March 24 2009 is 17.99 percent. For a limited time only the Everyday Money Mastercard comes with a $50 bonus shopping card upon the first card usage, and zero dollar annual fee for the first year, after which the annual fee is $49 per year. If the balance transfer is not paid off within this period then the standard purchase rate applies.

Conclusion
If you are a Woolworths customer and a responsible credit card user then the rewards program offered by the Everyday Money Mastercard will provide you with advantageous benefits. Woolworths is one of Australia’s most reputable organisations and the partnership with HSBC Bank gives the Australian consumers a deal that will save.

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Bankruptcy, Debts, Financial Services, IVA, Loans, Mortgage

Tackling Unsecured Debt Can Prevent Repossession

Responding to the 2008 repossession and arrears statistics released by the Council of Mortgage Lenders (CML), debt specialists Debt Advisers Direct have stressed the relationship between unsecured debt and mortgage arrears.

“As the CML reports, there were 40,000 repossessions in 2008,” said a spokesperson for Debt Advisers Direct, “and a further 219,000 mortgages ended the year more than three months in arrears.

“For many of those people, however, the problem lay not in the cost of their actual mortgage payments, but in the cost of servicing their unsecured debts. Charging significantly higher interest rates than mortgages, unsecured debts can easily ‘snowball’ to the point where borrowers simply can’t keep up with them – where their monthly payments barely suffice to pay off the accumulating interest.

“Unsecured debts can also be alarmingly easy to take on. Credit cards and store cards in particular allow significant levels of debt to accumulate gradually: people who would hesitate to take out a £2,000 loan can find they’ve acquired £2,000 of debt on a number of cards without even noticing it.”

This combination of high interest rates and ease of access has left many homeowners with unsecured monthly debt repayments that take up some or all of the funds they need to service their mortgage debt. Unless they take steps to address this, it can end up leading to repossession.

“There are ways of reducing the burden of their unsecured debts,” the spokesperson continued. “Many people successfully negotiate with their unsecured lenders – either on their own or through a professional debt management organisation – asking them to accept lower payments, freeze interest and/or waive charges, to ensure that servicing their unsecured debts doesn’t take up funds they need to stay on top of their mortgage payments.

Others find that their unsecured debts have passed the point where negotiation is a realistic option: “In 2008, some 106,000 people in England and Wales turned to insolvency (bankruptcy or an IVA (Individual Voluntary Arrangement)) as the only realistic path out of debt – and experts such as KPMG believe this figure could easily grow by 50% this year.

“For the majority of homeowners, an IVA offers distinct benefits over bankruptcy. Like bankruptcy, an IVA lets them write off the debt they can’t afford to repay, and will have a severe impact on their credit rating. Unlike bankruptcy, however, it will allow them to retain ownership of their property.”

This is what makes it a particularly interesting option for homeowners who worry that their unsecured debts could end up costing them their home: “An IVA requires substantial commitment, as they will need to make regular payments towards their unsecured debt for five years, but those payments are designed to be affordable.

They will be calculated to take up the individual’s entire disposable income – the money they will have left after taking into account their essential monthly expenditure, such as food, petrol, utility bills and (most importantly) mortgage payments.

“So a homeowner in an IVA will be required to contribute all their disposable income to their IVA for a full five years, as well as releasing some equity halfway through the final year of the IVA to maximise the amount they can pay their unsecured creditors.

“However, they’ll know they’re protected from any legal action by their unsecured creditors – including attempts to make them bankrupt – and they’ll know their outstanding unsecured debts will be written off at the end of that period. Most important of all, they’ll know the budget they’re following is specifically designed to ensure their monthly mortgage payments will be met.”

“The important thing is to take action in time, as soon as their unsecured debts reach unmanageable levels. An IVA is a legal procedure that requires the approval of creditors who collectively ‘own’ 75% of the debt in question – in general, the sooner an individual speaks to an Insolvency Practitioner about an IVA, the better their chances of gaining that approval.”

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Debts, Financial, Financial Management, Financial Services, Loans, Money

Managing Debts When The Economy Slumps

Responding to the Fourth Quarter Economic Survey from the British Chambers of Commerce (BCC), debt management company Gregory Pennington stressed that negotiating with lenders is an important part of dealing with (and preparing for) the kind of ‘tough times’ that the Survey spells out.

