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Citizens home insurance. / Video

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ArtIcle: NEF2.COM

International Student Loan: Learn About International Student Loans from Citizens Bank #loan #insurance


#international student loans
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International Student Loans

Learn about international student loans for studying in the U.S.

For decades, the United States has been a beacon of higher education around the world. With its globally recognized colleges and universities, students from around the world have been coming to America to pursue higher education. But how can they secure an international student loan to finance those educations?

To receive federal student financial aid, you must be a U.S. citizen or U.S. national (including natives of American Samoa or Swain’s Island) or a U.S. permanent resident who holds a permanent resident card.

However, study abroad students are eligible for some private, international student loans. At Citizens Bank, our private student loan product, the Citizens Bank Student Loan . allows international students to apply as long as they have a credit-worthy co-signer who is a U.S. citizen or a permanent resident.

Remember that international studying in the U.S. will require considerable preparation on your part. Among the things you’ll need to arrange for are:

  • Obtaining your student visa. In most countries, that will require an in-person interview. Consulates and embassies are busiest during the summer season, so you’ll want to make these arrangements before then.
  • Testing your English. Most colleges and universities in the U.S. will require overseas, non-native-English-speaking students to prove their command of English through a standardized test.

Some of these arrangements take longer than they used to in the post-9/11 environment. So don’t wait until the last minute to make your plans.

Learn more about our affordable Citizens Bank Citizens Bank Student Loan

Find helpful information about the Citizens Bank Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Student Loan Applications: Learn How to Apply for a Student Loan from Citizens Bank #6 #month #loans


#student loan application
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Student Loan Application Process

Discover what you’ll need to do to apply for student loans

If you’re concerned that the student loan application process is complicated, you’re not alone. The process to apply for federal student loans can actually be quite confusing, but Citizens Bank is here to help. The first step in the process is completing the FAFSA, or Free Application for Federal Student Aid. You can perform the entire process online at the FAFSA website. If you prefer (although students are strongly encouraged to apply online), you can apply for student loans by filing a hard copy of the FAFSA through the postal mail. Just check with your high school guidance counselor to get the paper form.

What will you need to complete your FAFSA?

You’ll need your:

  • Federal student aid PIN number, which will allow you to access the application and sign the form. You can get your pin number at www.pin.ed.gov .
  • Social security number and driver’s license
  • W-2 tax form and other recent records on the income you’ve earned
  • Copies of your parents’ current-year tax return (if you’re a dependent). If they have not yet filed this year’s taxes, you can include estimated numbers in the FAFSA, and simply update them with the actual numbers later.

The remaining steps in the loan application process are simple. Within weeks, you will receive your Student Aid Report, which outlines your expected family contribution. Since you’ll indicate on the FAFSA which colleges you’ve applied to, the form will be automatically forwarded to those schools. Soon, the financial aid offices of those institutions to which you’ve been accepted will send you a formal financial aid award letter outlining the financial aid package they will offer you. Your job will then be to compare those offers, and choose the school that best fits your future goals and family budget.

Once you’ve chosen the right school for you, you need to accept that school’s financial aid package if you choose to receive aid. Remember, even after you’ve accepted your award letter you should check with your school’s financial aid office to see what other forms or documents you will need to complete in order to secure your funding (for example, completing your Stafford Loan Master Promissory Note or MPN).

Apply for a Citizens Bank private student loan

After you’ve accepted your financial aid award, there still may be a gap in financing that you and your family are responsible for filling. A private student loan will help cover additional expenses. Find out more information on the Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Personal Loans – First Citizens Bank #payday #loans #online


#personal loans rates
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Personal Loans

An affordable way to achieve your goals.

To learn more about Personal Loans

Call us at

1.877.532.2669

between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

VISIT YOUR LOCAL BRANCH

Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

Directions

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We strongly recommend that you upgrade now.

1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



Personal Loans – First Citizens Bank #text #loans


#personal loans rates
#

Personal Loans

An affordable way to achieve your goals.

To learn more about Personal Loans

Call us at

1.877.532.2669

between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

VISIT YOUR LOCAL BRANCH

Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

Directions

Please Upgrade your browser

Your Browser Is Not Supported Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



Logbook loans campaign – Citizens Advice #what #is #an #fha #loan


#log book loans
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Logbook loans campaign

Citizens Advice campaign win on logbook loans

Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

We would like to see changes to the law to include:

  • the introduction of the same rights and protections as hire purchase and conditional sale agreements
  • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

  • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
  • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

Logbook loans leave people ‘overloaded’ with debt

Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

  • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
  • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
  • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
  • 37 per cent of clients with logbook loans also had one or more payday loan
  • the total amount of debt across all loans for people with logbook loans was £13,500.

The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

What are logbook loans?

Logbook loans, or bill of sale lending, is a high cost form of credit.

A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

Press coverage

The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

How do logbook loans work?

Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



Effects on Plumbing – Citizens Concerned About Chloramine (CCAC) #citizens #concerned #about #chloramine(ccac), #chloramine, #chlorine, #ammonia, #water, #disinfectant, #san #francisco #bay #area, #asthma, #respiratory #symptoms, #skin #symptoms, #digestive #disorder #symptoms, #acid #reflux, #trihalomethanes, #nitrification, #kidney #dialysis, #toxic #to #fish #and #amphibians, #pinhole #pitting #in #pipes, #leaching #of #lead, #rubber #corrosion


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Article in Newspaper

The following article first appeared in The Almanac (Menlo Park, CA) on Wednesday, May 17, 2006.

Water additive causing rise in plumbing problems

Tradesman Ken Russo, who says he suffers respiratory and skin problems resulting from chloramine in the water, points to another “cause and effect” of the chemical additive: a dramatic increase in plumbing problems.

