According to research carried out by Alliance & Leicester, one in four (25 per cent) consumers use a personal loan to buy a second-hand car, with 12 per cent borrowing the money to help them purchase a brand new vehicle. Meanwhile, some three per cent of respondents took out a loan to fund the acquisition of a motorbike or caravan.Commenting on the figures, Richard Al-Dabbagh, senior personal loans manager for Alliance & Leicester claimed that it "isn't too surprising" that "a lot of people" are looking to use personal loans to fund such purchases. He argued that many forecourt finance deals are uncompetitive with an average annual percentage rate (APR) of about 20 per cent, compared to loans from other providers which offer a typical APR of around six per cent. "A little more surprising, perhaps, is that a small but growing number of people are getting a personal loan to purchase a caravan. These might be an eco-minded few, but it seems an increasing number of people are turning their backs on airport queues, train delays and other negative holiday certainties," he added.Meanwhile, using a personal loan as a means of debt consolidation was reported to be the second most popular use of the product among those surveyed. According to the financial services firm, 34 per cent of borrowers are looking to reorganise their finances by converting debts accrued from various forms of borrowing, such as credit and store cards, into a single monthly repayment.Those living in London and the rest of the south-east of England were reported to have a higher than average take-up of personal loans for debt consolidation purposes, with 36 per cent borrowing for this reason. Whereas consumers in the north-west are said to be the most likely to borrow money to help pay for a "holiday of a lifetime".The study also showed that some one in five of borrowers (20 per cent) surveyed use loans to carry out home improvements. However, this proportion rose to 23 per cent for people living in Scotland.For funding a wedding, people in Northern Ireland were found to be most likely in the country to look towards a personal loan. Meanwhile, figures released by moneysupermarket earlier this month revealed that 15 per cent of potential brides and grooms plan to take out a personal loan to fund their big day. About 41 per cent of couples intend to use credit cards to finance their wedding. Earlier today, a study released by the Consumer Credit Counselling Service indicated that personal loans account for 56.4 per cent of debts owed by Britons aged between 18 and 24, in comparison to 39.9 per cent of 40 to 59-year-olds. Overall, young people were reported to be in an average debt of 12,790 pounds, with credit card and overdraft use responsible for some 28.5 and 7.3 per cent of borrowing respectively.
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In the not-so-recent-past, job seekers had to spend hours upon hours walking around visiting companies and career consultants hoping to get a good job. They had to pour over newspapers and job listings for hours and then call up every prospective employer to ask for an appointment. But the advent of the Internet has changed all that. Now one of the most effective and efficient ways to look for a job is by using online career services. Unlike days past, the new online job services offer comprehensive advice concerning interviews, resume writing, and even career coaching - all at reasonable prices, and some services are free of charge. Online Career Sites- Job Searching Made SimpleOnline career sites started out small - but with time they have become bigger and better, and offer more value-added services. With online career services, you have a rich repository of career-related information at your fingertips 24/7. Using an online job service is very efficient. Instead of having to go to several different sources for career-related information and help, you can find everything you need in one place. Is The Online Career Site Reputable?We've all heard of job-related scams, so it pays to be careful. Scammers create false vacancies and post them with the intention of getting personal information about candidates and later misusing it. If you follow certain practices while using an online career service, you will be secure. To verify that an online career service will do what they say they will, ask yourself the following questions:????Is there a 'help' function - contact email or otherwise?????Does the service offer career coaching (it is hard to fake this)?????Is there sufficient information on the site (a dearth of information suggests a scam)?You can also verify the reliability of an online career service from sources like the Better Business Bureau. A reputable online career service offers lots of features and information upfront. A good site will include lots of free articles, resume writing help and career coaching available. In addition, they will offer free tools and assessments for job seekers to use on their own before seeking live help.Gone are the days when a career site only allowed job seekers to post their resumes and search available vacancies. Today's career sites are comprehensive tools, offering complete career management, planning and consulting.
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In 2005 the Office of Fair Trading received a super complaint from the Citizens Advice. The complaint related to mis-selling of payment protection products with some firms offering cover that consumers could not claim against for huge premiums. While loan protection can be a lifeline to those who are eligible to take out a policy there are exclusions which mean it is not suitable for everyone.While the Office of Fair Trading investigated, the Financial Services Authority (FSA) did also. The FSA handed out fines to several firms and then referred the sector to the Competition Commission. They are currently conducting an in-depth review of the sector and while some changes have been seen it was recently revealed that the FSA investigated over 4,000 cases in 2007. While recommendations had been laid down since the early days of the investigations, mis-selling of loan protection and related products has doubled. There are currently around 20m payment protection policies in the UK and it is thought that around half of these could have been mis-sold which is a very worrying thought indeed. There has been some improvements, however some firms are still carrying on in their old ways and have made very little progress in improving their selling techniques. It is these sloppy sales practices which have given payment protection products a bad name.It is also the lack of information given at the time of selling the policy that has caused the majority of problems. There are exclusions which are seen frequently in the majority of loan protection insurance policies, yet in many cases these were not highlighted to the customer. Being of retirement age, self-employed, suffering a pre-existing medical condition or working on a part time basis could mean you would be ineligible to claim. Providers can add in exclusions of their own so you do have to check the terms and conditions of a policy thoroughly before buying the loan insurance policy.Choosing to purchase a loan insurance policy from a standalone provider is often the safest way to buy cover. An ethical independent provider will ensure you have the information needed to determine the suitability of a policy. This means that if you take their advice and take the time to understand the product it can work in the way it was designed to work.Loan protection can give you the income once you have been unable to work due to ongoing illness, accident or unforeseen redundancy for between 30 and 90 days. Once cover has commenced it would continue to give you a monthly tax free sum of money to allow you to continue meeting your loan repayments. Having this income allows you concentrate on getting well, or getting a new job, without added stress. Always make sure that you read the terms and conditions thoroughly of any loan protection you are considering and make good use of the free advice that a specialist in payment protection offers. There is more to consider when getting quality payment protection than just the premiums as we have discussed.
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