Mobile Operators charging Freephone number calls

On March 30, 2011, in News, by Lewis Alexander

free credit report UK from ExperianMobile Operators are charging you to call Freephone numbers!

  • Why are we being charged to a call a Freephone number?
  • There’s actually no reason as it’s not really costing the Mobile Operator anything.

We’re a bit tired of it, so we are sharing our knowledge of a new service that will allow you to call any Freephone number from your UK mobile and avoid the overpriced charges.

  • How can you avoid these charges?
  • Dial 01600 700 800
  • Enter the freephone number you want to call.
  • Then press the # key. Your call will then connect as normal.

This is completely free to use, there’s no registering to use it and the call to our number will be treated as any other call you make to a UK landline, which means you won’t have to pay for it; it’ll just be included in the minutes you get from your Mobile Operator, or if you’re on Pay As You Go, the call will be charged the same as any other landline call.

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Credit Card Spending is not Real say our Children

On March 30, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianAs the UK struggles to move under thousands of pounds worth of personal debt for each household, it appears that we may have passed a culture of debt on to our children.

A recent report commissioned by Barclays Money Skills suggests that a third of British teenagers don’t consider monies spent on credit cards to be ‘real’ spending a worrying stat for a country trying to cut down on its levels of personal debt.

It is easy to understand how this attitude may have been transmitted as Brits in their millions racked up unsecured borrowing across credit cards, personal loans and store cards during the late 90’s and early naughties.  With our children watching our every step, it is hardly surprising that their view of credit cards is the same as ours was.  A kind of ‘tomorrow’ approach, where we think that everything will kind of sort itself out in the end and the debt will be magically repaid!

  • The report also stated that 34% regularly ran out of money!
  • 13% were constantly out of cash!
  • and perhaps surprisingly a third rely on their parents for regular handouts in order to survive!
  • Only one third?

With this being the case, it does seem to ring true that very few teenagers reach financial independence prior to potentially moving out of the family home.

  • Of further concern should be the fact that 90% suggested they solely relied on advice from their friends and family.
  • With only 3% commenting that their place of education had helped.

Perhaps it is no surprise that in listening to us parents that so many are struggling to attain a decent level of financial understanding.  What with us being such masters of the art of fiscal management!

Somewhat reassuring was the fact that ¾ of those surveyed had made some kind of savings during the past twelve months, albeit these funds were mostly used for gadgets and clothes.  But then again, some savings are better than no savings.  A fact that I keep telling myself as besides the princely sum of £1000 that I placed into an ISA recently, I currently have no other savings to speak of.

To help this shocking state of affairs and genuinely to their credit, Barclays have recently announced a trio of partnerships with youth charities designed to improve the fiscal skills of up to 1 million young people.  At a time when the banks are being given some considerable stick (not least from this blog) such a move is commendable.

Action for Children, the National Skills Academy for Financial Services and the National Youth Agency are the charities involved and the scheme is due to target youngsters who are out of work or in education / training, educating across a range of financial disciplines including budgeting, spending, saving and avoiding debt.

If however this financial training has come a little late for you and your own little personal debt mountain has already been created from the costs of being a teenager and in particular a student in the 21st century, then don’t worry, help is at hand.

  • Here at Lewis Alexander, we have debt management consultants to take your call.
  • Before you speak to us, it would help us if you can write down how much you owe, who you owe it to, details of any savings and details of your regular income.

By understanding your current position our financial consultants will be able to develop a plan of action that suits your current circumstance.  Rather than force certain debt solutions to fit your individual set of circumstances, we prefer to understand the issues that you are facing before recommending the best course of action.

So call today and see if we can help you to improve your financial health.

Call 0800 018 6868 in confidence, your call is FREE from a UK landline.

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Over 1500 people being made redundant every day

On March 29, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianThis isn’t exactly the headline that David Cameron wants to see during these tough economic times, especially after his assertion that the private sector would and indeed could create vacancies to make up for local and central government cutbacks.

But at a time when Britons owe £1.4trillion (that’s more noughts than we can even think to draw out in a blog!) and bankruptcies are being declared at a rate of 337 per day, the stats are beginning to look more than a little bit grim.

So without wishing to compound the agony unduly, figures such as the average UK household owing £57,635 and approximately 1,000 Britons turning to various organisations to help them manage their debts are hardly going to help build popularity.

