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Shakespeare Finance is registered as a Limited Company in
England Wales with Company No. 04967271. Registered
Office: Parade House 135, The Parade High Street Watford,
Hertfordshire WD17 1NS United Kingdom, Email:
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Shakespeare Finance Ltd. is authorised and regulated by the
Financial Services Authority (FSA No. 441248). The loan
products may not be regulated by FSA. The Company is duly
registered with: the Data Protection Act, 1998 Reg. No:
Z8587566, the Consumer Credit Act, 1974 Licence No. 547864 and
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Shakespeare Finance Ltd. is authorised and regulated by the
Financial Services Authority (FSA No. 441248). The loan
products may not be regulated by FSA. The Company is duly
registered with: the Data Protection Act, 1998 Reg. No:
Z8587566, the Consumer Credit Act, 1974 Licence No. 547864 and
FISA Reg. No. 28651810. Copyright 2007 Shakespeare
Finance Ltd. All rights reserved. mortgage re uk mortgage
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Finance News From Shakespeare Finance Recent base
rate increase affects loan and housing market Tuesday,
19 September 2006 mortgage re
The latest figures suggest that the housing market may run
out of steam with a 0.2 % rise in the average price. The Bank
of England s recent base rate increase to 4.75% shows
another major impact. bad credit mortgage re uk
London (shakespearefinance) September 19,
2006: the latest data from one of the property website
Rightmove suggested that the housing market might be finally be
running out of steam. The figures released by them showed that
the average asking rate for a home rising just 0.2 per cent to
214, 566 for the month through the first week of
September. The weak number came on the top of an even weaker
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The jury was still out on whether the Bank of
England s recent base rate increased to 4.75 per cent was
yet having a major impact. The purchaser at the same time had
started focusing on the next rise that could come as early as
November. The next hike could prove the tipping point as it was
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Rightmove s Commercial Director, Miles Shipside
commented that the market might already be running out of steam
and that they could be reaching a pivotal moment. Meanwhile,
the firm forecasted the price to rise 8 per cent for the year
as a whole. mortgage re uk mortgage
UK financial and Loan News--Select-- 5 Years 10 Years 15 Years 25 Years Finance
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Finance News From Shakespeare Finance Misleading
adverts in majority Thursday, 4 May 2006 financing mortgage re
According to accountancy firm Grant Thornton around 76 per
cent of advertisements and product promotions it examined
failed to meet the standards set by Financial Services
Authority (FSA). mortgage re uk
Discrepancies were found in interest rates being advertised
which were not available, scare tactics were used, making tall
claims that were not true and extreme use of small print.
Overall, the research found significant faults in 84 per cent
of advertisements of investment products, 81 per cent in
promotions of mortgages, personal loansetc.
and 61 per cent of insurance promotions. association lender mortgage
As per the guidelines of FSA all promotional adverts should
be understandable, just and not deceptive, and risk warnings
should be outlined. According to Ian Gorham, a partner at Grant
Thornton s financial markets group: The fact that
more than 75 per cent of all UK financial advertisements that
we inspected did not meet the standards is highly
disappointing, and even more so given some of the serious
examples we found. best deal mortgage re
An FSA spokesman said We devote many resources to
communicate our requirements to firms, and acting on bad
practice when we see it. A customer s initial idea of
a product can influence their subsequent decision-making to a
considerable degree so it is important that companies produce
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Finance News From Shakespeare Finance Self-employed
taking personal loans to pay tax bills Thursday, 18
Jan 2007 mortgage quote re
In order to pay off the unpredicted tax bills, consumers are
taking personal loans. As reported, self-employed individuals
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London (shakespearefinance) 18 Jan 2007:
According to a report published in Thrifty Scot, around
50 million will be borrowed in 2007 to pay for
unpredicted extra tax bills. The majority of the consumers
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Consumers must fill out self-assessment tax forms by January
31st to avoid a 100 fine, on top of any extra money they
may owe. This is the main reason behind the consumers
considering a personal loanto juggle their
personal finances. As estimated by Thrifty Scot, the average
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Self-employed consumers are well aware of the pressures of
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amount of tax. Though hiring a lawyer to deal with these issues
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Consumers are advised by the company to make sure that they
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Shakespeare Finance News: UK Adults prefer spending extra
income in luxury--Select-- 5 Years 10 Years 15 Years 25 Years Finance
News - Shakespeare Finance
Finance News From Shakespeare Finance UK Adults
prefer spending extra income in luxury monday, 24 July
2006 bad consolidation debt
Adults in the UK prefer spending their additional income
more in luxuries than saving it for future financial use. The
popular choice of using an increased income is enjoying
holidays and making home improvements. bad credit loan mortgage re
A new survey has revealed that the UK adults like to spend
their extra income on luxuries instead of saving it for future.
