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Credit card loan costs explained

Credit card companies are boosting profits through “dubious” sales practices and “unjustifiably” high charges, Which? has reported.The consumer watchdog has calculated that credit card companies make over £400 million a year charging customers who pay bills late or exceed credit limits, with one in four people charged at least once in the last year for either of these.

Most card companies charge £20 to £25 for these slip ups - above the cost of dealing with late or missed payments, as letters are generated automatically and penalty charges are simply added on to the next bill. Which? also found that 42 per cent of its members had had their credit limit increased without them requesting it, with the people most in debt those most likely to receive extra.Malcolm Coles, editor of Which?, said: “The credit industry has an alarming number of tricks up its sleeve to wring every last penny it can out of its customers.
“Lenders seem to have no qualms about persuading people to take on more debt than they can afford and they’ll carry on doing it as long as they can get away with it.”

Posted in Uncategorized, loan, online loan, loan calculator, cash loan, direct loan, loan rate, cash loan online, loan finance | Comments(0) December 2007



New home loans tax reforms proposed

The Liberal Democrats have announced that they would increase the stamp duty threshold if they win the forthcoming general election.Party Treasury spokesman Vince Cable said that raising the threshold from the current limit of £60,000 to £150,000 would lift over 400,000 home-buyers out of paying the tax.Dr Cable told BBC One’s ‘The Politics Show’ that the plans were aimed at helping first-time buyers get a foot on the property ladder.
“First-time buyers are being squeezed out of the housing market not only by higher house prices but also by being swept into the stamp duty net,” he explained”By failing to update the stamp duty threshold Gordon Brown has hit first-time buyers and those on low incomes the hardest.”The £60,000 threshold at which stamp duty is payable was set a decade ago and has become a barrier for many buyers on low incomes.On the issue of VAT on new build homes, Mr Cable stressed this was ‘not a new tax’, but rather an attempt to equalise value-added tax He insisted: “At the present moment you pay full VAT if you refurbish your home, but you don’t if there is a new home and we are just equalising, it is an entirely tax neutral change, it is not a tax increase.”

Posted in Uncategorized, home equity loan, home loan, loan, loan calculator, cash loan, home equity loan rate, loan rate, cash loan online, home equity loan minnesota, home equity loan comparison, home equity loan bankruptcy, home finance, loan finance, home loan finance uk | Comments(0) December 2007



Brits turn their backs on loans for 2005

Reducing and paying off debts is the top financial goal for people in the New Year, a new study reveals.According to Alliance and Leicester 49 per cent of respondents said debt reduction was their key financial ambition for 2005. Second was increasing savings, the ambition of 43 per cent of people.To reduce their debts more than half (61 per cent) of people said they would budget and try to spend less and a third said they would try and earn more or take on a second job.However, one in ten said they would consider debt consolidation as a solution to reducing their debts in the New Year. Commenting on the findings, Andy Bayes, of Alliance & Leicester, said: “People are beginning to see that by budgeting better, personal debt can be reduced considerably.

This doesn’t just mean spending less, but also paying less interest on your debts. “Consolidating your existing debts onto one loan will not only save money, but offer a disciplined approach to repayment which can help bring down overall monthly expenditure,” he explained.

Posted in Uncategorized, loan, online loan, loan calculator, business loan, cash loan, loan rate, cash loan online, bank loan, loan finance | Comments(0) December 2007



Loans drive up profits

Bradford and Bingley has today reported a 6 per cent increase in profits for 2004. The mortgage provider puts the bulk of its improved performance down to strong activity in its core lending business. In a statement released on Tuesday, Bradford and Bingley reported pre-tax profits for the year ending December 31 2004 of £280.2 million, before exceptional items.That compares to £264 million for the preceding year.

The bank is also proposing a 4 per cent increase in its dividend, to 17.1 pence. The statement acknowledged that there has been an increase in arrears in the buy-to-let market, but Bradford and Bingley insisted that this was within its expectations. Although this trend is set to continue during 2005, the bank admitted, it predicts continued growth in the market.

Posted in Uncategorized, loan, online loan, loan calculator, cash loan, direct loan, fast loan, loan rate, cash loan online, fast payday loan, bank loan, banking finance, loan finance | Comments(0) November 2007



Searching for a loan could lead to credit checks

Customers searching online banks for the best deal available are being warned that they could be credit checked without knowing it.The Telegraph newspaper reports that Emma Heywood, a 28-year-old civil servant from south London, discovered that Cahoot, the online bank that is part of Abbey National, had run a credit check on her as she researched her options for a personal loan on the internet. Ms Heywood claims she had not submitted a completed application for the loan when the credit check was made.”It’s disgraceful,” she said. “I did not think they would perform a credit check if you had not gone through with the application. There is a broader issue here about protecting consumers from this; it is not fair to put them in this position. Cahoot’s system needs redesigning so the credit check is not made until you finally submit the application.”Any credit check leaves a “footprint” behind with credit reference agencies and, if a large number of footprints appear on a record, consumers’ credit ratings can be affected.

Posted in Uncategorized, loan, college loan, cash loan, loan rate, cash loan online, loan finance | Comments(0) November 2007