Callers desperate for help with leaks, broken pipes and busted water heaters keep his phone ringing all hours of the day, he says.

Although he prefers to work on remodeling projects, “Lately, all I’ve been doing is a lot of plumbing.”

Mr. Russo attends Citizens Concerned About Chloramine community presentations equipped with a 20-gallon water heater he uses to show the corrosive effects of chloramine.

The SFPUC acknowledges on its Web site that “the lead corrosion concern associated with chloramine is something new and unexpected both by the regulators and the industry.” And chloraminated waters “are more aggressive” than chlorine in reacting with rubbers and their derivatives.

Mr. Russo says rubber fittings and polyurethane fixtures lose their elasticity and are “more prone to cracking” because of chloramine.

“Parts are corroding and failing at an accelerated rate,” he says.

The SFPUC notes on its Web site that chloramine-resistant toilet flapper valves and washers can be purchased at hardware and plumbing supply stores.

By Renee Batti

Photographs Showing the Corrosive Effect of Chloramine on Water Heater Pipes

Top photo: corrosion on top of water heater caused by leak
Second photo: hot water output pipe
Third photo: cold water intake pipe
Note that heated chloraminated water is much more corrosive than cold chloraminated water.

Articles on Lead in Drinking Water

Imminent Endangerment: “Lead” Astray by the EPA. Princeton University Lecture Series, May 4, 2006
Marc Edwards, Virginia Polytechnic Institute

  • Streaming WebMedia: http://www.princeton.edu/WebMedia/lectures/

The Water Guy. First, Marc Edwards discovered high levels of lead in Washington, D.C.’s, drinking water, then he had to persuade the bureaucracy to get the word out. November 2004
Pierre Home-Douglas, Prism, American Society for Engineering Education

  • HTML: http://www.prism-magazine.org/ nov04/feature_water.cfm

Several U.S. Utilities Being Investigated for Lead, October 14, 2004
Water Agencies Have Hidden or Misrepresented Test Results, Records Show
Carol D. Leonnig and David Nakamura, Washington Post Staff Writers

  • HTML: http://www.washingtonpost.com/wp-dyn/articles/ A30896-2004Oct13.html

Chloramines again linked to lead in drinking water, June 29, 2005
Rebecca Renner, Environmental Science Technology, Science News

  • HTML: http://pubs.acs.org/subscribe/journals/esthag-w/ 2005/jun/science/rr_chloramines.html

Experiment confirms chloramine’s effect on lead in drinking water. The water chemistry that caused Washington, D.C.’s lead problem isn’t unique. April 12, 2006
Rebecca Renner, Environmental Science Technology, Science News

  • HTML: http://pubs.acs.org/subscribe/journals/esthag-w/ 2006/apr/science/rr_chloramines.html

Mis-lead. Water utility managers and public-health officials may be getting the wrong message about what happened during Washington, D.C.’s drinking-water crisis. May 31, 2006
Rebecca Renner, Environmental Science Technology, Science News

  • HTML: http://pubs.acs.org/subscribe/journals/esthag-w/ 2006/may/science/rr_mislead.html

Written Testimony by Marc Edwards, Professor of Civil Engineering, on lead in the drinking water of the District of Columbia Water and Sewer Authority (DC WASA), to the U.S. House of Representatives, Chairman Tom Davis and the Committee on Government Reform, March 5, 2004

  • PDF file (with illustrations): http://www.safedrinkingwater.com/community/2004/ VTEdwardsTestimony.pdf (467 KB)
  • HTML (without illustrations): http://www.dcwatch.com/wasa/040305h.htm
  • PDF file on this website (with illustrations): VTEdwardsTestimony.pdf (467 KB)


Federal Loans: Learn How Federal College Loans Work with Information from Citizens Bank #advance #loans


#federal loans
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Federal Loans

What are federal college loans, and how do you get them?

If a cornerstone of the American dream has long been the ability to attend college even for those of modest means, federally guaranteed student loans are the main vehicle for accomplishing the task.

But how do you go about getting federal college loans?

Securing a federal loan begins with filing the FAFSA form, short for Free Application for Federal Student Aid, the nationally standardized method for assessing a family’s finances and thus their ability to shoulder part of the costs of their children’s post-secondary education. Since it’s good to file the FAFSA as soon after the first of the year as possible, you may want to file your tax returns early, since that tax information is a key part of what goes into the application.

Within about a month of submitting your FAFSA to the U.S. Department of Education (which you can do online, at www.fafsa.ed.gov. your family and the schools to which your child has applied will receive a Student Aid Report (SAR). If you qualify for federal loans, these will be listed. It includes your expected family contribution, or EFC, which in turn becomes the basis for all loans, insofar as these loans must cover the difference between your EFC and what you can actually afford to pay out of pocket.

There are two main types of federal student loans, subsidized loans (which are need-based, and for which the government pays the interest while a student is in school and during any grace periods or deferments which may follow) and unsubsidized loans, which are not need-based, on which the borrower pays all interest. But all are administered and channeled through the school your child will ultimately be attending.

Learn more about affordable college financing options

After grants, scholarships and federal aid have been maximized, a private student loan is a good option to fill any remaining financing gap. Find out more information about Citizens Bank’s Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Military Checking Accounts – First Citizens Bank #best #bank #loans


#just military loans
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Military Checking Accounts

Account Details

Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

Liberty Classic

Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

  • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
  • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Discount on future check orders

OPEN NOW Liberty Classic Disclosure

Liberty Advantage

Available to officers and full-time non-commissioned officers. Benefits include:

  • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
  • $500 toward closing costs on a First Citizens mortgage 2
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Free first order of specially designed checks, plus a discount on future orders

OPEN NOW Liberty Advantage Disclosure

All Military Checking Accounts include:

  • No monthly service charges with a monthly direct deposit
  • No minimum balance requirements
  • Unlimited check writing with a monthly direct deposit
  • Optional Overdraft Protection
  • Direct Deposit of Payroll
  • Free Online Banking with Bill Pay
  • Free Mobile Banking 3 and Alerts
  • Free Visa Debit Card
  • Free first order of specially designed checks
  • Free e.statements or free check safekeeping

Account openings and credit are subject to Bank approval.