It is likely that the Cameron, Clegg, Osborne axis are sure to blame the previous government, but with the public having short memories, the continual panning of the previous regime has only been tolerated for so long.  As we approach 12 months into this term of government, this ‘honeymoon period’ is coming to an end!

1589 redundancies may not sound like a great number when there are 60 million or so people living in the UK, but when you think this is around 11,000 per week or over ½ a million in 2011, then the numbers really start to hit home.  When these figures are added to the 833,000 Britons who have been unemployed for 12 months or more we really start to see a picture of a country in trouble.

  • So what difference is a neutral budget going to make during such difficult times?

The short answer is that the budget pleased very few.  Hard line capitalists would have wanted to see additional tax breaks for small and medium sized businesses, whilst 99.9% of those who marched on the recent TUC rally would call for more government cash to help create jobs for cash-strapped Britons.

Sitting on the fence is not a common pastime for this blog writer, but with food price inflation standing at 6%, energy prices rising at a higher rate and the cost of a barrel of oil remaining impossibly high, it is hard not to have sympathy for fellow Britons who are watching their quality of life slip back by a year almost every month.

But what does being made redundant and experiencing higher petrol, gas, electricity and food prices actually mean for the man in the street?

  • Well, first up, stating the obvious, if you don’t have any income, paying the bills does become somewhat tough.
  • So that’s where the state come in to help, right?
  • Wrong!
  • State help only really kicks in once you have burned your life savings and are down to the poverty line.
  • Life in the UK is going to get very interesting, that’s for sure!

If you are currently finding yourself worse off with each passing month and in a situation where your household debts are spiralling past the average £57k detailed above then it may be time to join the 1000 people who every day are seeking help with their debts.

One free call to Lewis Alexander on 0800 018 6868 could be the start of better things for you and your family in 2011.  Our debt management specialists are well versed at working with families and hard working Britons who are in debt.  We approach the situation from a new perspective… yours!

Rather than try and sell you a solution we identify your current situation, understand what you are looking to do, before advising on a solution that meets your needs.

If you need help with debt then why not give us a call and see if we can make a difference to the debt situation for your household.  If you are driven to make a difference to your life and have a regular income, then we can help you!

  • Call 0800 018 6868 in confidence today.
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Bank loan default process

On March 27, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianSince the start of the credit crunch, financial news in the UK has been littered with news about sub-prime lending, bad debt, poor credit risk decisions and negative reviews on how little the high street banks are now lending personal and small business customers.

In effect, the kamikaze lending of the early ‘naughties’ has been replaced with the polar opposite of a lending freeze as banks attempt to repair their decimated balance sheets and prove to regulators and the government that they are viable businesses that no longer require tougher regulation and handholding to restructure their business models.

This is in stark contrast to the type of lending that was made in the 1950’s and 60’s when the role of a High Street Bank Manager was considered to be a responsible, respectable leader at the heart of a community.  During these times, any lending decision made was preceded by an application and the personal interview of the person(s) applying to consider their suitability for the loan in question.

A holistic approach was taken to the ‘credit risk’ decision by a bank manager or one of their senior officials.  In this process, the application, interview, local knowledge, return on investment and sheer  ability (and willingness) to repay a loan were all considered key elements of equal importance, In stark contrast to the ‘computer says no’ processing that Little Britain has regularly satirise.

Perhaps an overlooked feature of the process from these post-war years was inclusion of walking prospective borrowers through the full consequences of a default or failure to make the repayments.  This process included stating in full all the charges that would be incurred, how the bank would go about reclaiming the money, what this would feel like for the customer and ultimately how debt collection agents would go on to seize assets that have been secured against any loans if necessary.  This cold, yet stark appraisal of the worst case scenario at least left all borrowers in no doubt of what would happen if the repayments could not be met.

This is in contrast with today’s process of handing out 100-page booklets detailing the terms and conditions of the loan (which in fairness do highlight charges that would be incurred from non-repayment) but these statements are written down and are not accompanied with a full and frank description of what this collection process would feel like.

The modern bank executive manager would suggest that a return to such a halcyon age would result in the increase in application times and thus reduce the profitability of each branch and employee.  But perhaps this overlooks the need for banks to play a more active role in educating society and fulfilling the role of responsible lending.

