Tag Archives: Financial Services

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”.­­­­­

Via EPR Network
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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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Consumer, Consumer Information, Consumer Services, Financial Services, Internet, Services, Shopping

Easy Saver Complaint Free Diaper Pail For Home Safety and Savings

The birth of a new baby is a magical time that can bring together a family like no other. From the first news of the pregnancy preparations begin. The happy parents to be begin purchasing the needed supplies and equipment, as well as decorating and preparing their home in anticipation of the new arrival.

As the shopping and planning begins another phase also often starts; many families must begin financial preparations for this exciting stage of their life. The fact is that a new birth can be very expensive, not only are there medical costs to consider, but time off from work, and all the things needed to take care of the baby. It’s not surprising that many expecting parents look for Easy Saver programs to help with some of these expenses. While the baby’s health and safety is first priority, the high cost of the equipment and supplies is not far from a new parent’s mind. Perhaps that is why the Easy saver complaint free diaper pail for home safety and savings has become a top seller so quickly – it addresses all needs.

It’s true that the news of a pregnancy can put new parents to be into a tailspin. For those that live in small apartments, a move may be necessary. For some that drive sports cars or trucks, a new vehicle may be in the near future. But for many, the simple act of gathering baby supplies, safe-proofing the home, and decorating can be much more than simple. The reality is that none of these things are cheap to do and in today’s world a new expense can seem overwhelming – especially if it is unexpected.

Finding the necessary baby supplies at a bargain price is not always easy – in fact, other than diapers, it is almost impossible to find these items offered at a special price or offer. That is why the EasySaver diaper pail is so outstanding. It is made in a fashion to eliminate accidental tip-overs. This pail is made to be easy to open with one hand and the non-tip feature will keep it upright even if it gets knocks about.

This quality diaper pail also comes with its own deodorizing disk – which means that the nursery can be kept odor-free even if there are diapers in the pail. Babies are sensitive to smells and this simple feature can make the nursery smell better and it will be a healthier environment for baby.

The EZ Saver feature of the diaper pail continues with the liners. Most diaper pails use special, expensive pail-sized liners that usually have to be ordered from the manufacturer. This pail is sized to use regular kitchen trash bags. With so many advantages offered by this EasySaver diaper pail it is not surprising that new parents are asking this manufacturer to create an entire line of baby products, all with quality, safety, and health features.

Via EPR Network
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Tracesmart, The People Search Experts, Celebrate Tenth Birthday

The popular online people search providers are celebrating 10 years in tracing. Tracesmart has over this period been instrumental in reuniting thousands of families and friends, and is now one of the UK’s leading online people tracing facilities.

The company was established in Cardiff in 1999 by a group of professional tracers and genealogists; specialists in the art of people tracing. To mark the anniversary, Tracesmart are offering ten free credits to their newsletter subscribers, providing the opportunity to help them kick start their search for missing friends and relatives.

The Tracesmart website offers visitors the ability to search through over 200 million electoral roll entries dating from 2003 through to today. The people location tool utilises monthly rolling register updates, ensuring customers conducting an online search are able to access the most accurate data available. This month the register provided 70,000 amendments, invaluable to users performing a people or address search. The recent update will assist those who may have tried the system before, but didn’t find the information they were looking for.

Over the years, Tracesmart has amassed a considerable amount of data. In addition to the electoral roll, Tracesmart holds the General Register Office data for every birth, death and marriage registered in the UK between 1984 and 2005; again an invaluable tracing resource. Sarah Lawrence, Tracesmart’s Customer Services Manager commented. “It’s extremely satisfying that we are able to help reunite so many friends and families, especially when the customer considered the search impossible. Some of the reunion stories are quite poignant; many of which have subsequently featured on TV and in the press.”

The company has grown significantly over the past five years, and the online people search website has seen visitor numbers vastly increase as more and more people attempt to find relatives and friends. Mike Trezise, the company’s Managing Director and driving force, commented, “The past ten years has been a fantastic journey, technology has changed our work beyond recognition. It really has moved for ward and the future is looking even better as we aim to make tracing even easier.”

About Tracesmart
Sarah Lawrence boasts over 17 years experience in the field of customer services and satisfaction. In her role at UK Certificates, she ensures the smooth day to day running of certificate fulfilment and customer enquiries.

Via EPR Network
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Consumer Protection Institute (CPI) Announces DebtResponseâ„¢

Consumer Protection Institute (CPI) announces DebtResponseâ„¢ – its new web-based solution that protects consumers in debt collection. DebtResponseâ„¢ fills the widening communication gap between debt-stressed consumers and third-party debt collectors by enabling rapid, reliable and optimized responses to debt collector communications at low-cost.

