Category Archives: Consumer Services

Business, Consumer, Consumer Services, Financial Services, Services

Another £400m Into RBS’ PPI Compensation Fund, Says Missoldppiclaims.info

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The Royal Bank of Scotland has earmarked an additional £400m to cover the cost of compensation and refunds relating to mis-sold payment protection insurance (PPI), says leading PPI Claims Company Missoldppiclaims.info.

The nationalised bank has released figures for the last quarter showing a pre-tax loss of£1.26bn, a proportion of which is due to the allocation of a further £400m to its PPIcompensation fund. In a move echoed around the banking industry in recent months, RBS now has increased its total PPI allocation to now stand at £1.7bn. However, it is unlikely to be the end of the compensation claims for the beleaguered bank.

Its recent computer problems resulted in significant numbers of RBS, Natwest and Ulster Bank customers being locked out of their accounts for days, a mistake which has cost£175million so far with a further £50m of compensation put aside.

RBS is also part of an investigation by regulators in the UK, US and Asia – including the fraud division of the US justice department – over the part it played in the manipulation of the LIBOR inter-bank lending rate. With settlement negotiations imminent, the fines that could potentially be applied RBS believe could have a “material” impact on the company.

Despite the problems, RBS showed operating profits for the third quarter increased from£650m to £1bn, while bad debt fell by £159m and staff costs were 5% lower due to a 7% reduction in staff.

Stephen Hester, chief executive of RBS, said: “The extraordinary challenges which RBS faced following the financial crisis are being worked through successfully. The five year restructuring plan is now in its later stages with important work still to do, including an emphasis on dealing with reputational issues now that the bank’s safety and soundness has advanced so well.”

A spokesperson for leading PPI Claims Management Company, Missoldppiclaims.info said: “It’s good to see RBS recognising its responsibilities towards customers that were mis-sold PPI policies, in particular the responsibility to put customers first and treat them fairly. This can be seen in its decision to increase lending to its business customers even though there was a downturn in loan applications, but it would be good to see a similar helpful response to borrowing for its non-business customers with personal loans and residential mortgages.

The reputational issues Mr Hester refers to are likely to be industry criticisms that RBS customers play second fiddle to the short-term interests of shareholders and staff. As a result, RBS has relaxed its lending position towards its small and medium (SMEs)businesses, which has led to a an increase of new lending by 3% since the second quarter despite a 25% drop in SME loan applications due to the Olympics and doubts over the stability of the UK economy.

Analyst Richard Hunter, head of equities at Hargreaves Lansdown, said: “There is no doubting the immensity of the task RBS has faced in executing its turnaround plan, nor indeed the progress made so far.”

Via EPR Network
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Bad Business, Business, Consumer, Consumer Services, Payments, Services

Johnson, Morgan and White says that the holidays are recovery time

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Recovery firm Johnson, Morgan & White (JMW) reminds business debt holders that the holidays are often a boon for more than just retail sales. Many businesses see much of their annual profits coming in during this time of year and are more willing to work with recovery efforts.

Johnson, Morgan & White CEO and President Robert G. Cooper says that consumer spending the trickle-down effect it has on many businesses, not just those in retail and supply, can mean a higher likelihood of debt recovery this time of year.

“Many businesses have had a rough year this year,” says Cooper. “A slow economic recovery, lackluster consumer spending, and political strife have all been bitter pills to swallow for many businesses in Boca Raton, Florida, and the nation. The good news is that the holiday season is often when many business, from retail to supply to services and more, will see big income spikes. This can mean a good chance for debt recovery as those businesses try to clean the slate for the new year.”

Last year, Johnson, Morgan & White collections were up, despite a less amenable economic outlook, and speed of recovery – the time from first contact by a collector and payment – was nearly double in the fourth quarter.

“Most creditors can expect a higher chance of recovery this time of year,” says Cooper. “It is, however, a delicate process and outstanding debt that has not been collected can often be better serviced by a discreet, professional third party. This often saves business relationships and speeds up collection times.”

The holidays aren’t just a time to celebrate with friends and family, they can also be a time to lift the worries of debt and look forward to a new year.

Via EPR Network
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Business, Consumer Services, Services

123Print offers assistance to growing SMEs

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Online business card and stationary specialist 123Print is lending a helping hand to SMEs looking to expand in the current economic climate.