Getting into trouble and behind your scheduled rate of repayments is easy and the stress this causes can build up quickly.  If this position rings true for you, then perhaps a call to one of our debt management specialists would help you to restore order, structure and a help to plan long-term to get yourself out of debt and back into the black.

Our dedicated debt advisors are available on 0800 018 6868 and we are trained to advise on your specific circumstances and help you take control of your finances once again.  We understand the intricacies of the modern day personal debt and are happy to try and explain any complexities you did not previously understand, together with the collections and recoveries process that most financial bodies use.

Simply understanding the perspective of your lending institution can help you to form an action plan for you to put into practice.  So don’t delay, if you need help with debt call Lewis Alexander today using 0800 018 6868.

  • Call are FREE from landlines!
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Japan Tsunami Disaster Impact on UK Personal Debt Problems

On March 22, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianRecent events in Japan have shocked the world, as one of the most powerful earthquakes ever to strike planet earth sent a tsunami wave to decimate Northern Japan and put a screeching halt to the world’s third largest economy.
  • Since the quake has struck, thousands have been confirmed dead, thousands more are missing, the country’s infrastructure has been devastated and almost 20% has been wiped from the stocks listed on the Nikkei.

In the UK, our favourite topic of conversation is the weather.  However, we are sat in temperate climbs, with only very minor seasonal changes (in comparison to others) and very little in the way of seismic activity.

Perhaps it’s about time we considered ourselves a little more than fortunate!

To watch the devastating pictures of the world’s third largest economic power brought to its knees, certainly for this blog writer, brought home how critical the economic restructuring of the economy in the UK really is.

As the coalition government attempts this restructure, it occurs to me that should such an event have occurred in the North or Atlantic seas then the UK would be condemned to generations of recession, stagflation and a possible return to the Victorian era quality of life.

Over the other side of the world, as billions and billions of Japanese Yen are poured in aid to support the stricken country, these funds are going to need to be matched with determination, engineering expertise, time and patience to spark a recovery. Possibly over the next five years or more.

Sickeningly ironic, is the fact that the economic impacts of the tsunami continue to ripple around the world.  Whilst it does seem somewhat inappropriate to think of oneself during such terrible times, it is perhaps the pressure on oil prices that should be of most concern to the world economy.  With Japan’s status as one of the world’s largest energy importers, this need is only likely to rise in the aftermath of the ongoing nuclear disaster and subsequent reviews.

Almost 30% of Japan’s energy is currently derived from the nuclear industry and with nuclear energy production under question, together with the need for increased energy to support regeneration, this is only going to have one effect on oil prices and thus the upward pressure on UK inflationary figures will place UK households already struggling to make ends meet in even harder financial hardship.

  • In the UK we are also likely to see rising prices of insurance products, increased pressure on pension funds (through the lost value of International and specifically Pacific Rim stocks), and further increased pressure on home energy prices and prices at the pump.
  • This may all leave you remarkably short and starting to struggle with your everyday finances.  If this sounds like you, then it is perhaps time to get in touch with a debt management company to help you review your financial situation.

Here at Lewis Alexander we have debt management specialists available.

By calling 0800 018 6868 you can speak to our experts and start to restructure your own personal finances in what is an increasingly challenging world.

We start by understanding the full details of the commitments you already have and then work with you to understand what you can afford to pay each month.  Once our experts have a view of your complete financial picture we can then look at ways to improve your financial situation and put you in a better position.

The current world economic and geological climate is as challenging as we have ever known it, but by getting organised and being disciplined, Lewis Alexander will try and help you manage any personal debt problem you may have.

  • Call us FREE from a land line today on 0800 018 6868 now.
  • We are waiting for your call!
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Cleardebt Group Plc buys DCM Money Solutions client base

On March 21, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianCleardebt Group Plc has bought the client base of DCM Money Solutions.
  • DCM which traded under the registered name Apex Debt Counselling & Management Limited is now in administration.

What does this mean for the vulnerable client base that put their trust into DCM when taking up a debt solution from them, be it an IVA or debt management plan?

Well the fact that Cleardebt Group Plc has swooped in for the client base suggests that the failure of DCM Money actually again benefits the Cleardebt acquisition model.  On the other hand it will be down to the client to decide if the service and management of the IVA’s or debt management plans by Cleardebt actually compares either positively or negatively when compared to DCM who previously managed their cases.

