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Provident  Personal Credit. the cash loan lender, have recently branched out to offer a Christmas Hamper Savings Scheme for Christmas 2012.  Start budgeting now with no credit agreement and payments from just £1.15 per week.

The addition of the Christmas Hamper scheme brings the total number of products offered by Provident to four.  The companies leading product remains short term cash loans, or doorstep loans.  Provident also offer the new budgeting loan – which is a smaller loan of up to £300 spread over up to 14 weeks.  The company also offer Love2Shop Vouchers, the cost of which can be spread out in weekly repayments.

The Provident Hamper scheme allows payments to be spread over up to 45 weeks.  Local agents will collect the weekly repayments direct from the clients door in cash, in the same way as loans are repaid.  There is a wide choice of Christmas Hampers to choose from to suit all budgets.

• Payments from as little as £1.15 a week
• The cost spread over 45 weeks
• No credit agreement
• No commitment until September 2012
  
  Find out more about Provident Hampers

A Wolverhampton woman ran an illegal money lending business from her home,  lending up to £400,000 over a 7 year period.  Sarah Dixon allegedly lent sums of up to £30,000 to her victims, with interest rates running at over 1,680 % per annum.  Her customers were mainly vulnerable and desperate to borrow the money, despite the charges for missed payments being over £600 in some cases.

Customers who fell behind on loan repayments were allegedly sent threatening text messages and in some cases their bank cards and PIN numbers were taken.  Customers did not fully understand how much interest they would have to pay back, or the interest charges involved.

Prosecutor Ben Mills said

The people she loaned to were vulnerable and very desperate for money. They felt trapped in a spiral of debt.“It was never fully explained to them what their interest rates were and when they would have to pay it back. “She was running a business in the shadows of the economy which circumvented all the rules.”

When police visited Dixons Cannock Road home, they found a large amount of cash together with envelopes containing customers names and cash which had been pushed through the front door.  Documents found at her home revealed that Dixon had lent £400,000 between March 2003 and November 2010.

Dixon admitted eight charges of illegal money lending.  She is due to be sentenced later.

Provident Personal Credit - a leading provider of Doorstep Loans in the UK, are purchasing unpaid debts from catalogue companies.  A customer of “Simply Be” reported receiving an unsolicited letter from Provident Personal Credit informing her that they had now purchased her debt and would be sending a representative around to her home to discuss repayment options.

Provident are currently offering 0% interest loans and a discount on the debt owed to anyone who takes up their offer.  The deduction offered by Provident to the original debt was £50 and she was offered a weekly repayment term of £19.25 a week over 25 weeks.

The new service offered by Provident is called Fresh Start and is designed to help customers manage debts and rebuild their credit. As the loan is 0% interest and incurs no additional service fees this could be a very useful service for people struggling with debts.

FLM Quick are our current cheapest uk payday loan lender.  With an APR of just 199%, the loan is up to ten times cheaper than comparable loans.  Not only that, FLM Quick base their lending decision on how much your friends trust you, rather than how good your credit is.  Even if you have very bad credit it is still possible to get a loan of up to £500.

Easy, quick and simple is the aim of FLM Quick and they can complete  your loan in as little as one hour.

FLM Quick use a guarantor system so you will need to find someone who is 18 or over, with a good credit history and a bank account or debit card. Fill in the simple online application form and your cash could be winging its way to you in less than one hour

Apply Online Now

Now not only can you get your cash loan in just 15 minutes from Wonga.com – now you can save money on the fast cash transmission fee.  Use discount code rzl251 in the promo code area on the website to save the  £5.5o fast cash transmission fee to send the cash to your bank account in 15 minutes.

The discount is applicable on loans of £50 or more.

Apply now for a Wonga loan and get your cash in 15 minutes

Online payday and short term loan company Wonga have laid claim to offer the fastest uk online loans – with cash being sent to your bank in just 15 minutes.  Wonga have offered a one hour payday loan service for quite a while now, but have recently introduced improvements meaning they can complete a loan and send the money to your bank account in just quarter of an hour.