The retailer has expressed the importance for SMEs (small and medium enterprises) to focus on being proactive within their individual markets in order to achieve success. 123Print believes it can greatly assist SMEs looking to secure their place in the market thanks to its personalised printing service, which can be used by businesses of all sizes thanks to its affordable rates.

It is now more important than ever for companies to portray themselves to clients and customers in a professional manner, and with assistance from 123Print this can be possible without having to break the bank. The retailer is able to provide its own customers with a chance to invest in high-quality stationary products such as business cards, stamps, address labels and pens that can help to secure their business name in people’s minds.

Having a concise corporate image can also help in these tough economic times, and so having stationary and other items printed with a clean and clear brand image will ensure customers and clients feel confident in a business’ abilities. Research has also shown that when companies give away branded promotional items to clients they can give their brand a positive boost, seeing a good amount of growth as a direct outcome.

Mark Seekins, Managing Director, of 123Print said: “At 123Print we believe in helping our customers to achieve their goals by providing them with an excellent printing service. Whether our customers require low-cost 123 Print business cards, wedding invitations or easy-to-use postcard printing, we are on hand to help.”

123Print has an easily navigable website which clearly offers all of their services, so customers will be able to quickly purchase the items that they require. Not only this, but 123Print also has a range of free design templates which can be used by SMEs without any art designs already in place, however these templates can be personalised accordingly.

If customers do have any difficulties when browsing and buying on the website, 123Print has a free online web chat facility that will give customers instant access to assistance.

To find out more about 123Print’s services for SMEs, visit the official website.

Via EPR Network
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Business, Consumer Services, Services

The Divorce Handbook Helps Reduce Legal Fees and Stress

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Donald Baker’s book, The Divorce Handbook: How to Put the Worst Behind You – Quickly, Fairly, and Finally is a comprehensive guide to the emotional and legal struggles of divorce. The first three chapters are available for free at bakerandbakerlaw.com

About The Divorce Handbook
The Divorce Handbook covers topics of concern for someone going through divorce – from custody and support questions to property division guidelines. Baker has simplified the process so that divorce need not be needlessly painful—or expensive.

“Going through separation and divorce is a traumatic, life-altering experience. It’s difficult enough from an emotional standpoint,” Baker explains, “On top of everything else, there are grave and consequential issues and decisions you must face which will affect the rest of your life. It’s critical that you obtain good legal advice.”

While many assume that a book written by a lawyer would hold only legal advice, much of the advice is how to approach the emotional conflicts that are likely to come up in separation. For example, the author reveals how to explain divorce to children so that they do not feel they are at fault. Baker’s goal with the book, above all, is to make divorce as smooth an experience as possible: “I sincerely hope that you find this booklet useful, as many thousands already have.”

To learn more about Baker & Baker, visit http://bakerandbakerlaw.com.

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Business, Consumer, Consumer Goods, Consumer Products, Consumer Services, Home & Garden

Force 8’s New Range Opens New Doors for Customers

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Force 8, a leading home improvement website based in Stockport, has once again shown their dedication to creating innovative products by releasing a range of arched doors.

These doors are different to others on the market because customers can get all the benefits that a traditional composite door offers whilst adding a level of style by choosing an arched door frame.

Dennis Sumner, Managing Director of Force 8, commented;

“We are constantly looking for ways to improve our levels of customer service and offer our loyal customers something extra.

Not everyone wants the traditional styled door which is why we wanted to introduce these arched doors to the market.”

Force 8 has a “design your door” feature on their website and this has proved to be popular amongst the thousands of people who visit the website each month. With the addition of the arched door frames, customers now have a wider choice when it comes to choosing the perfect design for their front or back door.

Composite doors are renowned for their qualities including increased security and now with a new style, many customers can add a unique style to their home.

Force 8 offer 12 different door types including Twin Arch doors, 6 and 9 Panel doors, Half Arch, Twin Vertical, Half Glazed and many other types. For customers and suppliers, this means that there is plenty to choose from and Force 8 hopes to consolidate their position as a leading home improvement company by adding to its existing product range which includes composite bi-folding doors.

With showrooms in Stockport and Altrincham, you can see for yourself what great products are available. Pop down to your nearest showroom today and start making some great changes to your home by adding a Force 8 composite door or maybe some triple glazed windows.

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Business, Consumer, Consumer Services, Marriage Ceremonies, Services

Surrey Wedding Photographers Update Website

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Surrey based wedding photographers Matt and Brenda Foden have just launched an updated website with a brand new design, in keeping with the current trend for vintage style weddings.

