Am I Eligible For A Payday Loan?


Taking out a payday loan is a quick way to get your hands on the cash that you need to help with emergency expenses. If you’ve made it to our website, then it could be that you’re considering taking out a payday loan to help with your circumstances and need a bit information about those type of loans. The next thing you’re probably wondering is whether you would qualify for a payday loan.

Getting a short-term loan shouldn’t be an arduous process, so text payday loan direct lenders have made it as simple as possible. To qualify for a payday loan, all you need to do is:

  • Be Over 18
  • Be Employed
  • Be A UK Resident
  • Earn over £500 a Month
  • Have a Bank Account with a Debit Card

It’s that easy! So, if you’re reading this criteria and are thinking that you have all of those things, then you could find that you are accepted for a payday loan. It also doesn’t make any difference if you may have a bad credit rating from previous financial difficulties or even if you haven’t been able to build up any credit rating at all.

If you are approved for a payday loan, then you could even find that the money can be in your account very fast.

Instead of getting a more traditional high street loan, it’s only a simple and quick application process, just filling in a few key details confirming who you are (name/address) a way to contact you (phone/email) and information on your employment (to prove you are earning enough to repay the loan). If you think that you can provide all of this, then you can start your loan application process as soon as possible.

Criteria to qualify for a payday loan can vary from lender to lender, so it’s always a good idea to check payday loans lenders to see what they require.

The perfect solution to mis-selling PPI: Reclaiming the payment


The unending saga of mis-sold PPI has shown no signs of stopping as more and more people are making PPI claims through claims advisers or on their own. They all realised that they were somewhat cheated into buying the PPI by the financial institutions they have long relied on for credit. A tremendous amount of mis-selling schemes were devised by banks and other insurance brokers for the past several years if only to gain profit from the product. A high Court ruling over this matter has made banks busy with recognising PPI claims and investigating them up to this date.

However, despite this ruling, there are still banks and institutions that refuse to abide by the mandate and work out ways to avoid claims when in fact, an estimated 9 billion pounds in compensation was reportedly allotted for mis-sold PPIs alone.

Reclaiming the PPI paymentIf we try to look at things from several years back, when PPI was introduced, it has the most ideal intention of becoming a repayment safety net for consumers. It was designed for the purpose of covering repayment obligations in the event that a policy holder gets sick for a period of time, had an accident and needed to recuperate, or was made redundant at work and had to find another job to sustain their cost of living. Unfortunately, these situations alone were used as a tactical advantage of profit-hungry PPI sellers, and found ways to easily cheat people into buying it.

To cite several instances, it has been reported that people were signed up to PPI without their knowledge and consent. Their signatures were either forged on the PPI agreement form or they could not have easily noticed the automatic signing up in an online application for credit. There were also consumers whose needs of the policy and its suitability to their current financial situations were not established. Some were not even eligible for cover – being under 18, over 65, not employed full time, and had pre-existing medical conditions, but were still made to buy. Other instances of mis-selling took place when people were not explicitly informed of vital information surrounding the product. There were those who were made to believe it determines the approval of their application while some were simply talked into buying the policy with false or zero information on policy duration and costs. Continue reading “The perfect solution to mis-selling PPI: Reclaiming the payment”

Checking Your PPI


There isn’t really a big problem if banks and other lending companies make profit. They are businesses after all, and so they have to earn money to keep their operations running. However when these types of businesses begin to gain huge profits by doing things such as mis-selling PPI along with mortgages, loans and credit cards, then that becomes unethical.

And that is exactly what has been happening lately. A very large number of consumers have learned that along with their loans, credit cards and mortgages, they have been mis-sold PPI as well. This discovery led to a controversy as they clamoured for their PPI claims.

PPI though, is not entirely a bad thing to have. In fact, these policies can be useful as a form of protection when someone loses their job or they are hurt and cant work. This is all fine when the individual enters into the agreement freely after fully understanding what the cost is and what the cover will be. Unfortunately though, mis-sold PPI is extremely common. How come that this happens? It is because of the simple fact that the lender can make a large commission from selling it. They often make much more from that then they do off the terms of the loan. Any lender out there is in the business of making money and they find this method to be one that brings it in easily.