“Most economic reports contain a mixture of good and bad news,” said a spokesperson forGregory Pennington, “but the BCC has stated – in black and white – that ‘There are nopositive features in the Q4 results’, going on to use words like ‘awful’, ‘terrible’ and‘alarming’. There’s no point in being overly negative, but the report clearly spells out that last year ended badly – and that businesses throughout the UK are in for a rough 2009.

“Every time a business fails, this inevitably has a negative impact on consumers’ finances – not just its actual employees, but everyone connected to the business, from its suppliers to its commercial customers. Everyone who depends on that business for all or part of their income will have to make the necessary adjustments to their lifestyle, until they can find a way to raise their income once more.

“During a period of economic turmoil and high unemployment, carrying debts can beparticularly dangerous. Anyone entering a period of unemployment with significant unsecured debts to their name is far more likely to run into difficulty almost at once: as well as paying for essentials such as mortgage / rent, utilities, food, petrol, etc., they’ll need to stay on top of payments to their unsecured debts – payments which have suddenly become much harder to afford.

“When someone (whether employed or unemployed) can’t keep up with their debt repayments, this can lead to charges and legal action, and can draw them into a ‘spiral’ of debt, in which all their efforts to reduce the debt aren’t enough to keep pace with the rate at which it’s growing. Negotiating with lenders – through a debt management plan, for example – can help them avoid this, as their lenders may agree to accept lower monthly repayments, waive charges and freeze or reduce interest.”

“Of course, surviving a period of unemployment will be easier if they’ve taken precautionary steps beforehand – perhaps when they hear warnings from organisations such as the BCC, the International Monetary Fund or the International Labour Organization. For example, some people may attempt to overpay their mortgage so they’re in a better position if they need to take a payment holiday later on. Others may choose to concentrate on their credit card debt or overdraft, trying to reduce the monthly cost of servicing their debts, as well as the overall debt itself.

“They may not be able to clear their debts altogether, but that doesn’t mean they can’t make a good start. The more progress they can make, the easier it will be to cope if they are made redundant – and if they aren’t, they’ll still benefit from reduced interest payments and increased financial security.”

Borrowers who do end up losing their job may find that a debt management plan could help them adapt to living with a reduced income more quickly. “Their debt managementrepresentatives will be able to talk to their creditors, trying to re-negotiate lowerrepayments that reflect their lower income. In many cases, lenders would recognise thattemporarily accepting lower payments (if necessary, nominal payments) could help theborrower cope until they could find new employment – or to get back on top of their debtsonce they have found it. After all, in the vast majority of cases, it’s in everyone’s interest to ensure the borrower has an opportunity to repay their debts, rather than beingdeclared bankrupt.”

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Financial, Financial Services, Home Equity, Loans, Money, Mortgage, Personal Finance

L&C Customers Save £5.9M In Broker Fees

The mortgage market has changed out of all recognition in the last 18 months and borrowers are ever more keen to seek quality advice without incurring a heavy cost for that advice. Mortgage arrangement fees have soared in recent years and with some broker fees amounting to as much as 1% of the mortgage amount on top, borrowers cannot ignore their impact.

“Fee-free, whole of market advice coupled with quality service from application to completion has been central to borrowers choosing L&C. With mortgage availability restricted the last thing our borrowers want to face is another fee. That’s why we are maintaining our commitment to fee-free mortgage advice”, commented David Hollingworth at L&C.

Borrowers seeking fee-free advice should call 0800 373300. Saving in broker fee calculated based on a fee of £250 per mortgage.

London & Country Mortgages Ltd is the country’s leading whole of market no-fee mortgage broker and submitted in excess of £4bn of mortgages to over 70 lenders in 2008.

L&C has won numerous awards including:

Best Mortgage IFA/Adviser of the Year – Money Marketing, 2004, 2005, 2006 and 2008
Best Technology Adviser – Money Marketing 2007
Best Mortgage Broker outside London – Mortgage Strategy, 2004 and 2005
Best National Broker – Mortgage Introducer 2005, 2006 and 2007
Best Overall Broker – Mortgage Introducer 2005
Overall broker of the year – Pink Home Loans, 2006 and 2007,2008
Top 100 company in the Sunday Times Fast Track 100 for 2004 and 2005
Business of the Year – The Bath Business Awards 2005

Growth Strategy of the Year – National Business Awards (Wales and West) 2008
Business Leader (Broker) – British Mortgage Awards – 2008
Online Mortgage IFA of the Year – Financial Adviser – 2008

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Banks, Credit Cards, Financial, Financial Services, Loans, Money, Personal Finance

Following the huge popularity of Barclaycard’s waterslide advert, the credit card provider has created an online game to help promote their contactless payment method

The waterslide game sets users a time limit in which to complete a puzzle to ensure the smooth and safe arrival of the game’s character as he travels through a city using a waterslide.