1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

Pricing

Liberty Classic

$0 monthly service charge if the following requirement is met:

Liberty Advantage

$0 monthly service charge if the following requirement is met:



Personal Loans – First Citizens Bank #apply #for #a #loan


#personal loans rates
#

Personal Loans

An affordable way to achieve your goals.

To learn more about Personal Loans

Call us at

1.877.532.2669

between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

VISIT YOUR LOCAL BRANCH

Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

Directions

Please Upgrade your browser

Your Browser Is Not Supported Please Upgrade

In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

We strongly recommend that you upgrade now.

1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #instant #online #loans


#citi student loans
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Cosigner Release

What does having a cosigner entail?

A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

Learn about how to remove a cosigner from a student loan

For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

Find more about our flexible financing options

If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Loan sharks – Citizens Advice #hard #money #loan


#loan sharks
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Loan sharks

Table of contents

About loan sharks

Reporting a problem to Trading Standards

Trading Standards deal with complex consumer problems and potential criminal activities.

If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

What is a loan shark

To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

If a loan shark threatens you or acts in a violent way, contact the police straight away.

Checking a lender is authorised

If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

What to do if you owe money to a loan shark

If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

Further help and information

On Adviceguide

For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

You may also find the following Adviceguide information helpful:

The Money Advice Service



Military Checking Accounts – First Citizens Bank #online #payday #loans


#just military loans
#

Military Checking Accounts

Account Details

Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

Liberty Classic

Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

  • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
  • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Discount on future check orders

OPEN NOW Liberty Classic Disclosure

Liberty Advantage

Available to officers and full-time non-commissioned officers. Benefits include:

  • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
  • $500 toward closing costs on a First Citizens mortgage 2
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Free first order of specially designed checks, plus a discount on future orders

OPEN NOW Liberty Advantage Disclosure

All Military Checking Accounts include:

  • No monthly service charges with a monthly direct deposit
  • No minimum balance requirements
  • Unlimited check writing with a monthly direct deposit
  • Optional Overdraft Protection
  • Direct Deposit of Payroll
  • Free Online Banking with Bill Pay
  • Free Mobile Banking 3 and Alerts
  • Free Visa Debit Card
  • Free first order of specially designed checks
  • Free e.statements or free check safekeeping

Account openings and credit are subject to Bank approval.

1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

Pricing

Liberty Classic

$0 monthly service charge if the following requirement is met:

Liberty Advantage

$0 monthly service charge if the following requirement is met:



Study Abroad Loans – International Financial Aid for US Citizens #instant #payday #loan


#study loan
#

Study Abroad Loans

As the world continues to bridge distance with technology, students are increasingly aware of the need to gain an international education. Many employers are now looking for students with an international background an advantage students gain when they study abroad.

From about 270,000 last year, the number of US students studying abroad is projected to grow to 1 million by 2017. But it’s not easy to finance an international education for US students who plan to study abroad, travel costs and exchange rates increase the normal burden of tuition, fees and living expenses.

To help, we can provide you with study abroad loans, short term loans, semester abroad loans and foreign enrolled loans for students who are fully enrolled in a school overseas. For international students studying in the USA, we also provide international student loans to help fund your education in the US. Each of our low-hassle loan programs offer competitive interest rates, no application fees, as well as fast and easy loan application and processing.

No matter if you are a US student abroad or an international student in the US, use our loan comparison tool (above) to find and compare lenders today! To do so, simply chose your citizenship, state and school to be matched with lenders. You’ll be able to compare each terms and conditions, and then chose the one that’s right for you. Within a few short weeks, you’ll be notified about your initial approval.

Study Abroad Loans has gathered this information as a resource for students, and this resource does not intend to imply a relationship between your school and our website or company.

You should always double-check directly with your school and lender to ensure that your school is eligible.



Loan sharks – Citizens Advice #cash #loans #for #unemployed


#loan sharks
#

Loan sharks

Table of contents

About loan sharks

Reporting a problem to Trading Standards

Trading Standards deal with complex consumer problems and potential criminal activities.

If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

What is a loan shark

To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

If a loan shark threatens you or acts in a violent way, contact the police straight away.

Checking a lender is authorised

If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

What to do if you owe money to a loan shark

If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

Further help and information

On Adviceguide

For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

You may also find the following Adviceguide information helpful:

The Money Advice Service



Logbook loans campaign – Citizens Advice #payday #loans #no #brokers


#log book loans
#

Logbook loans campaign

Citizens Advice campaign win on logbook loans

Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

We would like to see changes to the law to include:

  • the introduction of the same rights and protections as hire purchase and conditional sale agreements
  • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

  • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
  • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

Logbook loans leave people ‘overloaded’ with debt

Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

  • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
  • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
  • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
  • 37 per cent of clients with logbook loans also had one or more payday loan
  • the total amount of debt across all loans for people with logbook loans was £13,500.

The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

What are logbook loans?

Logbook loans, or bill of sale lending, is a high cost form of credit.

A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

Press coverage

The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

How do logbook loans work?

Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



Citizens Bank Review 2016 #student #loan #application


#student loan consolidation rates
#

Citizens Bank Review

Citizens Bank is one of the 13 largest banks in the United States and a leader in private student loans. With the changes in the student lending industry, Citizens Bank continues to offer students a variety of private student lending options. Citizens Bank acquired Charter One Bank, and both are part of the same company; however, the company continues to brand both companies in the student lending industry. Both Citizens Bank and Charter One offer the same loan programs to their borrowers.

Loan Types

The bank offers college loans for current students of both undergraduate and graduate classes. Citizens suggests that you take advantage of federal student loans before supplementing your borrowing with a private student loan. Yet the loan limits for both the undergraduate and graduate private student loans are very competitive through Citizens Bank.

Your loan limit depends on what type of graduate program you are entering. For the majority of graduate programs, the loan limit is $110,000; however, it increases to $130,000 for business and law school and $170,000 for medical and dental programs.

Citizens offers consolidation loans for college. With student consolidation loans, you can take the outstanding balances for both private student loans and federal student loans and combine them into a single loan amount. The advantage to consolidation is it usually results in a lower monthly payment and more competitive interest rate.

Loan Terms

The APRs for both the variable- and fixed-rate college loans Citizens Bank offers are very competitive with the rates of other private student loan lenders. While Citizens does offer a lower base rate for its variable-rate student loans, it also has a wide range. The APR you receive from Citizens Bank is based on your credit worthiness and financial situation. The cap for the APR of Citizens’ variable-rate loan is 18 percent. This is the standard variable-rate cap offered by the majority of banks and credit unions. The base APR rate for Citizens Bank’s fixed-rate loan is among the best for college loans we reviewed.

When you apply for a Citizens Bank student loan, you can get a rate reduction. If you previously housed a student loan at Citizens Bank or have a qualifying account, then you may get up to a 0.50 percent APR rate reduction. This is an excellent benefit, especially considering that Citizens Bank already has low base rates for its student lending APRs.

One feature Citizens Bank is missing is unemployment protection, which other student loan lenders offer. With unemployment protection, if you lose your job during the student loan repayment process, then the lender stops monthly payments on your loan. Interest will continue to accrue, but you don’t have to have the worry of meeting the payment while you’re out of work. Unemployment protection normally lasts one year.

Repayment

Citizens Bank offers three different lending terms. You can choose a five-, 10- or 15-year term. The different term lengths coincide with different APR tiers, with the five-year term offering the most competitive interest rates and the 15-year term offering a slightly higher APR option but with lower monthly payments. Only the best student loan lenders offer a variety of rates to choose from.

Like most other private student loan companies, Citizens Bank has a rate-reduction offer during the repayment period. If you set up automatic deductions from your debit account, you are eligible for up to a 0.25 percent APR deduction. This is an easy way to get a discounted rate while also preventing the stress of remembering to make your student loan payment.

Citizens Bank offers the standard six-month grace period after you graduate before you need to start repayment on your loan. Interest still accrues during this period, but you are not responsible for the monthly payment.

Help & Support

The help and support Citizens Bank offers is among the best we found while reviewing loans for college. The live chat feature on Citizens Bank’s website is very helpful. The staff representatives are knowledgeable and prompt in their communications. There is an abundance of educational material on Citizens Bank’s website to instruct students and parents about the nuances of student loans. The FAQs quickly address common concerns. The phone and email support is beneficial for resolving more difficult questions and concerns.



Loan sharks – Citizens Advice #sba #loan #rates


#loan sharks
#

Loan sharks

Table of contents

About loan sharks

Reporting a problem to Trading Standards

Trading Standards deal with complex consumer problems and potential criminal activities.

If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

What is a loan shark

To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

If a loan shark threatens you or acts in a violent way, contact the police straight away.

Checking a lender is authorised

If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

What to do if you owe money to a loan shark

If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

Further help and information

On Adviceguide

For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

You may also find the following Adviceguide information helpful:

The Money Advice Service



Student Loan Rate: Find Annual Percentage Rate (APR) Information from Citizens Bank #best #payday #loans


#school loans
#

Student Loan Rate: APR 101

Looking at loans’ annual percentage rate helps you compare

The APR, or annual percentage rate, is a standardized calculation tool that helps you make realistic comparisons between the borrowing cost of various loans. All other things being equal, you’d generally want the loan with the lowest APR you can get.

Factors when evaluating student loan rates

While the student loan rate and total cost is obviously crucial, remember that other factors are also important in choosing the right lender. They include:

  • Fast and easy application process
  • Length of the repayment period
  • Availability of deferment options
  • Automatic payment options
  • Quality of service, such as online account access

Federal Truth in Lending regulations mandate that lenders include the student loan rate whenever offering loans, making it impossible to hide various costs. Basically, the APR is an annualized expression of all of the costs you will pay on a loan, a combination of both the interest rate and any other costs and fees required by the lender, such as origination fees or closing costs. Because this standardized calculation method is the same for everyone, you generally can be assured that the annual percentage rate provides a good basis upon which to compare the real cost of credit from various lenders. As a borrower, be sure to confirm that when you’re comparing loan offers from various lenders, that their student loan rates cover the entire life of the loan.

Learn more about affordable Citizens Bank Student Loan rates

Find helpful information about private student loans. to help you make your educational goals come true. Also, learn about our flexible Citizens Bank Student Loan . If you still have questions about student loan financing, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Logbook loans campaign – Citizens Advice #student #loan #options


#log book loans
#

Logbook loans campaign

Citizens Advice campaign win on logbook loans

Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

We would like to see changes to the law to include:

  • the introduction of the same rights and protections as hire purchase and conditional sale agreements
  • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

  • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
  • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

Logbook loans leave people ‘overloaded’ with debt

Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

  • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
  • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
  • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
  • 37 per cent of clients with logbook loans also had one or more payday loan
  • the total amount of debt across all loans for people with logbook loans was £13,500.

