The Creditor Climate for 2012 – time for a change?


Written on January 22, 2012 – 5:35 pm | by Carleen Anderson

Further to the success of his blog on Lloyds, Creditor Liaison Team Leader, Chris Brown, takes a moment to put fingers to keyboard and finally, tell us how it is.

Photo credit to Pat Pilon

It’s a common experience for many of our debt management clients, that the first few weeks of a plan can be the most difficult. Contact from creditors does not stop overnight and it is during this time that we write to creditors explaining our client/s have chosen to enter into a debt management plan. In order to progress with the plan, we ask creditors for information regarding what is owed to them and then await their repliesand in some cases we can be made to wait for an unreasonably long time while the contact to our client persists.

We understand how stressful this time can be for our clients, so we work as quickly as we can to deal with your creditors and get the process moving; our team are always looking for new ways to make this process as fast as possible but as you’d expect, there are a few obstacles in place to slow us down.

Obtaining information from Barclays, for example, can be like trying to get military secrets out of North Korea. We

Read more…

Tags: Creditor, Creditor Climate

Could credit card lenders see fee limit this year?


Written on January 21, 2012 – 4:42 am | by Antony Clark

A court case between millions of businesses and the countrys largest financial institutions could end up leading to lower prices and therefore potentially less credit card debt for consumers.

The lawsuit, a private antitrust case between about 5 million merchants large and small against financial giants like Visa, MasterCard and 13 of the biggest banks in the country, is over what businesses say are unfairly high interchange fees charged to them every time they accept a credit card transaction, according to a report from CNBC. And the case could have a far-reaching impact when it comes to those large financial institutions. Some analysts say they may settle – and that it could cost them as much as hundreds of billions of dollars to do so – or that it may come down to the judge making a decision that could lead to lower prices.

Some believe that the judge could institute a fee limit on credit card transactions of as little as 0.5 percent of the purchases total value, down 75 percent from the current average of roughly 2 percent, the report said. Read more…

Tags: Card, Credit Card

Waiting For Debt Help and Free Debt information?


Written on January 21, 2012 – 12:11 am | by David Jones

Even before the credit crunch the country was dangerously overstretched.

Now the cure of inexpensive re-mortgages has been took away the true size of the issue is beginning to show itself.

This only increases the risk of desperate folk becoming a victim of the various corporations that would exploit them. With offices all over the United Kingdom there is certain to be a Taxi near you. Heres lots more stuff on debt management solution. The benefit of utilizing the Taxi for your free debt counsel is they can counsel you on other legal questions that you could have. Banker It looks a noticeable start line, sitting with your banker and asking them for the free guidance their affiliations effect to give. Most credit advisors may be able to act even-handedly and supply debt guidance. Hence while a credit advisor has a plethora of info and appears as unprejudiced as they come, this isnt always true. So where are you able to go for unbiased debt guidance? Thats a great query. If youre told that youre going to have to go on a list and then was seen, then ensure the person youre talking to understands precisely what your present position is.

Read more…

Should you consider applying for auto loans if you’re a subprime borrower?


Written on January 5, 2012 – 9:41 pm | by David Jones

 

Consumer Reports issued a press release on Dec. 20. And it made frightening reading. All too many of us are putting off essential repairs and servicing on our cars, and that can have serious consequences. Not only can postponing necessary maintenance lead to problems becoming more expensive to fix further down the road, but it can also put you, your family and other road users at greater risk of being involved in an accident.


Scary statistics

Some of the responses from those who participated in the Consumer Reports survey were scary:

  1. Seventeen percent said they had put off replacing “wear items” such as brakes, light bulbs and tires. Among those aged 18-34 years, that rose to 21 percent.
  2. Twenty-two percent had postponed services that were due under manufacturers’ recommended schedules.
  3. The average respondent’s odometer read 78,000 miles, a phase during which proper vehicle maintenance is especially important.

Jeff Bartlett, the deputy online automotive editor for Consumer Reports, commented:


The family car is the second largest purchase a consumer can make.

Read more…

Cheap Debt Consolidation Loan: Merge Multiple Debts Into One


Written on January 4, 2012 – 3:42 pm | by Antony Clark

With Cheap debt consolidation loan you can also merge all your credit cards into one credit card with zero or low interest rate. This way you just have to pay only one monthly installment instead of many. Also you can get rid of the nagging calls of your creditors. Instead you will be accountable to only one lender. Your lender will also negotiate with your previous creditors to lower the interest rates of your debts. Cheap debt consolidation loans can also be availed by people suffering from bad credit status due to arrears, defaults, CCJ, IVA etc. You can avail cheap debt consolidation loans at even lower interest rate by placing one of your properties as collateral.

Cheap debt consolidation loan are available in both the traditional forms namely, secured and unsecured cheap debt consolidation loan. If you want to avail large amount of money then secured cheap debt consolidation loan is best for you but in case you want to avail small amount of money you should opt for unsecured cheap debt consolidation loan. Secured Cheap debt consolidation loan can be availed by placing a security against the loan amount. This helps you to avail cheap debt consolidation loan at very low interest rate and with flexible repayment options.

Read more…

Tags: Consolidation Loan, Debt Consolidation, Debt Consolidation Loan, Merge