Pay Day UK Loans

Payday UK gives you access to your money when you need it most. Unexpected expenses can occur at any time during the month and don't always fit around your payday.

Whether it's car repairs, family expenses or just about any of those one-off or unexpected costs, we can help with a quick, easy loan, repayable on your payday.

Payday UK can provide you with a loan between £80 and £750 today.

Payday loans are available to everyone over 18, working in the United Kingdom, with a current bank account that has a Switch, Solo, Visa Electron or Visa Delta card.

Natwest Home Insurance

Natwest home insurance is offered by RBS Group Insurance Services, and while premiums are reasonable the site itself is extremely hard to navigate. Once you find the forms, however, they're easy enough to complete and existing travel or car policyholders get a 10% discount.

• Home insurance


• Buildings insurance


• Contents insurance


• Accidental damage insurance


• Legal protection


• Discounts for existing policyholders

Natwest home insurance does what you'd expect from a high street bank's site: it makes the appropriate part of the Web site exceptionally hard to find, but when you finally get to the right bit the quotation process is painless and premiums are reasonable.

After some simple form-filling Natwest home insurance quoted £276.15 for £13,000 of contents insurance for our urban couple, and our suburban family would pay £252 for £98,500 of buildings and £19,700 of contents insurance. It's worth a look if you have other insurance policies ? car or travel - with Natwest, but other insurers offered the same cover for considerably less cash.

Norwich Union Home Insurance

With Norwich Union Home Insurance you get flexible cover at an affordable price. They currently offer a 15% online discount and right now if you buy buildings cover online you can get contents insurance half price!* Benefits include:

• Norwich Union cover any TVs, PCs and stereo equipment for accidental damage as standard (contents)


• They will replace your locks if your keys are stolen to protect you against burglary (contents)


• Your belongings are replaced on a "New for Old" basis with brand new items** (contents)


• £2 million cover if you are held liable for any injuries which occur on your property (buildings)


• Alternative accommodation provided if you are forced to leave your home due to a claim (buildings)

NatWest Mortgage

The NatWest One account combines your mortgage and current account (and, only if you wish, any savings) into one place. This enables your money to work much harder reducing your overall mortgage balance.

The Natwest Flexible Mortgage provides you with flexibility and choice on how you repay your mortgage in line with your lifestyle & offers:

• Flexibility so you can pay more than your monthly payment


• Option to take a payment holiday up to 6 months


• Borrow at the same interest rate as your Natwest Mortgage without having to take
• out a new loan


• You determine how the mortgage is repaid


• Guaranteed interest rate


• No early repayment charges

Your Personal Loan

Who are Your Personal Loan?

Your personal loan.co.uk is provided by The Co-operative Bank. With their fixed rate unsecured personal loan you can borrow any amount, from £5,000 to £25,000 with repayments spread over 1 to 7 years. With one of the UK?s leading rates, your loan can be used for any purpose.

Five Reasons to Choose Them

1. One of the lowest rates in the UK
2. Save up to £1,100 on your personal loan
3. Quick and easy to apply
4. Fast decision
5. Express service available?

Summary

One low rate from £5,000 to £25,000. You can choose to spread your unsecured loan repayments over 1 year and up to 7 years. Quick and easy to apply and fast decision. Express delivery available. Homeowners only.

Health-On-Line

Health on line - Health insurance company

Health-on-Line is an exciting, innovative Private Medical Insurance provider based in Bournemouth with a refreshing approach to health insurance.

Their products are underwritten by Great Lakes Reinsurance (UK) PLC, a member of the Munich Re Group, one of the largest re-insurers in the world.

Health-on-Line is competitive across the age ranges, for health insurance, and they have a very extensive range of private and NHS facilities throughout the UK. Their menu based polices allow our clients to tailor their health insurance policies to suit their needs and budget says Shona Hilton of Essential Healthcare Ltd.

Future Finance

About Future Finance

Future Finance is a trading style of The M&E Network Ltd. The M&E Network Ltd is authorised and regulated by the Financial Services Authority.

The M&E Network Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 150643 Network House, Lister Hill, Leeds LS18 5AZ Tel: 0113 2591717 Fax: 0113 2586959 Registered in England 2277754

Our aim is to assist you in making the right choices dependant upon your own individual circumstances.

What Future Finance Offer

1. Pension Transfers

Do you worry about your frozen pension scheme and don't know whether the scheme is the best for you in retirement?

Their pension transfer specialist can advise you, detailing your options based on your individual circumstances.

2. Equity Release

Equity Release products are Lifetime Mortgages. To understand the features and risks, ask for a Personalised illustration.

3. Annuities

For most of us deciding how to invest our pension fund to provide an income in retirement is one of the biggest financial decisions we make.

Capital One Classic

Capital One Classic Card

The Capital One classic credit card is geared to helping people with a poor credit history strengthen and rebuild their credit rating, even if you may have been refused credit in the past.

The Capital One classic credit card offers a great way to help improve your credit score, by allowing you the chance to get the credit you need to rebuild your credit rating.

If you have a poor credit history and want to improve your credit rating, the best thing you can do is to get on top of managing your finances and start rebuilding or strengthening your credit rating by using your credit wisely and always making sure you make at least the minimum payment each month, though it is advised to repay more than this if you can.

The Capital One classic credit card offers a credit limit between £200 and £2,500, and if you stay within your credit limit and make your payments on time, Capital One will increase your initial credit limit after 4 months. With an instant decision on your application, you won't even have to wait around for notification by e-mail, phone or snail mail!

The Capital One classic credit card offers the same worldwide recognition as any other Visa credit card. Plus, there is no annual fee to pay and you can even manage your account online.

Summary

Capital One have a credit card entitled Classic Classic Card, with no annual fee. To be eligible to apply for this card customers must be 18 years of age or over with a limit of between £250 and £2500, ideal for students. Instant withdrawals are possible from cash machines, however 34.9%APR variable is chargeable for purchases made on the credit card. This rate is considerably higher than 10.9%. Again cash advances are charged at 1.5% with repayments of 5% of the total outstanding balance. Internet fraud protector is also included in the package.

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Wallets full of unused credit cards

Millions of Britons are carrying credit cards around with them that they never use.

But while the average Briton is carrying 2.1 credit cards with them every day, one person in four has one card in their wallet that they have not used in the last year, while one person in nine has two unused cards and one person in ten has three, figures from Morgan Stanley show.

The least likely card to be left languishing at the back of wallets is a cash-back card. Just one unused card in seventeen is a cash-back credit card.

By contrast, cards handed out by major banks and balance transfer cards with their interest-free period expired make up the majority of unused cards.

"There has been much speculation about the increasing use of plastic in the UK but our report shows that British cardholders are perhaps more savvy than they have been given credit for," said Patrick Muir, marketing director for the Morgan Stanley Credit Card

"Millions of cardholders are taking advantage of loyalty schemes for their everyday spending, with these cards least likely to be lying idle in wallets."

However, there is a danger to dormant cards. While it makes sense to have a back-up card for emergencies, these are the cards that present the greatest identity fraud risk.

This is because when people do not use cards, cut them up, or leave them in a draw the account remains open. Identity fraudsters who obtain personal information about the account holder can contact the credit card provider and get the account's address changed.

After this new/replacement cards - along with bills - are sent to a different address and the fraudster can access the account for months racking up thousands of pounds of debt. They can even get the pin-reissued to the new address.

And as the account is dormant the real cardholder is not used to receiving statements, meaning they do not even notice this happening.