The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

What are logbook loans?

Logbook loans, or bill of sale lending, is a high cost form of credit.

A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

Press coverage

The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

How do logbook loans work?

Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



Citizens Advice warning over legal logbook loans – BBC Newsbeat #car #payment #calc


#log book loan
#

Citizens Advice warning over legal logbook loans

16/10/14

The Citizens Advice service is warning people about taking out high-cost credit such as logbook loans, in which a vehicle is used as security.

Under current laws a logbook loan is attached to the vehicle, not the person who has taken out the credit.

Citizens Advice says the number being taken out rose by 35% between 2011 and 2013.

Even if you didn’t take out the cash yourself, you could still get into trouble for not repaying it.

Newsbeat has been given exclusive figures which show nearly two thirds of young people who called Citizens Advice “in serious debt” had turned to a form of high-cost credit.

‘I was seeing red’

Paul Brewin, 25, bought his car for £1,000.

“As soon as I saw it I fell in love instantly,” he told Newsbeat. “It was exactly what I was looking for.”

He took out a vehicle history check which can identify if there is any outstanding finance, or if the car has ever been stolen, written off or clocked.

Some, like the HPI Check, include a guarantee, valuation and mileage information too.

“I did a check that cost around £3,” he said. “It said the car was clear.”

There are different types of vehicle history checks you can make. Some are cheaper than others and don’t always pick up on all types of finance.

Paul says a few weeks after buying the car a logbook loan company got in touch.

He said: “I got a few letters come through the door saying, ‘We’ve come today looking for this vehicle or payment’.

“I was seeing red. I had steam coming out of my ears.

“I’ve gone and paid for a car and I’m now being told it’s not mine.”

The car wasn’t his because the previous owner had taken out a logbook loan, which allows drivers to borrow money against the value of their vehicle.

A logbook loan is similar to a payday loan and both are advertised online offering fast cash, with few credit checks.

A logbook loan has a typical APR of around 400%.

A Freedom of Information request to the HM Courts and Tribunals Service in 2011 by The Citizens Advice Bureau found there were 36,829 Logbook loans sold.

In 2013 this went up to 49,745.

The Bureau says it expects this to go up further in 2014.

Video caption Citizens Advice Logbook loans advice

James Plunkett is head of consumer research and campaigns for Citizens Advice.

“One of the worries about these forms of credit is you get locked into a cycle,” he said. “People are taking out more loans to pay off their old ones.

“Over time because the interest is so high on these loans they really add up.”

These logbook loans are just one of a number of different high-cost credit loans citizens advice are warning people about.

They analysed 3,000 calls they received from 17 to 24-year-olds between July and September 2013.

Each was classed as in “serious debt” because they had more than one loan.

Of these, two-thirds said they needed help after taking out high interest credit.



Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #home #loan #interest #calculator


#citi student loans
#

Cosigner Release

What does having a cosigner entail?

A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

Learn about how to remove a cosigner from a student loan

For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

Find more about our flexible financing options

If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

Additional student loan and college planning resources



Loan sharks – Citizens Advice #small #business #loans


#loan sharks
#

Loan sharks

Table of contents

About loan sharks

Reporting a problem to Trading Standards

Trading Standards deal with complex consumer problems and potential criminal activities.

If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

What is a loan shark

To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

If a loan shark threatens you or acts in a violent way, contact the police straight away.

Checking a lender is authorised

If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

What to do if you owe money to a loan shark

If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

Further help and information

On Adviceguide

For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

You may also find the following Adviceguide information helpful:

The Money Advice Service



Medical Student Loan: Apply for Medical School Student Loans from Citizens Bank #bad #credit #auto #loans


#medical loans
#

Student Loan for Medical School

Get an overview of your options for medical school student loans

Attending medical school has always been a privilege for the special few, those with the requisite smarts and stamina to make it through the grueling marathon that is med school and medical residency. Of course, it’s also an expensive proposition. With most medical students taking on heavy debt to fund their dream, finding the best and most cost-effective student loan is essential.

Fortunately, there is plenty of financial help available for medical students. But remember: you must apply for federal student loans for medical students by filing a FAFSA, and you should first exhaust grants, scholarships and your other federal student loan options (especially Stafford Loans) before tapping Federal PLUS or private student loans for your graduate education, since both carry a higher interest rate than Stafford Loans.

Here are a few advantages of Federal PLUS Loans for graduates:

  • There are no set limits on borrowing. You can borrow up to the full cost of attendance, minus any other financial aid you receive.
  • The interest rate is fixed over the entire life of the loan.
  • Borrowers need not be currently employed.
  • The federal government charges a 3% origination fee plus a 1% guarantee fee on the principal amount of the Direct PLUS Loan.
  • There is no grace period for repayment, though borrowers may obtain a deferment if enrolled at least half-time in an approved program.
  • You must have a good credit history, or obtain a co-signature from an endorser who does.
  • Interest will continue to be charged on your principal balance, even if you secure a deferment or forbearance.

Discover the benefits of a Citizens Bank Student Loan for medical school

At Citizens Bank, we want to help you find the financing solutions to make your educational goals a reality, so we offer the Citizens Bank Student Loan which includes:

  • Competitive rates including an additional 0.50% interest rate reduction for automating payments from any eligible Citizens Bank account
  • Flexible repayment terms, including the option to defer payment until after graduation
  • Quick, easy application process
  • Simple qualification 1 with minimum income requirements
  • Co-signer release option available after initial 36 consecutive, on-time payments 2

Learn more about affordable Citizens Bank student loans for graduates

You can find helpful information about financing options from Citizens Bank including our Citizens Bank Student Loan . a private student loan to help fund medical school. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the medical school student loan process.