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DebtResponse™ removes the embarrassment, confusion, paralysis and confrontations associated with responding to debt collectors–whether demanding they stop contact or challenging collector claims.

“DebtResponse is a timely answer to a growing need, and is aligned with President Obama’s plans to address the United States’ credit card industry and improve the financial health of our citizens. Educational webcasts; an informative blog; and expansion to Canada, the United Kingdom, Spain and Brazil are in the planning stages.” stated Steven Sussman, President of CPI.

Founded in 2008, Consumer Protection Institute is the leader in web-based response solutions for debt-stressed consumers.

Via EPR Network
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Free Online Loan Modification Course By LoanModificationForFree.com

“Amid surge in foreclosure activity, the creator of the LoanModificationforFree.com program urges Obama Administration to do more to solve the foreclosure crisis”

According to the creator of the only truly free online loan modification course, the Obama Administration must do more to address the foreclosure crisis.

In a recent blog entitled, “Is the Obama Administration Helping or Hurting Distressed Homeowners?”, Jeremy Kossen presents data that suggests that two months after the Administration rolled out the “Making Home Affordable Program”, there has been little relief for distressed homeowners.

Mr. Kossen cites some unfortunate statistics:

• According to a report from the Federal Housing Finance Agency (FHFA), completed foreclosure sales increased 900 percent between March and April this year. 
• According to RealtyTrac, a company that compiles foreclosure data, reports that 342,000 households received at least one foreclosure-related notice last month. This is an increase of 32 percent, compared with notices issued last April. It is also the second consecutive month in which more than 300,000 households got a foreclosure filing.
• According to the Wall Street Journal; on April 15th, 2009, one of the nation’s largest mortgage servicers, GMAC, acknowledged that only 10 percent of their customers that are facing foreclosure actually qualify for Obama’s “Making Home Affordable” program.

“The Obama Administration should be commended for taking a proactive approach by promoting loan modification as a tool to prevent foreclosure”, says Jeremy Kossen. “But more needs to be done and the administration needs to be honest with the American people about who can realistically be helped with ‘Making Home Affordable’. Thus far, the program has helped far fewer people than promised.”

To enable distressed homeowners to negotiate their own loan modifications, LoanModificationForFree.com offers a free seven lesson course covering all aspects of the loan modification program and information on the Obama Administration’s “Making Home Affordable” program. The only requirement to participate is the completion of a brief, one page application, at which point the homeowner is immediately provided with a username and password which gives them access to the full loan modification program.

About LoanModificationForFree.com:
LoanModificationForFree.com is the only truly free online loan modification course, designed to educate distressed homeowners on strategies to stop foreclosure and obtain a loan modification. LoanModificationForFree.com, like other free online resources such as Google, Yahoo! and Facebook is funded by advertising and does not charge homeowners a fee for this service.

To learn more about LoanModificationForFree.com call (805) 617-0506 or visit www.LoanModificationForFree.com.

Via EPR Network
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Edward Palonek, The Founder Of Foundmoney.Com May Have A Temporary Solution For The Auto Industry

Tough economic times have the auto industry and society at large scrambling for answers. With little hope in the near future of a quick fix, car makers and hard working individuals are having to supplement their income and even their way of life. However, there is a glimmer of gold projecting through the dark shroud that has covered the American economy. This shiny centerpiece comes in the form of unclaimed money.

Edward Palonek, the founder of FoundMoney.com may have a temporary solution for the auto industry. With General Motors Corp. CEO Rick Wagoner saying that the automotive industry “needs a bridge to span the financial chasm that has opened up before us,” any solution is being heard.

With this sentiment in mind, Edward Palonek has uncovered money that appears to belong to Ford, General Motors, and Chrysler. FoundMoney.com, which specializes in finding unclaimed money and assets, believes
that an estimated $7 million could belong to the Big Three in the auto industry.

These companies financial findings fall into what Palonek describes on his website as the “approximately $22 billions in unclaimed money and assets” currently being held by the government. While the automakers in the US are looking for money to stay afloat and save jobs, they are not collecting money that belongs to them.

FoundMoney.com connects American’s with their “unfound cash” with an average payout of around $900. When money and assets are willed to individuals, but never collected, the government holds on to the money. They also hold onto lost tax refunds, forgotten stocks, displaced payroll checks, and abandoned bank accounts. Not only do individuals have money being held by the government, but companies do as well.

Ford Motor Company has more than 1,300 records in the FoundMoney database that may belong to Ford. The amount for each record is not known, so it could be as much as $2.2 million.

Similarly, General Motor Company has more than 1,500 records while Chrysler has more than 1,200 in the database. That could lead to more than $3 million and $1.6 million in unclaimed funds respectively.