The game is based on the waterslide advert that sees an office worker cut out the hassle of public transport on his way home as he takes a shortcut by getting a waterslide directly to his house. The video has proved popular on the internet, with more than 1.3 million views and a further 60,000 views for the ‘Making of…’ video.

The waterslide advert highlights the new contactless credit card available from Barclaycard. This card allows holders to make payments of up to £10 quickly and securely, saving shoppers the hassle of searching for small change. Pre-installed technology on the card means it only needs to be pressed against a secure reader to be activated. There are currently 3000 readers in London and another 3000 nationwide, with the numbers steadily growing.

PIN details will need to be entered occasionally to help protect against fraud and any payments made that are more than £10 will also require the cardholder to enter their PIN, meaning shoppers will have 100% fraud protection on contactless transactions.*

Contactless credit cards, such as the Barclaycard OnePulse, can also come with an inbuilt Oyster card for easy use on London’s transport system.

The waterslide emphasizes the smooth, fast transactions afforded to the holder by the new contactless credit card and the online game acts as a gateway to a large collection of information about the new card – with safety and usage tips available.

*Cardholder will be liable if they, or any additional cardholder, gives or provides access to the card, account or PIN details which results in those details being used fraudulently.

About Barclaycard
Barclaycard is a multi-brand credit card and loans business which also processes card payments for retailers and merchants and issues charge and credit cards to corporate customers and the UK Government. Barclaycard is one of Europe’s leading credit card businesses and has an increasing presence in the United States.

In the UK, Barclaycard comprises Barclaycard, Sky Card, Thomas Cook and Argos branded credit cards and FIRSTPLUS secured lending. Barclaycard also manages card operations on behalf of Solution Personal Finance.

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Banks, Credit Cards, Financial, Financial Services, Loans, Money, Personal Finance

Barclaycard has announced it is to freeze its rates for existing customers, as well as offering a reduced APR for new Barclaycard Platinum and Barclaycard OnePulse customers

Barclaycard is freezing the prices for all its UK personal customers for at least the next four months. Although committed to the principle of risk based pricing, Barclaycard has decided to suspend the process to help its customers, meaning no individual will have their purchase interest rate increased until at least June due to the change in their risk profile.

At least three million UK Barclaycard customers will benefit from the freeze in rates, with purchase interest rates being reduced by between 2.5% and 5%. Selected customers will be informed directly of the change, with half of these reductions being implemented in February and the remaining taking place throughout the year. These customers have been identified as having a low risk profile and they include both those who clear their account regularly and customers who borrow.

As well as freezing rates for its existing customers, Barclaycard has reduced the headline APR for its flagship Barclaycard Platinum credit card (the most popular card in the company’s portfolio) and Barclaycard OnePulse (the combined credit, contactless and Oyster card) by 2.5% to 12.4% for new customers. In addition, Barclaycard will continue to offer a full range of cards to new customers, depending on individual circumstances and needs.

Barclaycard has also established a new helpline for customers concerned about their financial situation. Those who believe that they may get into difficulty can talk directly to an expert and receive practical support and advice by calling the helpline number available in the credit card guidance section of the Barclaycard website.

By using behavioural data shared with other credit card lenders and additional information about the total borrowings of customers, Barclaycard can now able to predict accurately when customers may be getting into difficulty, and the company is launching a programme of contacting customers who are showing potential signs of financial difficulty before they miss payments, offering support and advice to individuals as soon as possible.

Barclaycard has committed not to contact customers for up to two months to seek payment if they are actively working with the free money advice sector to sort out their financial difficulties. Continuous training of collections advisors is being undertaken to ensure that all customers in difficulty are treated with compassion, empathy and respect. Barclaycard has also committed £4.3 million over the next three years to the company’s flagship community initiative Horizons, which it launched in 2005. Working with three charity partners, including Citizens Advice, the additional money will enable Horizons to support 450,000 lone parents and their children to deal with financial hardship and build their skills for a brighter future through a programme of debt advice, financial literacy training, grants and an employability programme.

