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why you may be turned down for credit

Why you may be turned down for credit

Until the banking crisis in 2008, lenders were virtually throwing money at people and getting a loan or credit was practically routine. After coming under fire for irresponsible lending, they clamped down and the repercussions of that are still being felt six years later. Even now, getting refused for credit can feel like a body

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Christmas on a loan or credit card

Christmas on a Credit Card or Loan

Those Christmas marketing magicians know how to tickle our festive fancy and before we know it, our seasonal ‘must have’ list is as long as your arm. Everything from flashy lights and table decorations to personalised Santa sacks and Christmas jumpers becomes an essential. But stop and think – when the credit card statement hits

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Reclaiming PPI

Reclaiming PPI

If you’ve ever taken out a loan, mortgage, store card, finance or insurance, then it is well worth checking if you paid Payment Protection Insurance (PPI). If you have you may be eligible for reclaiming PPI. What is PPI? PPI is insurance to cover payments should you have an accident, become ill or are made

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bad credit loans

Bad credit loans

Unfortunately, we’re not all blessed with perfect credit ratings, which can cause issues when applying for loans and credit cards. This isn’t always a result of bad financial management and sometimes circumstances mean we’re unable to make the repayments. For those in this situation, there are a number of specialist lenders that are still prepared

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What is second mortgage borrowing

What is second mortgage borrowing

We all have an understanding of exactly what a mortgage is; where you gain the finances to buy a property through a bank or building society. However, it’s not always clear what is meant by a second mortgage and how this affects your initial borrowing. What is a second mortgage? A second mortgage refers to

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Christmas on a loan or credit card

Facts about loans and borrowing money

Whether you’re looking to make a large expensive purchase or want to pay off a few smaller debts creating just one payment, a loan may be the right solution for you. Here are some facts about loans and borrowing money. Can I apply for a loan? If you are over the age of 18, have

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