  • As a client on a debt management plan, you should not be tied in or contracted to the company helping you.
  • You should be free to leave at any time!
  • When joining another debt management company after leaving or moving from another, your creditors should not be subjected to a missed payment due to the change over.

At Lewis Alexander we will help any client that finds themselves in the unfortunate position where they have chosen one debt service and ended up with another through no fault of their own, just like situations such as the DCM Money example where that company has gone into administration.

  • You have the choice to join any service you so desire but should be aware when shopping about.

From our own industry experience DCM had always operated within the remit of the Debt Management Guidance set out by the Office of Fair Trading.  We never heard bad press regarding the daily operation or with regard to the advertising for that matter.

There was a fairly recent change in management from what we were aware of and sometimes when the ethos or founding individual is removed from a business, that business does not always continue to prosper, that could have been the case for DCM Money Solutions but we cannot clarify this.

If you need advice regarding moving debt company or service then call our debt helpline using 0800 018 6868. We can offer you debt management plans and IVA advice if you are unsure or mislead by your current provider.

If you were a client of DCM Money Solutions and would like to see how Lewis Alexander Financial Management can help you, we can state that by moving to our debt management plan would mean that the first payment you make would be distributed to your creditors, therefore, they would not notice a break in the payment plan and subsequently we would not be keeping your first payment to our company.

  • For further information on becoming a client of Lewis Alexander Financial Management call 0800 018 6868, all calls are dealt with in the strictest of confidence.
  • Your call is FREE from landlines and our lines are open 24 hours a day, 7 days a week.
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Is this the return of the 100% mortgage?

On March 18, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianMuch maligned for its perceived part in the credit crunch, the 100% mortgage may make a return in the UK during 2011 as a matter of necessity to avoid plunging the UK banks into further swathing write-offs for bad debt.

A serious concern for the Monetary Policy Committee and leading economic advisors is that by raising interest rates in 2011 (arguably required to control inflation and encourage economic growth) it will plunge many customers currently in negative equity paying standard variable rate mortgage rates into a position whereby they can no longer afford their monthly repayments.

Such an impact is considered too great a risk to the economic recovery as large volumes of customers defaulting and banks suffering from reduced profits will undermine the fragile confidence in the banking system.  Therefore, the government owned banks (such as RBS, Lloyds TSB & NRAM) are rumoured to be ‘under significant pressure’ to review their lending policies for mortgages.

Essentially the choice offered is stark – either offer existing customers a reasonable rate on a fixed term or risk having to write off £millions more in bad debt as mortgage customers find it difficult to keep pace with rising standard variable rates as the MPC hikes interest rates, as expected, during 2011.

As recent market responses to bank results show, large provisions for bad debt do not help support high share prices so this is something that banks very much wish to avoid.

Put simply, if the banks don’t come up with decent deals, then there will be more people struggling to pay their mortgage payments and thus repossessions will increase and there will then be more people queuing at the door for social housing and less people from ‘Alarm Clock Britain’ focusing on the big society.

  • Still with us? We hope so!
  • So what does it mean for you and I?  Well not a lot if you bought your house before 2005 and haven’t taken any further loans secured against your house.
  • If however you bought at the top of the market or currently have a loan to value of 95% and more, then this may be of concern.  Worrying about being able to meet your mortgage commitments is not a good place to be in, and actually being in or having mortgage arrears is worse.

Failure to keep up repayments on a mortgage or any other debt secured on your home may result in you losing your home through repossession!

As debt management specialists, we may be in a position to help you change your current unsecured debt repayment arrangements to reduce the impact that an increase to your monthly mortgage repayments would bring.

Help is at hand and here at Lewis Alexander as we have personal debt specialists available to try and help you.  If you are in a position whereby your household finances are carefully balanced and any increase in your mortgage rate would cause a real difficulty then call us on FREE today using 0800 018 6868.

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  • free credit report UK from ExperianAfter the announcement of the sale of BeatThatQuote to Google, the financial and seo blogosphere has become a wash with predictions on the real reasoning behind the £37 million acquisition by Google.
  • In a world of increasing speculation we all have an idea of what the real reasoning behind a sale like this could be but have any of us actually got our fingers on the Google pulse?