Antony Jenkins, Chief Executive of Barclaycard, said: “We recognise that 2009 is going to be a difficult year for many people and we want to do what we can, when we can, to help Barclaycard’s customers.

“Today’s announcement will assist millions of our customers and we are determined to support them further, in innovative ways, over the coming months.”

Barclaycard Platinum, APR of 12.4% with 0% BT for 12 months (3.0% BT fee applies) and 0% on purchases for 3 months.

Barclaycard OnePulse, APR of 12.4% with 0% BT for 12 months (3.0% BT fee applies) and 5% cash-back on Transport for London spend plus 0.5% on all other spends until the end of 2009.

About Barclaycard:
Barclaycard, part of Barclays Global and Retail Commercial Banking division, is a leading global payments business which understands the needs of both purchasers and sellers. It enables retailers and merchants to accept cards, helps customers make payments through card, contactless and mobile applications as well as extending credit to consumers. In addition to the UK, Barclaycard operates in the United States, Europe, Africa and the Middle and Far East.

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Banks, Checking & Savings, Debts, Financial, Financial Education, Financial Information, Loans, Money, Taxes

Many receiving a tax refund see it as “free money”. But when used wisely it can be a way to catch up on bills and set up future financial success

Receiving a tax refund can be nice in tough economic times, providing service members and families with extra money they may not have anticipated. Often, those receiving a tax refund see it as “free money” they can use to splurge on items they might not otherwise afford. But when used wisely it can be a way to catch up on bills and set up future financial success.

Pioneer Services’ newest article, Making your tax refund work for you, provides detailed suggestions on what to do with a tax refund. The article focuses on debt reduction and long-term solutions, and is suggested reading not just for military families, but for anyone getting money back from the Internal Revenue Service this year.

“Very few people enjoy paying taxes, but many enjoy getting some of it back,” said Laura Stack, chief financial officer for Pioneer Services and author of the article. “Early filers will soon start receiving their tax refunds, and it’s important for their financial health to use it wisely.”

You can read the complete article over here.

Pioneer Services, the military banking division of MidCountry Bank, provides financial services, personal loans, and award-winning financial education to members of the Armed Forces. For more than 20 years, Pioneer Services has been a leader in military lending, and supports military families and communities through a variety of partnerships, programs, and sponsorships.

For more information, visit PioneerServices.com. For loan information, visit PioneerMilitaryLoans.com.

 

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Debts, Financial, Financial Law, Financial Services, Foreclosure, Loans, Money, Mortgage

To Meet The Massive Demand For Loan Modification Services, The Parsa Law Group Ramps Up

As the foreclosure crisis in reaches epic proportions, the nation’s leading provider of legal loan modifications and loan workout services, the Parsa Law Group and its marketing arm, the National Loan Modification Center, have tripled the size of their operation in the month of January with an additional 4 attorneys, 40 support staff and over 10,000 square feet of office space.

The Parsa Law Group provides professional legal representation for those wishing to renegotiate an existing mortgage with their lender. The ultimate goal of the service is to avoid foreclosure and keep people in their home. The on-site team of attorneys and staff has helped thousands of homeowners who are facing financial hardship, have a mortgage that is upside down, or are stuck with an ARM/Interest-only mortgage they can no longer afford by stopping foreclosure, reducing their monthly mortgage payments, adjusting the principal on their mortgage, working out a modified loan with a lower fixed interest rate, and getting any missed mortgage payments tacked on to the end of their loan.

“For me this is a mission to help as many homeowners as possible stay in their homes. It’s such a shame when we see so many people that were taken advantage of with loans that were not explained to them fully or when you have someone that is about to lose their house and entire life’s savings because someone lied to them outright, or because they lost their job, or are simply going through rough financial times like so many other Americans. With the banks out to save themselves with billions in bonuses, and refusing to free up credit markets with the bailout money, a line has clearly been drawn, and we have chosen to be on the side of struggling homeowners.” said James Parsa, Lead Attorney at the Parsa Law Group / National Loan Modification Center.