Additional student loan and college planning resources



Military Checking Accounts – First Citizens Bank #peer #to #peer #lending


#just military loans
#

Military Checking Accounts

Account Details

Your service to our country deserves to be rewarded. Our flexible and secure military checking accounts offer unique benefits to help you manage your financial life – from wherever your job takes you.

Liberty Classic

Available to active-duty military personnel, full-time Reserve members and full-time Guard members. Benefits include:

  • No First Citizens ATM fees on the first 2 non-First Citizens ATM transactions each statement cycle 1
  • Special loan packages (Unsecured loan starting at $1,000 and vehicle loan up to $25,000)
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Discount on future check orders

OPEN NOW Liberty Classic Disclosure

Liberty Advantage

Available to officers and full-time non-commissioned officers. Benefits include:

  • No First Citizens ATM fees on the first 5 non-First Citizens ATM transactions each statement cycle 1
  • $500 toward closing costs on a First Citizens mortgage 2
  • Access to open a First Citizens Military Savings account
  • Preferential rates on CDs
  • A Visa Credit Card with reward options
  • Free first order of specially designed checks, plus a discount on future orders

OPEN NOW Liberty Advantage Disclosure

All Military Checking Accounts include:

  • No monthly service charges with a monthly direct deposit
  • No minimum balance requirements
  • Unlimited check writing with a monthly direct deposit
  • Optional Overdraft Protection
  • Direct Deposit of Payroll
  • Free Online Banking with Bill Pay
  • Free Mobile Banking 3 and Alerts
  • Free Visa Debit Card
  • Free first order of specially designed checks
  • Free e.statements or free check safekeeping

Account openings and credit are subject to Bank approval.

1. Service fees may be charged by the third party ATM operator or owner or by the network owner for transactions at non-First Citizens ATMs. For transactions initiated outside the United States, the fee will be 2% of the transaction amount.

2. Only applicable on a refinance or purchase of a primary home. Not applicable on construction loans.

3. First Citizens does not charge fees to download or use the First Citizens Mobile Banking app, First Citizens Mobile Web, or First Citizens Text Banking. However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your carrier for more information.

Pricing

Liberty Classic

$0 monthly service charge if the following requirement is met:

Liberty Advantage

$0 monthly service charge if the following requirement is met:



Citizens Bank Payment Plan: Financing a Mac or iPad for College #home #loan #calculator #australia


#student loans payment
#

Explore Credit Cards Solutions

Solutions

  • Citizens Bank Cash Back Plus

World MasterCard

  • Citizens Bank Clear Value

    Citizens One Payment Plan

    Finance your Apple purchase today with the Citizens One Payment Plan TM. Apply for a loan from Citizens One to help pay for your Apple purchase. Approved applications receive up to $4,000 to go shopping.

    • Build Credit – Apply with a co-borrower to help you get approved and build your credit history
    • Flexible Payment Terms – Pay over 1, 2, or 4 years – Choose the payment option to fit your budget
    • Affordable Payments – Borrow $1,200 for as little as $33 per month for 48 months



  • Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #cash #loans #no #credit #check


    #citi student loans
    #

    Cosigner Release

    What does having a cosigner entail?

    A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

    As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

    Learn about how to remove a cosigner from a student loan

    For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

    With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

    Find more about our flexible financing options

    If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    International Student Loan: Learn About International Student Loans from Citizens Bank #no #teletrack #payday #loans


    #international student loans
    #

    International Student Loans

    Learn about international student loans for studying in the U.S.

    For decades, the United States has been a beacon of higher education around the world. With its globally recognized colleges and universities, students from around the world have been coming to America to pursue higher education. But how can they secure an international student loan to finance those educations?

    To receive federal student financial aid, you must be a U.S. citizen or U.S. national (including natives of American Samoa or Swain’s Island) or a U.S. permanent resident who holds a permanent resident card.

    However, study abroad students are eligible for some private, international student loans. At Citizens Bank, our private student loan product, the Citizens Bank Student Loan . allows international students to apply as long as they have a credit-worthy co-signer who is a U.S. citizen or a permanent resident.

    Remember that international studying in the U.S. will require considerable preparation on your part. Among the things you’ll need to arrange for are:

    • Obtaining your student visa. In most countries, that will require an in-person interview. Consulates and embassies are busiest during the summer season, so you’ll want to make these arrangements before then.
    • Testing your English. Most colleges and universities in the U.S. will require overseas, non-native-English-speaking students to prove their command of English through a standardized test.

    Some of these arrangements take longer than they used to in the post-9/11 environment. So don’t wait until the last minute to make your plans.

    Learn more about our affordable Citizens Bank Citizens Bank Student Loan

    Find helpful information about the Citizens Bank Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Medical Student Loan: Apply for Medical School Student Loans from Citizens Bank #best #loan


    #medical loans
    #

    Student Loan for Medical School

    Get an overview of your options for medical school student loans

    Attending medical school has always been a privilege for the special few, those with the requisite smarts and stamina to make it through the grueling marathon that is med school and medical residency. Of course, it’s also an expensive proposition. With most medical students taking on heavy debt to fund their dream, finding the best and most cost-effective student loan is essential.

    Fortunately, there is plenty of financial help available for medical students. But remember: you must apply for federal student loans for medical students by filing a FAFSA, and you should first exhaust grants, scholarships and your other federal student loan options (especially Stafford Loans) before tapping Federal PLUS or private student loans for your graduate education, since both carry a higher interest rate than Stafford Loans.

