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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



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



Parents getting personal loan advice from children

New research conducted by MORI for Norwich Union shows that parents are increasingly relying on their children to help with money and financial advice, such as on personal loans. The study found that about 1.3 million parents have accepted financial help from their children. Some 16 per cent of people under the age of 55 say that they provide their parents with financial assistance, and 20 per cent regularly advise them on financial matters. More than one in ten (11 per cent) also help their parents by paying bills.Mark Kelly, director of Norwich Union Personal Finance, said: “Traditionally, children rely on their parents well into adulthood for financial advice and support; however, it appears that these roles have been reversed. “With many older people facing a tougher retirement due to issues with pensions and increased living costs, it is perhaps not surprising that they are turning to their children for financial assistance.”The research shows that a greater proportion of people under the age of 35 are helping to pay their parents’ bills rather than their older siblings, with 18 per cent of under-35s providing financial assistance compared with 15 per cent of those over 35.

Posted in Uncategorized, loan, personal loan, loan calculator, direct loan, loan rate, finance home, finance investment, beneficial finance, personal finance, personal finance investing, personal finance software, personal finance news, loan finance, personal finance budget | Comments(0) October 2007