The site, which has been rebranded to the new name Foden Photography, features a simple yet ‘warm’ design. According to co-owner, Matt Foden, ‘We wanted our new site to reflect the current trend for vintage weddings. Hence, whilst the site has a simple layout and navigational structure, it also has a very ‘cosy’ and ‘warm’ feel to it, as you can see from the textured background, and vintage font. We decided to make the change based on feedback from many customers that so many sites that they visited were ‘cold’ and ‘sterile’. For us, it’s really important to convey the warmth and personality of our brand identity, and this new site really achieves this. We are delighted with the outcome.’

Matt and his wife Brenda have also taken the opportunity to change the name of their business from ‘Matt Foden Photography’ to ‘Foden Photography’. According to Matt,‘When I started the business, 4 years ago, I shot weddings on my own. But for the last 2 years Brenda has shot with me, and has been an integral part of the business. We simply had to change the name of our business to reflect this.’

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Consumer, Consumer Information, Consumer Services, Financial Services

Research Show 4.4 Million over 21s Still Rely on the Bank of Mum and Dad, reports Bower Retirement Services

Research from LV = reveals 4.4 million over 21 year olds still borrow money from their parents. The average monthly donation from parents to adult children is £175. This is used to cover rent, bills and help pay off debts. Additionally £9,476 is awarded to fund weddings, holidays, further education and to help young adults get onto the property ladder. Although it helpingyoung adults is hardly surprising, the research revealed parents expect to continue to support their ‘children’ until the age of 38, now the average age of a first-time property buyer.

This obviously puts great financial strain on Britain ‘s parents. It eats into retirement funds and one in ten parents surveyed by LV = admitted they had spent everything they had on their children. The issue isn’t going to go away soon, particularly if predictions that the average age of a first-time buyer will be 41 by 2025 are correct.

Parents need to prepare for the future early to ensure they are well equipped financially to provide for themselves and help out their grown-up children when necessary. There are several options available, but with interest rates currently being so low, saving plans aren’t the most viable option.

Equity release plans are a more effective option for homeowners. Bower Retirement Services, an award-winning equity release advice service, can help homeowners find anequity release plan that’s right for them.

There are four types of plans available: lump sum lifetime mortgages; lifetime mortgage with flexible cash release, also known as a drawdown mortgage; interest only lifetime mortgage and home reversion plans.

The most suitable, and now the most popular comprising 68% of the market, are drawdown plans. Homeowners are lent money based on their property’s value and additionally can withdraw regular cash amounts at a frequency and value chosen by the individual. Interest is charged, but it’s only repaid when the homeowners die or move into permanent care. These mortgages allow parents to look after themselves during retirement but also offer the ability to provide assistance to their offspring.

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Consumer, Consumer Information, Consumer Services, Financial Services

Equity Release Becoming Popular Retirement Fund Solution for Baby Boomers, say Bower Retirement Services

The total value of equity release advances from April to June 2012 was £224.8 million, reported the Equity Release Council, an increase of 22% on the same period of 2011. Additionally, this amount represents the highest quarterly figure since 2009 (£231.7 million). Furthermore, the real number of plans grew by 16% between Q2 2011 and Q2 2012 showing interest in the market is up, along with actual value.

According to the Equity Release Council’s figures, people are now choosing to take drawdown plans instead of lump sum mortgages. This shows they prefer to spread risk and use equity release as a retirement income. The news comes as its revealed retired homeowners now have a total unmortgaged property wealth of £756.7 billion.

Bower Retirement Services, which offers award-winning specialist equity release advice, says equity release is a simple and effective option for homeowners looking to provide for their retirement and it exploits the property price rises of the last forty to fifty years. Many in the baby boomer generation lost large amounts in pension blunders in the nineties and again in the last recession. However, thousands continue to be locked up in property, potentially providing a retirement income for homeowners.

Bower Retirement Services offers advice on all types of equity release, from lump sum lifetime mortgages to home reversion plans, and its equity release calculator is designed to help homeowners accurately gauge how much cash they can expect to release on each type of plan.

There are four types of equity release plan, but drawdown plans now the most popular, accounting for 68% of the value of the entire equity release market. Bower Retirement Services says these types of mortgage are most suitable to homeowners looking to provide themselves with an income during retirement. The lender loans the homeowners a percentage of the property’s value and also agrees to pay a regular cash sum, or ‘drawdown’ on the mortgage value. Interest is accrued, but it is not charged until the homeowners die or move into long term care. Homeowners choose the term and value of the drawdowns, offering more flexibility than a standard remortgage plan.