As a personal debt consolidation company that specialises in obtaining the majority of client acquisitions through white hat / good seo practices, here at Lewis Alexander we have experienced the pleasures and fantastic results achievable by working hard to obtain top ranking positions in Google and its partners search results.

  • The reasoning behind why Google has bought this financial comparison site will be many fold and only time will tell what the real plans and visions held by Google for this company really are.

What we can be sure of is that the chiefs at Google know exactly what they are doing.  We can also be sure that the north London entrepreneur John Paleomylites, founder of BeatthatQuote is also on the same wavelength as Google re comparison search, hence the deal.

We believe that this purchase is the start of a claim by Google in the UK online comparison world, the ability they have to define the ergonomics of a site and functionality whilst still retaining profitability is second to none and within 3 years we predict Google to have cornered the entire UK comparison market, regardless of the current size and worth of comparison sites such as “comparethemarket”, “GoCompare” and “MoneySupermarket”. It is the not for profit experience that will prevail.

We may be wrong but after working alongside the Google algorithm for the past 8 years and watching with interest many progressive changes implemented by Google, one thing we know is that Google is to be trusted as a partner and will not hinder a genuine quest for natural, relevant and organic search listings, if you pull Google by the tail and try and creep around the back door you will have yourself to blame!  In fact from our own experiences, Google only seems to penalise companies if they are employing black hat / bad seo practices.

  • Google rewards effort, it is as simple as that!

To obtain top search engine rankings in industries such as financial services, you may have to enlist the help of Internet advertising consultants that can “power” your site or help you develop it into a high ranking site through “on page” and “off page” optimisation.

At Lewis Alexander we are debt management specialists and without the seo injection into our company, we would not have been able to sustain such a competitive and prominent online presence when compared to our larger PLC sized competition.  The larger companies have caught up with seo rankings as they were and still are known to use the “get it now” method of PPC or pay per click. Since market forces have become harder for most companies, the marketing spends have in turn reduced and most of these larger debt companies have reduced spend on often expensive PPC or pay per click advertising.

  • Mastering strategies to obtain a client at a lower cost to larger competition was something that businesses world over fought hard to achieve and regularly failed at, this was prior to the Internet revolution.

Lewis Alexander is eternally grateful to Google for creating such a platform that enables smaller competition to flourish in the manner it does.  Without this type of technology clients and potential consumers would only get to see the adverts of the personal debt consolidation companies with the deepest pockets.  Surely that would not be fair!

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Car Insurance Premiums set to rise for Women

On March 4, 2011, in News, by Lewis Alexander
  • free credit report UK from ExperianFirst it was all about producing straight, one-size-fits all Bananas and Cucumbers, next it was votes for prisoners.
  • Now, Brussels’ latest idea requires insurers to change the way Car Insurance and Life Insurance premiums are calculated for women in the UK, in order to avoid ‘sex discrimination’ claims.

Surprise, surprise there is only one winner out of this situation and you’ve guessed it!

Its not the average UK male receiving a lower premium, it’s the insurance companies who could be able to charge higher premiums to female car drivers!

Essentially the EU are saying it is ‘unfair’ to charge different groups of people different prices for their insurances.  The application of this policy decision will change how UK insurance premiums are calculated overnight.

Your immediate reaction may be – ‘will it really be that bad?’, but upon investigation this has several impacts on the British economy & its people:

1.     The competitive advantage of female only insurers – such as Sheila’s wheels – could be wiped out, as they will longer be able to offer the extremely competitive rates for women

2.     This ruling will require considerable change to how insurance companies’ most skilled employees calculate risk.  At a time when large financial organisations are being asked to reduce the risks that they are taking, additional work to comply with mindless European regulation hardly seems a priority.  In the same way that straightening that banana was ridiculous!

3.     Thirdly and perhaps most importantly is the financial impact on households across the UK that may be put into deficit with increased insurance premiums.

It is this third impact that is of most concern, at a time when household budgets are already stretched to breaking point.  For those who are unable to get to work using an alternative mode of transport (and we could blame Dr Beeching, Thatcher’s privatisations, New Labour’s ill-discplined use of tax-payers money amongst a whole host of government errors in the last 80 years or so) the car really is an essential of modern day life.

