financial links & info

What they say:

"We offer small, short-term loans valued £80-£800 repayable on a customer’s next payday. These work as an advance on a customer’s wages in order to bridge the gap between now and payday.

We aim to offer an instant solution to short-term credit needs, in order to get customers the cash they need at the time they need it. We therefore provide a quick and easy online application, and a same day transfer of loans into customers’ bank accounts."

What they say:

"Year round comprehensive discounts and rewards on dining out and leisure activities are available to you. Let’s Go... Rewards is designed to ensure you pay less for the fun things you do. This blockbuster dining and entertainment program will save you money every time you use it all for just £1 for the first 30 days and £7.99 per month thereafter."

What they say:

"What is CreditExpert?

CreditExpert is the UK's leading online consumer credit monitoring and identity fraud prevention service.

Who does this product appeal to?

-People who are applying for financial products
-People who are concerned about their credit history
-People who want to check that their information is correct
-People who want to protect themselves from identity fraud - the UK's fastest growing crime

CreditExpert has wide appeal and compliments other financial products. A person's credit report is important when applying for a loan, mortgage or credit card."

What they say:

"American Express Company is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travellers Cheques, travel, financial planning, business services, insurance and international banking."

What they say:

"We are a globally recognised brand and a FTSE 100 Bank, the 2nd largest credit card issuer for new credit cards and hold the 3rd largest stock of credit cards in the UK. The internet is our fastest growing channel for credit card recruitment and drives 38% of total cards acquired. Halifax and Bank of Scotland offer a range of banking services covering both personal and commercial sectors. The credit card sector is covered by the retail bank. Our aim is to provide a range of credit card products to suit all customer needs whether new to credit cards or looking to get the best deal."

What they say:

"Brunel Franklin are one of the countries largest claims management companies, having won over £100 million in compensation for our clients. We claim back all charges and all compensation in respect of financial mis-selling - from credit card charges to mis-sold Payment Protection Insurance. A large number of people in the UK have been victims of financial mis-selling. We use a simple 60 second online qualification test."

What they say:

"Citibank is part of Citigroup Inc., todays pre-eminent financial services company, with some 200 million customer accounts in more than 100 countries. Citibank is a global bank but we operate at a local level. So while we offer the vast resources and support network of a large international bank, we ensure that these are presented in a straight forward way that deliver our customers the choices that enable them to control their finances effectively. Put simply, our aim is to deliver grown-up banking. The Citibank Sterling Current Account comes loaded with benefits that help you access your finances when you need it most - wherever you are, whenever you want, and specifically appeals to the online consumer.

To complement the current account Citibank also have a competitive Savings Account for customers who want a high interest savings account with instant access and maximum flexibility."

What they say:

"Pacific Home Loans is a specialist mortgage brokerage, arranging mortgages and remortgages on behalf of customers with a panel of lenders including LSB, i-Group, Money Partners and Swift. Pacific specialise in the adverse credit / sub prime sector, dealing with customers with current or previous credit problems.

Typical customers are homeowners with outstanding credit cards, store cards, hire purchase, loans and other credit. They may also have a poor credit payment history, mortgage arrears or defaults and / or CCJs. They are usually looking to consolidate their outstanding credit and/or fund a major purchase such as a car, home improvements, holiday home etc. It is likely that they may have previously been turned down for credit or have a poor credit history. Customers' age can vary however many customers will fall into the 30 to 50 age range and are likely to be married / cohabiting with or without a family.

Pacific customers are likely to remortgage for one of the following reasons:

# To reduce their mortgage rate and/or monthly payment
# To consolidate other debt with their mortgage
# To raise cash for various reasons - home improvement, major purchase, deposit on investment or holiday property, wedding, new car etc

You can obtain a free, no obligation quote for a remortgage by completing our online application form. Please note that completing the form does mean that we will conduct a credit search on you."

What they say:

"checkmyfile.com is the UK's market leader in the provision of credit files and personal information to consumers.

It offers the most comprehensive online access to information held about any individual.

In addition to credit files it provides, amongst other things, credit scores, neighbourhood demographics, vehicle data and a unique range of groundbreaking Identity Theft Protection products."

What they say:

"We offer mortgages, loans and remortgages to UK homeowers and consider all circumstances including CCJ's, mortgage arrears, self employed with no proof of income and zero / negative equity."

What they say:

"Now there's a great new way to buy online. With 3V Vouchers if you don't have a credit card or don't want to use one, you can still shop online, over the telephone and via mail order wherever you see the VISA logo."

UK residents only can apply for a MS Credit Card.

What they say:

"Morgan Stanley® has always believed in rewarding customers for their loyalty and now the rewards are proving extremely attractive. From 0% balance transfers to travel points plus a host of other benefits, including account management 24 hours a day, the Morgan Stanley buy and fly!T credit card provides a refreshing way to earn as you spend.

What are the benefits of the Morgan Stanley buy and fly!T MasterCard®

* 0% p.a. on balance transfers for nine months (a 2% fee applies)
* 200 bonus points on your first purchase
* Double points for six months
* Typical 16.9% APR (variable)
* No annual fee
* Online Account Management
* 24 hour Customer Service"

What they say:

"e-Loan.co.uk is the specialist online loan broker.

Our low interest rates, flexible repayment plans & simple application process has helped thousands of homeowners consolidate their finances and reduce their debts.

Whatever your circumstance, e-loan.co.uk can help! Borrow between £3,000 to £250,000 and spread your repayments over 5 to 25 years, with our low interest rate of 6.7% APR. All our lenders are friendly and offer you the flexibility to manage your loan without incurring high redemption penalties."

What they say:

"Only Finance is the fastest growing secured loans broker in the country and is set to be number one."

What they say:

"At Sterling Credit Limited we specialise in offering personal secured loans to homeowners. By concentrating in this area we have a wealth of experience dealing with people who have different financial needs. Every secured loan application we receive is considered on its individual merits.

Sterling Loans have an easy application process and decisions in principle are available within 24 hours. "

What they say:

"cahoot is one of the UK's leading online banks, with competitive rates and innovative products. Since its launch in June 2000, cahoot has become one of the UK's most successful online banks, thanks to its portfolio of innovative market-leading financial products. It frequently appears at the top of most best-buy tables in the personal finance press with a range of market leading products including the cahoot Current Account - winner of Money£acts best current account interest rate award for 3 years running, offering guaranteed high interest rates, a £250 interest-free overdraft and free purchase protection.

Customers can access their accounts anytime, anywhere online or over the phone, so that they are always in control of their finances. They also have use of over 700,000 VISA cash machines worldwide and free use of 41,000 LINK machines in the UK.

The bank continues to be recognised in industry awards for innovative products and services, such as webcard, a unique virtual online payment card that means that you never have to expose your cahoot card details over the web. "

What they say:

"NatWest is one of the UK's leading banks, we offer a range of Credit Cards to suit all needs. All our Credit Cards offer an introductory rate of 0% on purchases for 9 months, with a typical 16.9% APR (variable)

As well as offering competitive rates applicants can opt for our attractive reward package, plus receive much more:

* No annual fee
* Online Fraud Protection
* Online Banking
* Free Travel Accident Insurance
* Interest free credit on purchases for up to 56 days "