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Consumer, Consumer Information, Consumer Services, Financial Services

Pets In The House Can Send Bills Through The Woof

The days of pets living outside are over with nearly 90 per cent of NSW residents giving their furry friends free rein of the house, according to research by NRMA Insurance*.

Dogs and cats are definitely best friends to many, but according to Tracy Woodley from NRMA Insurance, it seems most people prefer to keep their pets indoors some or most of the time – potentially putting their pets and belongings at risk.

“We’ve seen unfortunate cases where a pet’s foot has broken from a door opening on it or where a dog has tugged on the power cord of an expensive plasma TV and pulled it off its stand,” she said. “You should keep all your special items where they can’t be reached, and properly secure electronic cords so your cat or dog doesn’t inadvertently cause havoc.”

The insurer also warned pet owners to be extra vigilant to help reduce the likelihood of injury to their pets while they’re indoors. “Keeping your pets
indoors is generally very safe but it’s far from foolproof. Simple measures such as keeping household cleaning products out of reach will help keep nosey dogs and cats safe,” Ms Woodley said.

NRMA Insurance home claims involving pets over the past year include:
– An excited dog injured itself and caused damage to the home after running through a glass sliding door
– The family cat sleeping on the stairs injured its leg after a family member coming down the stairs stepped on him
– A dog wound-up by what was on TV required a trip to the vet after jumping onto the TV unit and injuring her leg on the way back down

Should the worst happen and your dog or cat is injured in an accident, or they accidentally damage valuables in your home, the NRMA Insurance Pet Lover’s Pack can provide cover to help with vet bills and replacing your home contents**.

For more information on the NRMA Insurance Pet Lover’s Pack visit:www.nrma.com.au/home-insurance

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LoanAdvances-PaydayLoans Reports Spike in New Applications and Reapplications

Loan Advances-Payday Loans has reported a significant rise in the number of loan requests that have been processed and approved over the last 2 years. This was the main gist of the performance report which was presented by Donna Millstone, Division head for short term loans and debts.

In a year to year comparative performance review, the company has posted a 74 percent increase in the number of payday loans that have been processed and approved, and of this number, nearly half of it is comprised by reapplications.

Millstone attributes these positive performance indicators to the strategic positioning by the company in the highly competitive market for subprime payday lending service which was anchored on topnotch customer support and high approval rates.

In a related development, QEC Money, an independent think tank that advocates consumer welfare and proper money management, has reported that the demand for payday loans and other similar short term loans has grown by nearly 60 percent over the last 6 months of the current year.

According to a reliable source within the group, this dramatic jump in the demand for short term loans is a clear indication that an increasing number of Britons are feeling the pinch and are constantly searching for ways to keep their heads above water. “In most instances, they have opted for a pre-payday quick fix,” the unnamed source explained.

LoanAdvances-PaydayLoans.co.uk has had a remarkable 37 percent approval rate since its entry into the subprime lending market. The loan requests are normally approved in less than an hour and borrowers can rely on a quick transfer of funds to their bank accounts. In addition to this, the company has also proven its mettle in providing fast and professional support and assistance to its clients for a wide range of concerns and issues.

“We adopt a cutting edge processing and referral system and we have a solid track record when it comes to our response to loan request of potential borrowers,” Millstone added. Known for its uncompromising advocacy for responsible lending practices, the company has continually endorsed applications and been transparent around costs for appropriate short term need for cash of prospective clients.

Millstone is quick to add that despite the criticisms and negative reports on this subprime lending service, it remains to be a popular and highly
proven financial tool for a significant number of Brits who are going through short term cash crunches.

“Our company and other providers of payday loans and cash advances are actually servicing the cash requirements of the segment of the market that is not actually served by banks and other similar lending entities,” Millstone explained.

Unlike banks and other similar lending institutions, www.loanadvances-paydayloans.co.ukis taking a different tack and assesses loan requests based on the monthly income of potential borrowers. The amount of loan provided by the company will not exceed that which can be paid back by the applicant within the specified payment period.

The demand for payday loans is expected to continue to rise until next year and the company assures its clients that it will maintain its current loan offerings and services and adopt the same approval rates to keep up with the requirements of its growing clientele.