    Here are a few advantages of Federal PLUS Loans for graduates:

    • There are no set limits on borrowing. You can borrow up to the full cost of attendance, minus any other financial aid you receive.
    • The interest rate is fixed over the entire life of the loan.
    • Borrowers need not be currently employed.
    • The federal government charges a 3% origination fee plus a 1% guarantee fee on the principal amount of the Direct PLUS Loan.
    • There is no grace period for repayment, though borrowers may obtain a deferment if enrolled at least half-time in an approved program.
    • You must have a good credit history, or obtain a co-signature from an endorser who does.
    • Interest will continue to be charged on your principal balance, even if you secure a deferment or forbearance.

    Discover the benefits of a Citizens Bank Student Loan for medical school

    At Citizens Bank, we want to help you find the financing solutions to make your educational goals a reality, so we offer the Citizens Bank Student Loan which includes:

    • Competitive rates including an additional 0.50% interest rate reduction for automating payments from any eligible Citizens Bank account
    • Flexible repayment terms, including the option to defer payment until after graduation
    • Quick, easy application process
    • Simple qualification 1 with minimum income requirements
    • Co-signer release option available after initial 36 consecutive, on-time payments 2

    Learn more about affordable Citizens Bank student loans for graduates

    You can find helpful information about financing options from Citizens Bank including our Citizens Bank Student Loan . a private student loan to help fund medical school. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the medical school student loan process.

    Additional student loan and college planning resources



    Personal Loans – First Citizens Bank #harp #loan #program


    #personal loans rates
    #

    Personal Loans

    An affordable way to achieve your goals.

    To learn more about Personal Loans

    Call us at

    1.877.532.2669

    between 8:00a.m. – 8:00p.m. Eastern time weekdays, or

    VISIT YOUR LOCAL BRANCH

    Because we understand how important personal loans can be in helping you achieve your goals, we offer a variety of installment loan options.

    Directions

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    In order to view and use certain First Citizens Bank products, services and webpages, we recommend that you use a current version of one of the following browsers. You can upgrade your existing browser by clicking one of the links below. You will need to restart your computer in order to complete the upgrade.

    We strongly recommend that you upgrade now.

    1. Upon clicking this link, you will leave the First Citizens Bank website and go to a third party site. Third party sites may have a privacy policy different from First Citizens Bank and may provide less security than this site. First Citizens Bank and its affiliates are not responsible for the products, services, and content on any third party website.



    Logbook loans campaign – Citizens Advice #home #loan #interest #rates #australia


    #log book loans
    #

    Logbook loans campaign

    Citizens Advice campaign win on logbook loans

    Citizens Advice welcomes the Law Commission’s announcement to review the Bills of Sale Act which governs logbook loans. We have been campaigning since the beginning of 2014 to secure changes to the way logbook loans and lenders operate so that consumers are better protected.

    We would like to see changes to the law to include:

    • the introduction of the same rights and protections as hire purchase and conditional sale agreements
    • Better protection for third parties similar to those offered in hire purchase conditional sale agreements.

    Hire Purchase and conditional sale agreements offer a much higher standard of protection to consumers by:

    • requiring lenders to obtain a court order or the consumer’s informed consent before taking possession of goods subject to an agreements, and
    • granting innocent third party purchasers (buyers who have purchased a used car without knowing a previous owner has secured finance against it) ‘good title’. This means that anyone who buys a vehicle in good faith, without knowledge of a prior hire purchase or conditional sale agreement can keep their car if there are problems with the agreement.

    Citizens Advice will continue to pursue these changes to ensure consumers are better protected under the law.

    Logbook loans leave people ‘overloaded’ with debt

    Citizens Advice has released new evidence which reveals that people who take out logbook loans have twice as many debts as other borrowers. We are deeply concerned that irresponsible lending practices in this market are leaving consumers overloaded with debt.

    This finding is the result of analysis of more than 23,000 cases of significant debt problems handled by bureaux between April and September 2013. It found 127 cases which involved a logbook loan (also known as bills of sale). The findings show, on average:

    • logbook loan debts were worth more than double that of payday loan debts (£2,500 compared to £1,000)
    • people with logbook loans had a total of ten debts, including other forms of credit, that’s double the number of loans held by all debt clients (five)
    • 57 per cent of clients with logbook loans also had one or more other type of high cost credit
    • 37 per cent of clients with logbook loans also had one or more payday loan
    • the total amount of debt across all loans for people with logbook loans was £13,500.

    The new research also finds that 40 per cent of people who took out a logbook loan are in work, with 33 per cent unemployed and 27 per cent not working due to things like caring responsibilities or ill-health.

    Citizens Advice is concerned unscrupulous logbook lenders are handing out loans to people in desperate financial situations without carrying out any proper checks to establish it they can afford to pay back the loan. Evidence we released earlier this year found that there was a lack of proper checks to make sure the borrower could afford the repayments and some borrowers did not have the terms of the loans clearly explained.

    What are logbook loans?

    Logbook loans, or bill of sale lending, is a high cost form of credit.

    A consumer will offer an item of their personal property (usually a car) as security for a loan they have taken. Interest rates are routinely circa 400 per cent annual repayment rate (APR) which is high for a secured form of lending.

    Our evidence shows us there is a particular lack of consumer protection in logbook lending which is still governed by the Bills of Sale Acts dating from the Victorian period.

    Press coverage

    The Daily Mail, The Times, Metro and the Independent i have published stories on our logbook loans campaign following our Survey Monkey poll. Find out more about our campaign

    Our Chief Executive Gillian Guy appeared on ITV News on 17 April to draw attention to the problem of logbook loans and aggressive debt collection practices within the market. Citizens Advice has seen cases where sexual harassment and death threats have been used to intimidate consumers. Our new figures show the number of loans are rising sharply – a worrying 33 per cent since 2011. The Independent discussed logbook loans on 18 April.