So how can you be mis-sold with PPI insurance? Here are some cases:

Were you pressured to buy a PPI policy because you were told that it was required? That is not true at all, because PPI is actually an optional add-on and the customer has the freedom to avail of it or not. You should never be forced to take PPI.

Then there’s the unexplained cost. Did the lender explain and broke down the expenses for you? Not having your lender explain the entire deal to you is a sure sign that the PPI has been mis-sold to you.

Does your PPI cover the entire length of your loan or the PPI covers less? You should check if it covers your policy from the start to finish or if there are any time periods excluded.

If any of these cases apply to you then surely you have been mis-sold with a PPI policy. Then by all means you have the right to claim it back. So check your PPI insurance policy now and make sure that you have not been scammed.

Working Out if it is Worth Making a PPI Claims


You may know that you were miss sold PPI in the past but not want to bother with making a claim if it is not worth the hassle. You may think that unless you will be able to get back a significant amount of money, then you are not going to bother with it.

Some people would make the claim regardless of the amount. They may think that all money is worth having or that they want the lender to give them back what is rightfully theirs. However, some people may see the claim as a lot of stress and hassle and so may not bother making the claim unless they feel it is worth their while.


You will find that there are some websites where you can find a PPI calculator. This can help you to work out what money you are owed and then you will easily be able to decide whether you want to make a claim. It is a useful way to see whether you might be owed a few pounds, hundreds of pounds or even thousands. The amount will depend on how much you were paying out for PPI each month and how long for. The more you were paying and the longer the time, the more you will be able to claim. You will be able to claim on multiple products too if you had PPI on a selection of loans and feel that it was miss sold somehow.

Some people will make a claim regardless of the amount owed because they want to get back what is rightfully theirs. However some people have limited time and may think their time will be better off spent doing more valuable things, whether it is something that will pay them more than they will get from the claim or whether it is something they feel will be a more valuable use of their time.

It is therefore a decision that you will have to make based on how much you think you will be able to claim and whether you think it is worth your time to do so. Some people would do anything to get the money and get revenge on the company that miss sold it but others may have to know that it will be worth their while before they put in the time and effort.

Fly Away From PPI Without Hassle


Don’t you wish sometimes you could just fly away from your problems? If you’re dealing right now with mis-sold payment protection insurance (PPI), we know exactly what you’re going through. It feels like there’s just no end in sight for PPI people, but that’s not the case at all. You have to realize that it’s time to look into any and all ways to fight through PPI. You don’t have to fight alone at all, either. A lot of people think that they do, and it ends up costing them a lot of time and energy. You have to remember that it’s going to cost you your time when it it’s time to get things done. Time is probably something that you don’t have a lot of.

You might think that you have a lot of time, but you are probably overlooking all of the things that you are required to do every single day. These things really take away from fighting PPI, but that doesn’t mean that you have to skip over getting your PPI money back.

ppi hassle
You just need to combine forces with a team that can give you their time. This is done through a PPI claims company that will be more than happy to take care of your needs on their schedule. They will take your case if it has merit, taking no payment upfront. All they will do is take a small percentage from whatever you have recovered.

The benefit of this is obvious — you don’t have to lift a finger and you will still get your money back. You will still be able to move on with your life. What will you do with the extra money? Plenty! You can pay off a little bit more on your house, take care of credit card bills, or even just take your sweetie out to dinner for a change instead of being cooped up in the house.

Either way you look at it, you’re going to be flying away from PPI without hassle. Without stress. Without frustration. Without fear — and that’s the most important piece, isn’t it? We want to be able to escape our problems without a lot of fear and uncertainty. There’s no room for doubt anymore — if you really want to make sure that you can rise above PPI, you need to make sure that you push forward today with getting a PPI claims company on your side. Why not start today, while it’s still on your mind?

Bad Credit Payday Advance – What and Where?


Getting a bad credit payday loan today is beginning to seem like the norm when it comes to getting over those smaller financial humps in your life. You may be overextended on your credit card or bank account, owe an extra fee for something extra this month, or have experienced a hike in one of your monthly bills that you just can’t afford on your own. Don’t worry however, as the payday loan industry is open to consumers like you that just need that gentle guide towards their bills being caught up.

You Payday Advance Options

There are various types of advances that you can seek, putting the money you need before you get paid right in your wallet. Instead of accepting late payments on your bills just because you don’t get paid until the day after the bill is late, you can utilize pre-payday funding that will help you along until you get paid again.