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Business, Consumer, Consumer Services, Financial Services

Payday-loansuk.org.uk Reveal New Mascot – Jackson the Dog

Payday loans, the often derided side to personal finance, have been gaining in popularity for quite some time in the UK.

What was once a small, niche related business, has now become a multi-million pound industry. The demand for the product seemingly growing thanks to the lending patterns of major lenders and banks.

Established within that market is the company Payday Loans UK. Formed by two ex-bankers, the firm base it’s ethos on delivering cash advances to those refused elsewhere.

In keeping with this innovative spirit they have revealed a new mascot to go along with the usual payday loans product.

The aim of this ‘talisman’ is more of a symbol than a novelty as Nick Cox from the company explains;

“We came up with the concept of Jackson as more of a multi-functional device then an un-purposeful icon.”

“Our initial aim for Jackson is to have him implemented as an online helper on our website. He will be on-hand if the customer runs into trouble with any detail. There will be a knowledge base attached to the interface and an online operator for 2nd level queries.”

“After that the sky’s the limit really, we could have him as the spearhead for ad campaigns or even as acting CEO for the day!”

The company hopes that Jackson will bring some much needed cheer into what can be an often depressing situation.

Cox is under no illusion as to how customers feel when accessing his site;

“Payday loans suck. Let’s face it. Nobody wants to take out a loan and when they do they’re not going to be happy about it. Hopefully this will put a smile on their face.”

The company’s aims for Jackson the dog are still be sketched out and he has not yet been implemented into the user experience on the website payday-loansuk.org.uk.

The whole process is being strategically mastered as if re-homing a pet. Payday Loans UK expect the first wave of Jackson mania to start at the end of this month.

Payday Loans UK are a fast online payday loans service aimed at those refused elsewhere. Loans are approved instantly and deposits can be as fast as 15-minutes straight to customers’ UK bank accounts.

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State-of-the-art Hoardings Printing Service Launched by Just Displays

Just Displays recently launched a high resolution and large format hoardings printing service. The service, which uses digital printers that are state-of-the-art, specializes in producing advertising hoarding boards.

Just Displays, who are based just outside of London, can produce hoarding boards that are up to 3 x 1.5 metres in size, which are an ideal way of promoting restoration projects, or for construction companies to promote themselves at a reasonable cost. The boards are designed so that a durable protective film stops problems with graffiti, which can be a problem in some urban environments.

The latex printing technology is 100 percent UV stable, and consequently this prevents graphics from fading when exposed to sunlight over a period of time. This is one of the most impressive technical aspects of the Just Displays printing service. Just Displays can equally use the same printing technology it uses for outdoor print jobs for printing similar sized hoardings for indoor areas.

All Just Displays printing services offers both full design support and installation. The company can also cope with large printing projects and complete them quickly. Just Displays aims to match prices offered by its competitors for any print job involving hoarding boards.

A site survey will be carried out for customers and will include a digital style template. Further details of what Just Displays have to offer, as well as example projects, are available on its website here.

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Consumer, Consumer Alerts, Consumer Information, Consumer Services, Healthcare, Internet

HappyFitMe Womens Health and Fitness Launches

HappyFitMe Women’s Health and Fitness, the fast and elegant online custom exercise and workout platform, today announced that it has launched its women’s fitness system to the general public.

With its mission of making women’s health and fitness about a sustainable focus on positive movement and happiness,  HappyFitMe.com goes beyond the traditional, fickle barometers of counting calories and inches. A first in the fitness industry, HappyFitMe offers a robust and simple interface allowing women to improve from wherever they are at in their fitness journey and provides inspiration, structure and fun in exercise.

HappyFitMe’s download-free interface lets users workout online from anywhere, and the platform is entirely free of the advertisements that plague other freemium workout solutions.

“HappyFitMe is the one place where everything you need for exercise to be fun and inspirational is tied together beautifully — fun custom workout routines, both step by step and video workouts, tracking and sharing with friends, computer and smart phone accessible – all in perfect harmony,” said Amber Taves, a subscriber to HappyFitMe. “The fact that I have access to a personal trainer as well is icing on the cake.”

HappyFitMe leverages the cloud to support its workout systems, and it’s this advantage that lets them offer a professional grade solution for nearly free.