This amount of money would not be able to save the struggling companies, which need billions of dollars to stay operational. Talks of a government bailout for General Motor Company have risen to $4 billion to carry it through this month and $10 billion to bring it until the end of March.

It is still uncertain whether the government will pass a bill to approve a “bailout” of the auto industry. The bill would give the automakers the money necessary to continue operation. Without the bailout, the Big Three in the automobile industry would have to file for bankruptcy.

With the money that Palonek has found on FoundMoney.com, the Big Three could at least save some of the estimated 3 million jobs that reportedly could be lost during the next few months. The loss of these jobs would put more of a dent into an already dented economy.

As the economy continues its downward spiral, Ford Motor Company, General Motors, and Chrysler could take a suggestion from Edward Palonek and “find” some money. If the government won’t agree to a total bail out, they could at least claim what is rightfully theirs.

Via EPR Network
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Prudential Lifetime Mortgage research finds that more than one in four Britons will head to parents or in-laws homes during the festive season

Prudential Lifetime Mortgage reports the traditional family Christmas is set for a comeback this year, with more than one on four (28 per cent) of British adults intending to spend Christmas day at parents, in-laws or relatives homes.

The findings, from new research conducted for Prudential Lifetime Mortgage, reveals that just one per cent of British adults intend going to a hotel or restaurant for Christmas day and just two per cent are going on holiday.

According to the Prudential, the family home is set to feature heavily in plans for the entire festive period with more than one in three British adults (37 per cent) intending to spend time over the festive period at their parents or in-laws homes. Of these people more than half (51 per cent) said they are going to parents/in-laws homes as they see it as a hub for the family to get together. 32 per cent said they like getting their Christmas meal cooked for them. 28 per cent said spending time at their parents/in laws homes makes Christmas feel more like a holiday and 22 per cent said going to their parents/in-laws home reminds them of their childhood.

For over a quarter of the nation the family home will be the Christmas venue of choice as people look to tighten their belts this Christmas. The findings reveal that 40 per cent of British adults say they will spend less on Christmas this year.

Keith Haggart, Director of Lifetime Mortgages, Prudential stated: “While it is inevitable that many people will be looking to cut back this Christmas, that doesn’t mean that Britain will be spending the festive period mired in gloom. Millions of people will be spending more time together as a family and for many that means going to their parents or in-laws to enjoy Christmas in the family home.

Keith Haggart continued, “The findings underline the emotional importance of the family home to the entire extended family and at a time when many households will be looking at ways to boost their income, downsizing is not only a challenging proposition in a flat housing market, but could also potentially remove the enjoyment experienced by the rest of the family when visiting the family home. An option is for people to explore whether an equity release plan could help them gain an income from their property while still being able to continue living in it.”

ICM interviewed a random sample of 1050 British adults aged 18+ from its online panel between 7th -9th November 2008. Surveys were conducted across the country and the results have been weighted to the profile of all British adults. ICM is a member of the British Polling Council and abides by its rules. Further information at www.icmresearch.co.uk

About Prudential:
Established in 1848, Prudential plc is an international financial services company with a product range which extends from personal banking, insurance, pensions and retail investments, to institutional fund management and property investments. In the UK Prudential is a leading life and pensions provider with around seven million customers.

Via EPR Network
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M&S Money Announce Winner Of M&S Travel Money Loyalty Points Competition Prize

M&S Money has announced the winner of M&S travel money prize. The Bolton mum-of-four is celebrating after winning one million M&S loyalty points worth £10,000 to spend in store.

Janet Smith was delighted when she received a call to tell her she was the lucky winner of the competition organised by M&S Money.

Anyone buying M&S travel money using their M&S credit card or chargecard between 1 May – 30 June 2008 was entered into a prize draw to win one million M&S points. There were also five prizes of 100,000 M&S loyalty points worth £1,000 each.

Janet was entered into the draw after buying Canadian Dollars from the bureau de change at the M&S store in Bolton. Janet and her husband Paul used the currency during a trip to see their daughter Jennifer, who emmigrated to Canada two years ago.

Janet said: “I was in the shower when I got the call to tell me I had won – I couldn’t believe it. It’s a wonderful prize and I’m looking forward to spending the money at my local store. I’m going to start by treating my mum for her 88th birthday next week. I’m so glad I bought my travel money at M&S.”

Fraser Millar, M&S Head of Travel Services, said: “We had a tremendous response to the competition with over 100,000 entrants. We hope Janet enjoys spending her points in M&S.”

M&S Money offers the same currency exchange rates across all services including telephone and online ordering ensuring that customers get the same deal however they decide to purchase their currency. The bureaux also offer a commission-free currency buy back service with a wide range of currencies available.

