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  Swift IVA - Debt Help When We Can't!

  admin 4:30 pm on March 2, 2010 | 0 Permalink | Reply
  

  Sometimes we can’t help everyone out with a payday loan and for those with severe money and debt problems there is Swift IVA.

  Visit Swift IVA Today

  If you have difficulty every month making unsecured loan payments and owe money to 2, 3 or more creditors, then Swift IVA may be able to help. There are a number of options available for people owing over £2,000 and their professional money and debt partners could help find the right solution for you, reducing the amount you have to repay each month, making your repayments more manageable and making your life a lot less stressful.

  IVAs can help people who owe over £10,000 to 3 or more creditors and is usually in place for around 5 years or 60 months. An IVA can get up to 75% of your debts written off and is a legally binding agreement between the borrower and the creditors. An IVA is also used as an alternative to bankruptcy and can leave you debt free in 60 months. An IVA can negatively effect your credit rating as it is recorded on your credit file for up to 6 years after the completion of the IVA.

  Another option to consider is a debt management plan where borrowers will need to have at least £2,000 of debt oweing to at least 2 creditors. A debt management plan will help reduce the stress and worry associated with your bills and agree an affordable amount to repay each month. The stress and hassle of dealing with creditors should also be removed as one payment will be made to the debt management provider each month who will distribute the payments on your behalf. Debt management professionals will try to negotiate the best repayment terms on your behalf and interest may also be frozen as part of the plan.

  Application to speak with a debt professional takes just one minute where you will be given a call back to discuss your situation further.

   

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  Can't Pay Don't Pay with an IVA!

  admin 4:27 pm on February 25, 2010 | 0 Permalink | Reply
  Tags: Bad Credit, iva, ivas

  Can’t Get a Payday Loan?

  Payday loans are only meant to be used as a short term fix to short term financial needs such as paying for MOT work or emergency dental treatment where waiting for your next pay cheque just won’t do. Unfortunately some people experiencing long term financial difficulty also apply for payday loans and often get thier application rejected.

  Juggling your Debts? Get an IVA!

  If you find yourself juggling loans and debts and are repaying more than you can afford then maybe the way to go is with an IVA or individual voluntary agreement. IVA’s are a government backed scheme aimed to help people in serious financial difficulty get back on track and debt free within usually 60 months or 5 years.

  • Get debt free in 60 months
  • Freeze all interest and charges on your debts
  • Get up to 75% of your debt written off
  • Avoid bankruptcy
  • All direct contact such as phone calls and letter demands stopped

  Not everyone can apply for an IVA and your creditors also have to agree to the arrangement. Creditors benefit from this too as they no longer need to chase their debts and can at least recover a percentage of the total owed to them. IVAs only cover unsecured debts totaling over £15,000 and this must be from 3 or more different creditors – UK citizens only.

  See : Swift IVA Rules for more on qualifying rules for an IVA.

  Apply for an Swift IVA Today.

   
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  Payday Power Powers Up with Major Upgrade

  admin 3:01 pm on February 12, 2010 | 0 Permalink | Reply
  Tags: Payday Loans (2), payday power

  Payday Power has recently launched it’s new website design after months of design tweaks and user feedback testing.

  Payday Power has been providing payday loans to working people in the UK since 2008. The payday product is relatively new to the UK as a financial product and interest in these loans has been rising since they arrived in the UK from the USA a few years ago. Payday loans are small short term loans, taken out for a week or two which then are repaid on the borrowers next pay date. They have been designed to be used primarily as a short term fix to short term financial problems and emergencies such as an unforeseen bill or other financial obligation and not to be used by people with more serious long term problems.

  View the New Website Design here

  The new website design aims to make the product as simple and straightforward as possible for users, so that they can get their money as quickly as possible. During the testing period many issues were raised by users not just on the ‘old’ website by also with a number of competitor’s websites.  Julian the creative director informs us that “Feedback ranged from not knowing if customers could qualify before they applied, customers not knowing how to find out how much their loan would cost them to understanding what would happen when at each stage of the application process. We have addressed all these issues and early results show it is all working smoothly with not a single error being reported – as yet!”.

  View the simple & streamlined application form here.

  A ‘report an error’ button has also been added to the site so that problems can be addressed and fixed as quickly as possible. Michael the marketing director says “It’s not just the front end visuals of the website that have been given a facelift, the backend – the decision engine – has also been upgraded which means for customers that not only will they have a better chance of getting a loan with us, but if their application fails, we can intelligently inform them why and suggest possible answers. We found that many more people would get their application accepted with a little feedback along the way.”

  

  Payday Power’s New Website Design Goes Live

  Payday Power would also like to know what you think of the new website. Leave feedback below:

  What Do You Think Of The New Design?

  • Wow - I Love it!
  • It's Quite Good
  • It's OK
  • I Don't Like It
  • It's Terrible

  View Results

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  Xmas Bonus Calculator

  admin 1:26 pm on December 18, 2009 | 0 Permalink | Reply
  

  Well not much to write about here, I guess you need to take the test yourself – a little Xmas humour from the Payday Power team!

  If you like it then please pass it on to your freinds.

  Check out how much your Xmas bonus is worth here.

  Happy Xmas and if you do need some extra cash to help you through the Xmas holidays, then that’s what we’re here for!

   
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  Alternatives to Payday Loans

  admin 10:38 am on October 26, 2009 | 0 Permalink | Reply
  Tags: logbook loans, Same Day Loans (2)

  A few years ago, in the UK, it would be safe to say that almost nobody knew what a payday loan was. However these days it is the first thing most people type into Google when they need a fast cash loan online.

  Payday loans or cash advances were first introduced in the USA before being taken up in the UK.
  Now with the credit crunch, more and more people are finding it difficult keeping on top of their finances and are seeking fast cash loans such as payday loans, but are they the only option available?

  Logbook Loans Paid in Less Than 1 Hour

  In addition to payday loans which are secured against your wages, logbook loans may be good alternative. They generally offer a far lower APR usually around 350% compared to payday loans at around 2000%.

  A logbook loan is secured against the value of a car, van, motorbike or other vehicle of value. Logbook loans are very competitive compared to payday loans as they can be paid out in as little as 15 minutes, although you will have to drive to your nearest branch to pick up your cash loan. Another advantage is that the loan can be repaid over a number of months, which makes the repayments more flexible and manageable. Bad credit is not a problem either as the vehicle logbook is used as security for the loan simply drive to your local branch, pick up the cash and drive off with your cash loan up to half the value of your vehicle.

  Check out Logbook Uk which gives a national directory of logbook lenders in the UK.

  http://www.logbookuk.co.uk/