•    Bad credit payday loans: more limited due to credit flexibility but offers a more accessible option to those limited by their credit.
•    Next day payday cash advances: some may depend on credit, while others may not; but all provide a great option for the quickest cash possible, giving you the assurance you need in a tough time.
•    90 day payday loans: these are great for those that need to borrow more but can’t afford to repay the whole amount in a one-time payment. Instead, you are offered 3 months to repay your loan within a schedule that includes recurring payments based on your employment pay schedule.
•    Emergency cash advances: these are wonderful short term loans that offer emergency cash that is needed for an array of purposes. Whether you have a medical bill that you need to pay unexpectedly or some sort of repair that you require, you can get an emergency payday loan within minutes online.

What Can Payday Loans Offer?

Payday loans ensure that you aren’t scrounging the couch cushions for every little bit of change that could have fallen in between when it comes to unexpected costs and expenses or other fees you may encounter without expecting. You don’t have to put forth a great deal of effort in order to get these loans, with great options for access that is optimal for such loans and the population that uses these loans most. These loans offer short term funding that doesn’t lead to great financial stress later on.

If you are wondering what payday lenders you should put your trust into, take a peek at some payday loan reviews to find which providers are getting rave reviews and which are getting rants from consumers. You want to make your decision as wisely as possible to ensure that you don’t end up in a rut of borrowing that is difficult to escape. If you aren’t sure where to start, the internet provides such great resources for you to indulge in for your best interest when it comes to payday advances towards your financial relief.

How Budgeting Helps You with Your Personal Finances

How Budgeting Helps You with Your Personal Finances


Say the word “budget” and you will find many people grimace. The biggest reason why people are intimidated by budgets is that they do not fully understand them or how they work to help you. Having a budget that meets your needs and allows you to save is the best way to get out of money troubles and ahead in your financial life. Yet so many people don’t understand that the budget is not meant to restrict you or limit you but actually to help you get ahead and take control of your finances.

The budget you create for yourself (or your family) is meant to empower you and give you the ability to do more with your money. One complaint that people have is “I need more money” but the truth of the matter is that it doesn’t matter how much money you have if you don’t know how to handle it properly. The more money you gain, the more you will spend improperly and you will still never get ahead.

However, if you use a budget that is carefully designed for your specific and personal financial needs, then you can account for bills and savings and end up ahead. If you then make more money or get a raise, you can adjust your budget accordingly. And you will be able to make the most of the raise because you are already comfortable living on your created budget.

What is more important than how much money you make is what you do with the money you have and the attitude you take towards it. If you believe that you will need more money to be happy, then you will always need more money- no matter how much you have. But learning to be content and to provide for yourself with what you do have (often called “living within your means”) will ensure that you have a positive attitude towards money and if you do end up wealthy, you will know exactly how to manage it.
So how does budgeting help with your personal finances? Let’s take a look at some of the ways:

1.    It allows you to see before you how much money is coming in and going out of your household.
2.    You can create a plan for savings and then commit to saving that amount each week or month.
3.    You can set goals for what to do with your savings and you will be motivated by what the end goal is.
4.    You can see areas in which you are able to cut corners and save more money. For example, can you pack your own lunch or cut back some of your cable channels you never watch?

Your budget is your personal plan to financial freedom and security. You don’t have to feel overwhelmed when bills come in or worried that you won’t be able to afford food because you will have all of this in your budget. If your numbers show that you don’t make enough income for your expenses than your only choices are to make more money or to cut your expenses back. This will mean it’s time to make some life changes if you find yourself in this position.

Have You Heard The Good Word About Equity Release

Have You Heard The Good Word About Equity Release


With so many different tools on the horizon to help homeowners make the most of retirement, it’s safe to say that times are pretty good. While it’s true that some homeowners are struggling in the market right now, the truth is that there are still viable opportunities out there if you’re really serious about fixing your retirement and getting it steady and stable.

One such option is the equity release program, a program that can help you tap into the equity in your home. Now, if you never thought about turning to the equity that you’ve built up over the years, there’s no need to beat yourself up. You will just nee dot push and really make sure that you get things done in a big way now that you know what’s going on.