M&S Money has been continually expanding the availability of the Travel Money service. Currently Travel Money is available at bureaux de change in over 100 M&S stores, as well as by telephone and online through the M&S Money website.

About M&S Money
M&S Money (originally called Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc. The company is now a top-ten credit card provider and the second-largest travel money retailer in the UK. M&S Money also offers insurance for homes, cars, travel, pets and weddings, as well as loans, savings and investments.

In November 2004, Marks & Spencer sold M&S Money to HSBC, one of the world’s largest banking and financial services organisations with over 9,500 offices in 76 countries and territories. The business continues to operate under the M&S Money brand, with an executive committee comprising an equal number of representatives from HSBC and Marks & Spencer.

The company employs 1,200 staff at its headquarters in Chester, delivering personal financial services to its customers, reflecting the core values of Marks & Spencer – quality, value, service, innovation and trust.

Via EPR Network
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Debt Management Company Gregory Pennington Have Warned Consumers About The Dangers Of Credit Card Transfers As A Means Of Debt Management

Responding to findings that many credit card holders are transferring their debts onto another card, debt management company Gregory Pennington said that this is another sign of rising costs of living limiting people’s ability to repay debts, and warned of the risks involved in transferring debts between credit cards.

The report by Abbey showed that almost a quarter of people with credit cards will transfer on average £1,600 of debt to another card in the next year.

Abbey said that borrowers are opting for cards with 0% interest periods in order to avoid their debts getting any bigger, and switching to another card once the 0% period is over.

A spokesperson for Gregory Pennington commented: “Most of us are now feeling the pressure of a weakening economy in one way or another, and for those people in debt, it can be an extremely worrying time.

“Credit cards with 0% interest periods can be very tempting, because they essentially stand for ‘free’ money, if only for a limited time. Unlike many forms of debt, interest won’t grow in these accounts until the 0% interest period finishes, which is very appealing to people struggling with debt.

“This particularly applies to people with credit card debts, because once the lenders do start charging interest, it tends to be very high. The average APR on a credit card is currently around 17.4%.”

Taking advantage of the best deals around makes sense, but the spokesperson warned that ‘juggling’ debts between credit cards is potentially dangerous if used as a means of debt management, and should not be considered a long-term solution.

“Every credit card you take out will be listed on your credit rating, and while abiding by the terms of a credit card reflects well on the borrower, some creditors may become concerned if they see you have had a string of credit cards for only a few months at a time,” she said. “In this sense, your credit rating could suffer.

“Eventually, it’s possible that lenders will start refusing applications, or reduce the credit limit – which is especially a risk with the credit crunch ongoing. If that happens, borrowers can either repay the debt in full, or face high interest rates that can cause the debt to grow very quickly.”

The spokesperson continued that there are cheaper, more effective debt solutions available. “A debt management plan or debt consolidation loan might be a better option for people trying to manage their credit card debts. Both set out affordable payment plans that can be scheduled over a longer period of time – although it’s important to realise that the longer the repayment, the more interest can build up in the long run.

“For those with more serious debts of around £15,000 or more, an IVA (Individual Voluntary Arrangement) could help. An IVA allows people in debt to repay only what they can realistically afford. They do this over a fixed period, normally five years, after which any outstanding debt is written off. An IVA may, however, require a homeowner to free up some of the equity in their home. It also requires a real commitment to making regular monthly payments and has a significant impact on an individual’s credit rating. We advise people to speak to an expert debt adviser before making a decision.”

Via EPR Network
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Welcome to EPR Consumer News

EPR Consumer News is a new blog, part of EPR Network, that is going to be focused on and will be covering the consumer news and stories from press releases published on EPR Network.

EPR Network (EPR stands for express press release) is one of the nation’s largest press release distribution networks on Web. The EPR’s nationwide network includes 12 State based PR sites, one major PR forum and a number of industry specific PR blogs and what started as a hobby on Internet years ago turned out to be a rapidly growing business today. EPR Network is also known as one of the most trusted (human optimized, published, edited and monitored, spam/scam/low quality PR content free) PR sites on the web with more than 10,000 company and individual press releases distributed per month. EPR Network is putting your press releases on top of all major search engines’ results and is reaching thousands of individuals, companies, PR specialists, media professionals, bloggers and journalists every day.

EPR Network has thousands of clients around the world including global 500 corporations like Hilton Hotels, Barclays Bank, AXA Insurance, Tesco UK, eBay/Skype, Emirates, just to name a few. The network’s PR web sites are currently reaching from 150,000 to sometimes 500,000 unique visitors per month while our viral reach could possibly go to as much as 1M people per month through our presence across various social media sites. EPR Network was established in 2004 and as of May 2008 it had more than 800,000 press releases (pages) published on its network.

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