HappyFitMe’s Key Benefits

  • Fun custom workout routines -  Matched to your ability, no equipment needed. Fresh Video and step by step workout routines.
  • Fitness for your schedule -  All the benefits of exercise to custom fit the time you have.
  • Share with Friends – Achieve goals -  Friends cheer you on, connect through Facebook & Twitter.
  • Personal Trainer -  Your Fitness Coach for support, advice or inspiration!
  • Online Workouts from anywhere -  No software, use any computer or smartphone.

“The big online women’s fitness systems known to most of us are old and tired, crowded by ads and pretend to be experts in everything from recipes to nutrition to exercise, while those offered by new startups don’t have the polish, reliability or features busy women need,” said Tammy Andreotti, president and co-founder, HappyFitMe. “We wanted to offer the most robust yet easy-to-use web fitness solution in the market without the headaches or the unwanted advertisements. Women just love it!”

How to Register for HappyFitMe
HappyFitMe is a fast and simple health and fitness platform made for women at any fitness level, free of charge for 30 days. It takes less than 60 seconds to sign up for an account and you can be starting your workout routines and sharing your fitness journey with friends and family in minutes. Register for a free HappyFitMe trial account at http://www.happyfitme.com/free-fitness-trial/

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Consumer, Consumer Services, Home & Garden, Services

Simple Design Sees Success For Ace Sheds

When buying a shed the cost always becomes important but that is probably even more relevant in these times of austerity. The major manufacturers of wooden sheds have realised this and have adapted their market range to suit all pockets and with a little careful selection it is possible to buy a very good shed at a very good price.

The Sussex Pent Garden Shed is one of these designs but it is also one which will help the buyer by giving a good quality shed at a reasonable price. The design is a simple pent shape which means that the front is high and the back lower and the roof is a flat roof sloping down at an angle. To be exact this is not the only configuration possible because it is now possible to configure the modern shed to many different ways. The roof can slope from back to front or front to back or side to side, the door can be put into any side and at either end and the windows can be similarly altered according to the wishes of the purchaser. It requires a little thought to get the best configuration for a person’s garden. While not expensive all the garden sheds have all the woodwork pressure treated for protection against rot and disease, an invaluable feature.

The side panels use feather edge boarding, which while not the strongest is perfectly adequate and will last a long time if looked after, the roof is covered in a green mineral felt and again this will last but may need recovering in due course.

This simple shed design can be bought in a range of sizes from 4 feet x 4 feet up to 14 feet by 8 feet and it is recommended that time is taken to get the best size for the application. The small shed can be ideal to resolve the problem of small scale storage for items only relating to the garden; to the larger wooden summer houses which can also double as a workroom and storage area. Time should be taken to decide on what size and configuration is required, firstly because there are cost differences in the choice and also because firstly it has to be looked at daily for a long time and secondly it needs to be suitable for the purpose for which it has been purchased. Get it right and it becomes an invaluable resource.

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Consumer, Consumer Services, Financial Services, Services

Payday Loans Paid Enter the UK Payday Lending Market

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Paydayloanspaid.co.uk has entered the payday loans online market in the United Kingdom. With a team of financial experts who bring with them an inordinate amount of experience in the unsecured loans sector in the UK, they aim to bring something different into the challenging internet, payday lending sector.

Head of online operations, Jenny Statham explained, ‘’Many payday loan applications are declined from a number of the main lenders in the United Kingdom due to their reliance on passing one application. Our payday loans are slightly different in that we can use our strong relationships with some of the payday lenders to ensure the majority of the applications are approved.”.

Payday loans are a somewhat sensitive subject and have featured heavily in the mainstream British press in recent times, but it appears they could be featuring in the UK lending sector for some time. With some APR’s of payday loans surpassing 4 figures, they have – in some quarters – been rightly criticised. Jenny Statham added, ‘’ we try to make sure any potential applicant are fully aware of the associated costs that come with the payday loan agreement they enter into.  Our advice to people who are considering entering into a payday loan agreement with  a lender they have sourced through Paydayloanspaid.co.uk is to primarily focus on the repayment terms, if they are unable to meet the repayments costs then it is important they do not take on the payday loan.”

With a plethora of payday loan operators frequenting the internet it can be difficult to decide what lender to choose from.  Jenny Statham advised, ‘’if you are looking to secure a payday loan, it is important not to use the first lender you find. Spend some time researching the different providers to ensure you get the very best deal. As there are so many in competition with each other now, there could be some great deals to be found out there”.