“It’s been a quite challenge to keep up with the explosive growth of this area of our business,” says Mike Ponzillo, Director of Operations at the Parsa Law Group / National Loan Modification Center “we are literally hiring people every week because the calls keep coming in and every single case we negotiate with a lender requires a huge commitment of staff hours and resources on our end.”

Kelly Sneed, Marketing Manager at the National Loan Modification Center, said “Since we started this service it has been an ongoing effort from a marketing standpoint to get the word out about Loan Modifications as an alternative to foreclosure. A few months ago people didn’t know what a Loan Modification or a Loan Workout was, or how it could help them save their home.”

The Parsa Law Group together with its marketing arm, the National Loan Modification Center, is the Nation’s Leading Legal Loan Modification Provider, with thousands of homes saved. With an on-site team of attorneys and professionals that fight to save homes from foreclosure, reduce mortgage payments, and hold lenders accountable for unfair or fraudulent loans, the Parsa Law Group is the staunch legal ally that struggling homeowners need in these difficult times.

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Checking & Savings, Credit Cards, Financial, Financial Services, Insurance, Insurance Services, Loans, Money, Personal Finance

M&S Money announces the launch of new Advantage Cash ISA option

M&S Money has announced the launch of a new Cash ISA option, called Advantage Cash ISA, with a competitive variable rate of 3.10% AER/tax-free. The rate includes a 1% bonus until 21st April 2010.

For savers looking for a guaranteed return within an ISA, M&S Money is also offering a new Fixed Rate Savings option, with interest rates over 1, 2 and 3 years up to 2.75% AER/tax-free. This is a strictly limited offer and is available both inside and outside an ISA.

The launch of the new Cash ISA options comes as research from M&S Money reveals that despite the difficult economic environment, people are still planning to put their money into savings. In return, they want a safe home for their money, a good return and some certainty about interest rates.

Even if the base rate falls below 1.5%, almost threequarters (73%) of people surveyed said they would continue to save, and a further 11% plan to start saving. Only 6% said that a low interest rate would stop them saving.

When asked what was most important when putting their money into savings, a third (34%) said it was having a provider they could trust. Access to their savings came second (22%), followed by interest rate (20%) and rates that are guaranteed or fixed (15%).

With falling interest rates, getting a tax-free return is more important than ever. Overall, 81% of those surveyed said that this would be a priority in 2009.

Andy Ripley, deputy Chief Executive of M&S Money, commented; “We encourage people to make the most of tax-free savings, especially the 42% of those we surveyed who don’t use their Cash ISA allowance. With the new Advantage Cash ISA option, and a choice of fixed rates, savers can go for a variable rate with bonus, or a guaranteed return, or split their annual Cash ISA allowance of £3,600 between the two.

“As well as earning a good return, people want a safe home for their money. We can reassure our customers that all cash savings with M&S Money are protected under the UK Financial Services Compensation Scheme, so the first £50,000 per customer of any cash savings are 100% guaranteed”.

About M&S Money
M&S Money (the trading name of Marks & Spencer Financial Services plc) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top-ten credit cardprovider and the second-largest travel money retailer in the UK. M&S Money also offers a range of insurance products including car insuranceand pet insurance, loans, savings and investments.

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Banks, Financial, Interest Rate, Loans, Money

There are reasons the recent base rate cuts have not led loan providers to slash the interest charged on secured loans, as financial solutions provider Think Money points out

Following the recent spate of rate cuts, financial solutions provider Think Money raised a few points about the secured loans market.

Melanie Taylor, Head of Corporate Relations at Think Money: “In just three months, the Bank of England’s base rate dropped from 5% to just 1.5%, prompting substantial changes in the mortgage market – but not in the secured loans market. Many people have questioned this: if mortgage lenders can lower their rates, they ask, why are loans providers seemingly unwilling or unable to do the same?

“The answer lies in the differences between the mortgage market and the secured loan market. Both deal with secured credit and so depend heavily on trends in the housing market as well as the availability of credit, but the two markets are fundamentally different.

“First – and perhaps foremost – a secured loan is a second charge. If a property ends up being repossessed, repayment of the first charge (the mortgage) will always take priority over repayment of the second charge. So from the lender’s perspective, a secured loan is simply more risky than a mortgage – and greater risk has always been accompanied by higher interest charges.”