At a time when oil soars towards $200 per barrel, congestion charging schemes are being considered across the UK, parking costs have increased, an additional £50 per month spent on insurances (across cars and life) could make all the difference between managing existing debt commitments and starting to fall behind on repayments.

If you are starting to struggle with your debt repayments, it can be difficult to know where to turn.  Here at Lewis Alexander we understand the struggles of the average working Briton and we seek to help anyone who has a regular income and a determination to improve their current financial situation.

Contact one of our debt management specialists on 0800 018 6868 and we can start to build up an understanding of your current commitments, the changes that are placing pressure on your household budgets and could start to work with you and your creditors to develop a solution to your financial headaches.

Our specialists are professional and will treat your case in the strictest of confidence.  We do not charge potential clients ‘up front fees’ for our advice and always seek to provide the best solution for our clients, rather than tie them in to an unsuitable solution. Our ongoing services are chargeable should you proceed after taking our initial advice.

So, if your car insurance costs are rising and you are starting to struggle, give us a call today on 0800 018 6868 and we can see if we can help you start to improve your household’s financial health!

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Refused loans but I don’t know why!

On March 1, 2011, in News, by Lewis Alexander

free credit report UK from ExperianDespite the recent announcements of profits in the banking sector and the sizeable bonus payments that accompany this news (let’s not get into that!) one fact does remain.

  • It seems to be getting harder and harder to be accepted for a personal loan in the UK.

This is due to a number of factors as follows:

  • Purely and simply, banks have tightened their criteria for lending
  • There is a smaller pot of money that banks are using to lend out to customers
  • Previous credit records are being more closely scrutinised

Which to be honest is all underpinned by the fact that banks are looking to fundamentally change the structure and the risk reflected in their balance sheets.  Having re-read this a number of times, your blogger is in danger of sounding like an ultra boring accountant, so lets look into what this actually means in more detail.

1. Banks are being asked by the coalition government (and the EU) to reduce the overall risks taken in their lending, to avoid a repeat of the recent financial crisis.  In the longer term, this may see some banks be ‘split’ so that there retail divisions (everyday banking for you and I) are split from their investment arms.

NB: When the papers talk about ‘grotesque bonuses’ it is very rare for anyone in the Retail divisions to be in receipt of these substantial sums.  Therefore, try not to get too angry with the customer services clerk who serves you in your local high street branch!

  • The banking crisis and bonus culture cannot be attributed to he or she!

2. In response to being asked to reduce overall risk, the executive boards of major banks have decided that the overall amount of money available to lend to individuals and to small and medium sized businesses should be reduced.  This means that there is the same amount of people competing for a reduced pot of money.

Specifically in response to reducing the ‘risky’ lending, it is considerably easier to tighten up lending scorecards to personal customers and small businesses.  These scorecards are basically a list of questions, where the responses are used to make decisions on granting a personal loan or approving an overdraft or credit agreement.  For retail customers these scorecards can prove to be very accurate predictors of what constitutes a ‘good’ lending decision.

During the height of personal borrowing in the UK,  these scorecards were ‘loosened’ slightly, which meant that banks accepted that there may be a higher volume of cases which default, in exchange for obtaining an increased overall lending pot (and increased interest payments to fuel profits).

3. Finally, the executive management of many of the large UK banks have decided to go ‘back to basics’ and instead of borrowing money from international markets, in order to lend to retail customers, they would go about things in the traditional way.  Encourage more savers to deposit with them, prior to lending out a safer proportion of saver’s funds.

Whilst this is a noble response, it also doesn’t take a genius to work out that when the average savings deposit account on the high street pays less than 1% gross interest (and the UK inflation rate soars towards 5%), depositing funds into a high street bank is a less than attractive proposition.

  • So, where does this leave you, the borrower, looking to obtain funds to allow you to purchase that new car, or build the extension at the back of the house?

At Lewis Alexander, we specialise in debt management advice and advice if refused a loan, we may be able to help you obtain access to borrowing if you qualify.

One free call to our personal debt and personal loan advisors on 0800 018 6868 could help you understand how you can restructure your existing borrowing or rectify your credit rating.

  • Our advisors are all professionals and will treat your call in the strictest of confidence.
  • So call us FREE today to see if we can assist you in your borrowing plans for 2011!
  • Call 0800 018 6868
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