Paydayloanspaid.co.uk is one of countless payday loan lenders in the United Kingdom in what some commentators are calling a ‘’saturated market”. They hope, however, to hit the ground running with an easy to use online portal, quality customer service and modest acceptance rates for new applications. Jenny concluded, ‘’we hope to attract people to our online portal who may not have used a payday loan, but have the capacity to service the loan, as new applications will typically have a greater chance of being accepted for a payday loan through our approval system”.­­­­­

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Business, Consumer, Consumer Information, Consumer Services, Internet, Reviews, Services

Parcel2Go Helping Small Businesses to Beat Royal Mail Price Increase

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Small firms feeling the squeeze following the Royal Mail’s decision to increase the price of first and second class stamps at the end of last month are being offered a helping hand by Bolton-based online parcel delivery firm Parcel2Go.

The company says businesses and individuals can try to beat the Royal Mail price increase by becoming Parcel2Go users and benefitting from the vast range of reliable and cost-effective UK express delivery solutions available through the website.

With just a few clicks of a mouse, customers can order delivery services from some of the world’s major courier companies such as FedEx, Parcelforce and Yodel. Changes to the way Royal Mail prices parcels means people will be better off sending any consignment weighing more than 750g through Parcel2Go.

Parcel2Go’s marketing director Richard Mercer said: “We understand how much pressure consumers and small businesses are under at the moment, which is why we are urging people to see if they are able to get a better deal on their package deliveries through the Parcel2Go website.

“Our quick quote function makes it simple and extremely fast to get a price for a delivery, but that simple move could result in a sizeable saving. What’s more, because we only deal with the world’s top courier firms, individuals and businesses always know their consignments are in safe hands.”

Convenience matters to everyone, which is why the Collect+ services available through Parcel2Go have become so popular. Customers not able to meet a courier to pick up their package can choose instead to drop it off at one of the 3,000 corner shops and convenience stores in the UK that make up the Collect+ network.

“Convenience, speed, reliability and affordability are what we’re about,” said Mr Mercer. “We’re calling on everyone affected by the recent Royal Mail price hike to see if they could save, and get a better service though Parcel2Go.”

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Business, Consumer, Consumer Information, Consumer Services, Internet, Reviews, Services

Provide rapid parcel delivery options and reap the benefits, says Parcel2Go

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Businesses should look to offer customers a wide range of rapid delivery options if they want to maximise sales opportunities, according to online parcel delivery specialist Parcel2Go.

The Bolton-based company has advised online retailers of all sizes to ensure that they have a variety of solutions available, including next-day, 48-hour, Saturday morning and overseas delivery options. Customers who receive their goods quickly are more likely to leave a positive review of their experience, and new research has shown just how important positive feedback is to UK businesses.

Parcel2Go marketing director Richard Mercer said research carried out by social commerce firm Reevoo had highlighted how much online shoppers value reviews from other customers, and therefore the importance businesses should place on boosting service levels.

He said: “Managing customer orders quickly and efficiently once they have been submitted is critical to the smooth running of any retail company, and research has shown the value that shoppers place on having access to cheap and fast delivery services. It’s common sense that they want to receive their items as soon as possible.

“Companies should capitalise on this and make sure that delivery options from the leading firms that people will recognise and trust, such as Parcelforce and FedEx, are easily accessible through the site at the point of sale. If customers receive their products quickly and in top condition, then of course they’re more likely to leave a positive review of their experience.”

Reevoo’s survey found that 88 per cent of the 1,000 customers it questioned said they either “sometimes” or “always” consulted reviews before heading to the checkout.

As well as offering domestic and international freight delivery options from the UK’s top couriers, Parcel2Go also provides customers with a parcel tracking facility, so consignments can be monitored no matter where they are in the world.

Via EPR Network
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Business, Consumer, Consumer Information, Consumer Services, Internet, Reviews, Services

Don’t Get Caught Out When Sending Parcels To The Relies Down Under, Says Parcel2Go

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Online parcel delivery specialist Parcel2Go has reminded anyone planning on sending parcels to relatives or friends living in Australia that shipping goods with a reliable courier company is essential if they want to ensure their package will arrive in one piece.

Australia and New Zealand have become massively popular as destinations to relocate to with Brits of all ages. A survey conducted by research firm YouGov last month found that Australia was the number one destination for Brits considering a move abroad, with the United States and Canada taking second and third place respectively. More than two-fifths (42 per cent) of the 1,650 UK adults polled said they would “seriously consider” leaving Britain, while 6 per cent of respondents said they were actively making plans to leave the country.