Committed to the principles of treating customers fairly, lenders will enter into possession proceedings only as a last resort, but the ‘second charge’ issue is still very much a factor in today’s economic climate, with the Council of Mortgage Lenders predicting 75,000 repossessions this year, and no clear indication of when we’ll see a recovery in the housing market.

“Second, it’s clear that the Government’s initiatives aimed at keeping people in their homes are focusing on mortgages, not secured loans. Government help is welcome, as it could help homeowners and limit the damage to the housing market, but this focus on mortgages does add to the difference between mortgages and secured loans, in terms of risk to the lender.”

At the same time, the secured loans market is being adversely affected by the same issues currently plaguing the mortgage market – primarily, the shortage of wholesale funding and the ongoing drop in property prices.

“It’s a common misconception that the base rate dictates the cost of wholesale credit, but this is simply not the case. As the Council of Mortgage Lenders has stated: ‘the cost of funds to lenders depends not on Bank rate, but on a range of other factors, including what they have to pay savers to attract deposits, how much it costs them to borrow in money markets, and the costs of holding capital and sufficient liquidity’.

“Falling house prices, meanwhile, have made lenders much more cautious about granting either secured loans or mortgages. Most analysts seem to expect prices to bottom out after falling another 10% or so this year, but there’s no guarantee this will happen, or that the subsequent recovery in prices will be either immediate or rapid.

This explains why most lenders are reluctant to offer mortgages or secured loans which would leave the homeowner with less than 20% equity. After all, a property worth £200,000 today could be worth £150,000 this time next year. It’s a worrying thought for the homeowner, but also for the lender, who might find a portion of their loan isn’t actually secured against anything – at least, not until property prices rise again.”

Think Money specialises in finding secured loans for people with all kinds of financial backgrounds. If you are thinking about getting a secured loan – or looking for loan advice – contact one of our expert loan advisers today.

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Financial, Financial Management, Financial Services, Financial Solutions, Home Equity, Loans, Money, Mortgage, Personal Finance

Many Homeowners Stand To Benefit From January’s Base Rate Cut

Following the Bank of England’s latest base rate cut to 1.5%, financial solutions company Think Money have said that many homeowners will benefit from the cut, adding that those who may not receive the benefit of the base rate cut due to mortgage collars could still save money if they remortgage.

The half-point base rate cut brings the base rate down to its lowest level since the Bank of England was established in 1694. It is the fourth cut in as many months, and the seventh consecutive base rate cut since December 2007, shortly after the credit crunch began.

The cut is a further attempt by the Bank of England to revive the market for loans and mortgages, both of which are important to the health of the economy. Despite recent sharp base rate cuts, many lenders have remained cautious with regard to their lending, while many banks have simply been unable to obtain the funds necessary for normal levels of lending.

A mortgage expert at Think Money said that on the whole, the cut is good news for the mortgage market. “In theory, a cut means that lenders can afford to offer mortgages at lower rates, which is good for homeowners. People on tracker mortgages will automatically benefit, unless they have reached their mortgage collar, and lenders may consider reducing their fixed-rate mortgages too.

“However, there is some pressure on mortgage lenders due to the LIBOR rate, which is still higher than the base rate – meaning that some of the funds lenders rely on for mortgages are more expensive than it may first appear. That may explain why a number of lenders raised the interest rate margins on their tracker rates in anticipation of this base rate cut.”

The Think Money spokesperson added that now could be a very good time for existing homeowners to remortgage, as well as a good opportunity for first-time buyers to make their first purchases. “A remortgage could save existing homeowners a lot of money, especially those who started fixed-rate deals in the last two-to-three years. Switching to a tracker deal could greatly reduce homeowners’ monthly payments, until rates begin to rise again, and many fixed-rate mortgages are cheaper than they have been in recent years.

“At the same time, we are in a situation where houses are falling in price, and interest rates are relatively low, both of which mean mortgage payments are likely to be lower than they were, say, two years ago. For that reason, it can be a good time for first-time buyers to make a move.

“Many first-time buyers are put off by the idea that mortgages are difficult to obtain. It’s true that they are more difficult to obtain than at the height of the mortgage market in 2007, but they are still very much available – it can sometimes just take a little longer to find the best mortgage deals.

“Anyone looking for a mortgage should make sure they receive expert mortgage advice beforehand. Speaking to the right people can help homebuyers to find the best rates and the best type of mortgage for their circumstances.”

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