    How do logbook loans work?

    Under logbook loans, ownership of the item of property (usually a car) put up as security for the loan moves from the consumer to the lender meaning a lender does not require a court order before they can repossess the car.

    Although the market in logbook lending is small, the level of consumer detriment in this market is high. Irresponsible lending and aggressive debt collection practices are common because there is no incentive for the lender to negotiate when the consumer gets into payment difficulties as they can seize the asset after issuing a default notice.

    Some people who have taken out a logbook loan sell the car on without informing the buyer of the loan secured against it. The buyer stands to lose both the car and the money they paid for it if the lender decides to take possession of the asset – which is within their power. In these cases innocent third party consumers who have bought the car in good faith have few rights and their only access to redress would be to sue the person from whom they bought the car.



    Citizens Bank Payment Plan: Financing a Mac or iPad for College


    #student loans payment
    #

    Explore Credit Cards Solutions

    Solutions

    • Citizens Bank Cash Back Plus

    World MasterCard

  • Citizens Bank Clear Value

    Citizens One Payment Plan

    Finance your Apple purchase today with the Citizens One Payment Plan TM. Apply for a loan from Citizens One to help pay for your Apple purchase. Approved applications receive up to $4,000 to go shopping.

    • Build Credit – Apply with a co-borrower to help you get approved and build your credit history
    • Flexible Payment Terms – Pay over 1, 2, or 4 years – Choose the payment option to fit your budget
    • Affordable Payments – Borrow $1,200 for as little as $33 per month for 48 months



  • Federal Loans: Learn How Federal College Loans Work with Information from Citizens Bank


    #federal loans
    #

    Federal Loans

    What are federal college loans, and how do you get them?

    If a cornerstone of the American dream has long been the ability to attend college even for those of modest means, federally guaranteed student loans are the main vehicle for accomplishing the task.

    But how do you go about getting federal college loans?

    Securing a federal loan begins with filing the FAFSA form, short for Free Application for Federal Student Aid, the nationally standardized method for assessing a family’s finances and thus their ability to shoulder part of the costs of their children’s post-secondary education. Since it’s good to file the FAFSA as soon after the first of the year as possible, you may want to file your tax returns early, since that tax information is a key part of what goes into the application.

    Within about a month of submitting your FAFSA to the U.S. Department of Education (which you can do online, at www.fafsa.ed.gov. your family and the schools to which your child has applied will receive a Student Aid Report (SAR). If you qualify for federal loans, these will be listed. It includes your expected family contribution, or EFC, which in turn becomes the basis for all loans, insofar as these loans must cover the difference between your EFC and what you can actually afford to pay out of pocket.

    There are two main types of federal student loans, subsidized loans (which are need-based, and for which the government pays the interest while a student is in school and during any grace periods or deferments which may follow) and unsubsidized loans, which are not need-based, on which the borrower pays all interest. But all are administered and channeled through the school your child will ultimately be attending.

    Learn more about affordable college financing options

    After grants, scholarships and federal aid have been maximized, a private student loan is a good option to fill any remaining financing gap. Find out more information about Citizens Bank’s Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Loan sharks – Citizens Advice


    #loan sharks
    #

    Loan sharks

    Table of contents

    About loan sharks

    Reporting a problem to Trading Standards

    Trading Standards deal with complex consumer problems and potential criminal activities.

    If you want to report a problem to Trading Standards, you should contact the Citizens Advice consumer service. who share information reported to them with Trading Standards.

    This information tells you about illegal lending and what to do if you have borrowed from a loan shark.

    What is a loan shark

    To lend money lawfully you have to be authorised by the Financial Conduct Authority (FCA). People who lend money without being FCA authorised are breaking the law. They are known as loan sharks .

    Loan sharks often work from home, charge very high rates of interest and don’t give you much paperwork to confirm the arrangements they have made with you.

    Loan sharks often take other illegal action to collect the money they have lent you, such as threatening violence or taking away your credit cards or valuables. In extreme cases, they have been known to force non-payers into prostitution and drug dealing.

    If a loan shark threatens you or acts in a violent way, contact the police straight away.

    Checking a lender is authorised

    If you borrow money from someone who isn’t FCA authorised, you haven’t broken the law, they have. You can find out whether a money lender is authorised by checking the register on the FCA website at www.fca.org.uk .

    What to do if you owe money to a loan shark

    If you think a money lender is operating without being FCA authorised, in England or in Scotland, you can speak in confidence to the Illegal Money Lending Hotline on 0300 555 2222. If you are phoning from Scotland your call will be diverted to the Scottish Illegal Money Lending Project. You can also call the Project direct on 0141 287 6655.

    In Wales, you can report concerns about a money lender to the Wales Illegal Money Lending Unit which operates a 24 hour confidential helpline on: 0300 123 33 11.

    In Northern Ireland you can contact the Trading Standards Consumerline, telephone 0300 123 6262.

    The advisers can give you advice about your situation. The information you provide helps them to take action to stop illegal money lending.

    You can find more information about loan sharks on the Directgov website at www.direct.gov.uk .

    If you are in debt or you are thinking about borrowing from a loan shark, get advice first, for example, at a Citizens Advice Bureau. To search for details of your nearest CAB, including those that can give advice by e-mail, click nearest CAB .

    Further help and information

    On Adviceguide

    For more information about different ways of borrowing money and getting credit including dealing with loan sharks, see Types of borrowing.

    You may also find the following Adviceguide information helpful:

    The Money Advice Service