With an increasing number of people looking to stay in contact with friends and relatives outside the UK, Parcel2Go’s marketing director Richard Mercer has highlighted the importance of using a reliable courier when shipping abroad, and also checking that parcels are safely and securely wrapped before they’re sent off.

He said: “With the UK officially back in recession and what seems like more tough times ahead for people in the UK, it is no surprise that the prospect of a move Down Under seems particularly appealing. We just want to remind people that know someone who has taken the plunge and relocated, to take every care to ensure their overseas packages get to Australia safe and sound.

“Using one of the cheap international delivery services available through Parcel2Go makes sense for anyone looking for speed, reliability and value for money. People must also do everything they can to wrap their packages properly and prepare them for a journey of 10,000 miles or so.”

Via EPR Network
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Beauty Products & Services, Consumer, Consumer Services, Holidays Products & Services, Marriage Ceremonies, Services

DIY Budget Weddings: Rent Your Own Wedding Decor — Specialty Linen & Tablecloth Rentals +more

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When planning a wedding, couples have to decide what is most important to them in terms of spending money and time. Surveys noted that wedding rings, wedding dress, the tuxedo, the wedding planner, the florals and the decor are listed as some of the most important parts of any couple’s wedding. Wedding rings and wedding attire is definitely a crucial part of any wedding, however just how important is it to have a quality wedding planner and stunning wedding decor? Shushil Patel, an event decor designer and owner of Elegant Chairs and Linens, can attest to how important it is to have a top notch wedding planner and wedding decor designer. “For someone who has been in the wedding industry for over 8 years, my favorite part of the job is seeing the reaction of each bride as they enter into a beautifully decorated room”.

Shushil, the owner of a speciality linen and wedding tablecloth rental company says that not everyone hires a wedding planner or a wedding decorator to take care of their wedding. Some prefer to plan and decorate their own wedding to save some money, while some prefer to spend the extra money for something more luxurious and elegant. However, not having a wedding planner or decorator does not mean you can’t have a beautiful wedding. Many couples who are trying to save some money without compromising quality are deciding to take the place of a wedding planner or wedding decorator. Elegant Chairs and Linens features some of the most beautiful chiavari chairs inAtlanta. He believes a key component to a beautiful wedding is having beautiful raw materials to work with. More newlyweds are deciding to throw a DIY wedding. They are doing their own research, doing their own comparisons, planning their own wedding, renting silver and gold charger plates, wedding chairs to decorate their own wedding.

Via EPR Network
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Consumer, Consumer Services, Financial Services, Services

Paydayloansavailable.com Aiming to Decrease Application Times

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Paydayloansavailable.com is the latest online payday lender to have adapted an online lending portal to service UK residents who may be in need of an unsecured lending facility. With the onset of broker style lending,  payday loans are now being processed online in the UK by many service providers using state of the art ‘’Pingtree” technology, working in unison with the UK’s leading payday lenders, and the application facility now being operated by Paydayloansavailable.com is certainly no exception.

The application harnesses secure technology to enable new and existing applicants to push their details through to a panel of lenders after submitting one application form online. The details are transmitted through to the lenders via the application and the subsequent decision is made by one of the chosen payday loan lenders. Jenny Davis, applications manager at Paydayloansavailable.com explained, ‘’we have decided to integrate a Pingtree style application within the site to give applicants a credible opportunity to access funds. The main advantage we have is that all of our applications are submitted to different lenders. The payday providers will then either accept the loan application based on the data that has been submitted, or it will be declined. Either way there is a reduced time implication which can only serve to benefit our customers”.

Online payday lenders are now entrenched within the UK’s unsecured finance sector and it is evident the increased competition has not always culminated in an improved service provided. But, Paydayloansavailable.com aims to at least serve their customers quicker than ever before, as well as giving them increased opportunity to secure short term, unsecured funding online. Jenny Davis added, ‘’there is still a real need in the UK for short term loans and unfortunately there is not the availability of funding through the mainstream lending channels. Whilst we do not condone irresponsible lending, it is important to acknowledge there is a need for credit and we hope to be able to provide an opportunity for finance”.

Paydayloansavailable.com is aiming to make an impact on the lending sector in the UK. Despite their relatively short time operating online, by implementing cutting edge technology into their service provision, they may well be making a positive statement of intent.

Via EPR Network
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