To explain further, let’s start with the benefits of equity release: tax-free income. You can either get a lump-sum to use however you see fit, or you can get steady income in the form of an annuity. Annuities from equity releases are index-linked, which means that they rise to meet inflation. You aren’t going to have to worry about your money not stretching and growing with you as time passes. Inflation is just part of life, and it’s important to make sure that it’s managed wisely.

There are financial advisors out there that can help you determine exactly what type of equity release scheme makes sense of your financial situation. Instead of jumping in headfirst by yourself, you might want to stop and get this valuable advice. Your home is one of the most important investments that you’ve made in your life. It’s important to protect it as much as possible.

There are quite a few different types out there. One type of arrangement that people really like is the lifetime mortgage. As the name implies, this is a type of program where you will be essentially carrying the mortgage for the rest of your natural life. In return you will be getting lifetime income, which can help you supplement the other sources of income in your life, such as a pension program. Again, if you’re going to take this path it’s critical that you shop around. Every lender that handles equity release is going to have different qualifications, conditions, and benefits. You will want to look carefully at their interest rates and fees in order to make the deal as profitable for you as possible.

However, now that you’ve heard the good word about equity release programs it’s definitely time to get started today — you won’t regret it!

Social Lending Taking Too Long – Try Pay Day Loans


Great social lending ventures exist to help you get through life’s tough patches. However, they are often anything but fast. This isn’t really a loan from your friends. It’s a loan from people that believe in your goodness and your ability to change, but it’s really not going to be a loan from your friends. This is something that throws people off all of the time when it comes to social lending, but the reality is that you want to go with social lending only when you have enough time to wait.

Why? Well, that’s easy — they want to make sure that you’re a good person. They want to check your proof of income, your background, where you live, if you rent or have a mortgage. They want to know everything about your credit history. That can be a lot on a person, and you really need to make sure that you get the fastest money at the best possible time.

When you’re in a financial emergency isn’t when you want to turn to social lending. That would be like asking yourself to stand out in the cold and hope that someone invites you into their house. If they don’t invite you, then you’ve shivered and nearly froze to death over nothing.

It’s a lot better in the long run to go with pay day loans for short term emergencies. The long term stuff is where social lending really sparkles. You wouldn’t turn to pay day loans for new money to start a business, but you would do that in the social lending world. The more “noble” your cause, the more likely your social lending proposal will actually be funded.

Don’t feel that it’s impossible to get the life that you always wanted after all of these financial troubles are dealt with. The faster that you deal with them, the faster they will go away. If you cling to them and don’t make a decision, then the problems will simply keep growing until they take over your life. And what type of fun would that honestly be?

Make sure that you are applying online for your pay day loans. Even though these financial products do indeed exist offline, it often takes a lot longer and involves a lot more paperwork than what you’re probably willing to sign. Good luck!

Already on a loan? Save more money with Vouchers

Already on a loan? Save more money with Vouchers


There has never been a worse time for economic climate now today; everyone is more money conscious than ever which means it’s even harder to get loans and credit than before. But we all need some time off from working and deserve a holiday to help us relax. So where are the best places to look for loans or credit if you have already taken out a loan before, some companies will not allow you to take out another loan as you may be at high risk. You may feel like there are little options for someone like you but there are plenty of people in similar situations you so don’t give up you just need to find the right place to help you get that holiday you want. You just need some well-informed advice and you will be on your way!

Sites recommended to help save Money

One Singular Loan – Sometimes it’s best to take out a loan that will cover the cost of all of your other loans so you are dealing with one payment per month instead of having lots of ones dotted about throughout the month, this way it’s more manageable. So you don’t need to get stressed sorting out payments each time it can be a smooth singular transaction.

Let Voucher Sites Help – These vouchers sites can offer reduced cost on financial advisors who can go through all your finances with you and sort out the priorities, so you can leave being more secure with your finances.  They can give you guidance for the next few months to years and make sure you are oj track to get the purchases you have been saving for. They can also make sure you are not spending in areas you don’t need to be so you will save money quicker and easily.

Start saving every penny – It may seem like a simple and obvious idea but start slowly and build up, you will see it rise eventually into something big! Just purchase things which are only essential so don’t try getting a pair of the latest shoes weekly but monthly if you can afford and not upgrading your car yearly but every few years.