Wonga offers short term loans of up to £400 for first time lenders which can be repaid over up to 31 days.  The easy sliding scale widget on Wongas site offers flexible illustrations of exactly how much a loan will cost and representative interest examples.

Application is done entirely online with no awkward questions or documents to fax.  Wonga will make a quick decision and notify you of the results in minutes – then the cash will be sent straight to your account.  If you prefer you can have your loan paid directly to a creditor – handy if you have a bill to settle.  In order for the funds to clear straight away your bank needs to be able to accept Fast Payments – most UK banks can.

To find out more about Wonga or to apply online click here.

We are delighted to welcome our new lender on board – Oakham Emergency Loans. They offer fast cash loans of up to £500 in hours.   They accept people in all circumstances including unemployed and on benefits, and you can apply entirely online with no awkward questions.

You will get a decision on your loan in under one hour, and the money could be in your account the same day.  Your repayments are made every week by debit card so no need to worry about late repayments or additional charges.

If you make repayments on time you qualify for a cash bonus, and you loan repayments can be spread over up to 6 months.  Oakham also have a range of other useful financial products available to everyone regardlessof circumstances

Prepaid debit cards are a convenient and easy way to get a debit card, without the security risk of having a conventional debit card linked to your bank. Anyone can buy a prepaid card, with no credit checks and with the facilities available including debit card purchases, ATM cash withdrawals and online account management, many people are using prepaid debit cards as basic bank accounts.

ID is not needed to buy most cards, although if you want to increase your load and spending limits above about £1500 a year, then you need to submit some basic ID. You can also get additional cards for other people, so they are an ideal way of sharing cash or sending money to relatives abroad.

To buy a prepaid debit card costs less than about £10, and you can then top it up with cash whenever you need it. Because you can never spend more than is one your card, prepaid debit cards are helpful for people who need to stick to a budget or control their spending.

You can compare the best prepaid debit cards in the UK at Get a Debit Card UK.

Christmas is a stressful time for many of us - even more so when you dont have the cash you need to see you through the festive season.  This is a time when illegal money lenders and loan sharks love to prey on their victims, so be smart and if you do need to borrow some money for the Christmas period, only trust licensed and reputable lenders.

The lowest cost way to get cash for Christmas is to ask your bank for an overdraft, but unfortunately in many cases banks are less than understanding when it comes to lending money, especially if you have less than perfect credit. 

Fortunately there is one lender who will lend to everyone – regardless of circumstances – even if you are unemployed on benefit.  Provident Personal Credit are a doorstep loan company which means you can have the cash you need delivered to your door and then pay off your loan in easy fixed weekly repayments.  Even more convenient – your payments will be collected each week by your local agent direct from your home, so you dont even need to worry about paying money into a bank or sending a cheque. 

Provident can lend you up to £500 and you can get your loan either in cash, or preloaded onto a debit card which you can use both in shops and online.  Alternatively you can even get your loan in the form of Love2Shop vouchers which can be used in many high street stores. 

Provident have a very high acceptance rate for their loans – they rarely turn anyone down, all you need is a UK address and some basic ID.  You can apply completely online and your local agent will contact you to finalise your loan.

Your repayments are fixed so you always know exactly where you stand with your loan, so even if interest rates rocket up you will never have to pay more than the amount on your payment card. 

Apply online now

Its a horror story no homeowner wants to hear – a man who paid £86,000 for his home in 2007 has had it revalued at just £1.  Despite extensive improvement work including £10,000 spent on a new kitchen and conservatory, householder Paul Rooney was stunned when the Nationwide valued his home at just £1.

The amazing valuation results from the fact that surveyors believed the home in Holmside, Durham was unfit for human habitation and put a stock price of £1 on the home.  A spokesman for the Nationwide said ”