It is found by IFA Promotion that the most popular category of
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The survey shows that 63 per cent of these people opt for
investing the extra income on holidaying. 54 per cent of adults
prefer making home improvement while 46 per cent like to buy
clothes with the spare cash. Surprisingly, only two out of five
adults are in favour of paying off debts. However, 44 per cent
like to save it for using after retirement. bad debt mortgage re
David Elms, chief executive of IFA told that despite well
documented and countless warnings that as a nation, they were
not saving enough; it seemed that people were yet to adopt a
sensible saving mantra. He added that the situation needed to
be rectified. He further suggested that taking independent
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Finance News From Shakespeare Finance Loans to carry out DIY
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A loan to buy a property There are different types of
mortgage, such as buy to let , where you borrow money
to buy a property you will let out to tenants. Almost all
mortgages are partly secured on the value of the property, and
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Pays your mortgage for a limited period if you can t
work or are made redundant. Mortgage valuation
A valuation, carried out by your mortgage lender, of the
property that you want to buy. N National
Savings Tax-free savings accounts run by the
Government. Negative Equity When your house is
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has fallen. loan mortgage re
Non-status Mortgage
Mortgages offered by lenders without any proof of previous
mortgage history, proof of income. The usual maximum loan to
value is around 70%. O Occupational Pension
Scheme A pension scheme set up by an employer for its
employees. Offset mortgage Offset or all in
one mortgages allow you to offset the balance of your mortgage,
and any other borrowings you have, against any money you have
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Ombudsman
An independent official to whom grievances can be aired,
free of charge. Overdraft When you owe money
to your bank through your current account P Partial
Disability A disability that is less than total
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contract in question) but still sufficient to hamper you in
your job. loan mortgage re uk
PAYE
Pay-As-You-Earn - where your employer takes income tax off
your salary or wages before you get it, and pays it direct to
the Inland Revenue on your behalf. Payment
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you to miss monthly payments on your mortgage. Payment
protection A type of insurance to cover your monthly
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A way of saving for your retirement Pension
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receives an income from a pension scheme. Permanent
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Permanent health insurance
Provides an income, until retirement if necessary, if you
can t work because of sickness or disability.
Personal Loan A loan which you take out as an
individual, with a fixed interest rate and a fixed number of
repayments. R Redemption penalty The amount of
money you will be charged if you wish to switch lender or pay
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initial cheap-rate period. mortgage re
Refinancing
The process of repaying some or all of the loan capital of
a firm by obtaining fresh loans, usually at a lower rate of
interest. Remortgage This is when you switch
your mortgage from your current lender to another one. You take
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to get a better rate that saves you money. Repayment
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A mortgage with which you repay part of the debt each month,
plus interest on the amount of loan outstanding.
Repossession This is when a borrower fails to
pay back their loan in accordance with the terms and conditions
of their loan and the lender takes legal ownership of the
property. S Secured loan A loan for which you
put up an asset, such as your home, as security; if you do not
keep up you repayments, the lender can sell your home to get
their money back. french mortgage re
Standard variable rate
The mortgage interest rate charged by most lenders, which
varies in line with rises and falls in the Bank of England base
rate. U Unit Linked Endowment A fixed term
savings plan with an element of life cover. Your savings go
into an underlying fund of investments like shares and the
eventual return you get depends on the performance of these
investments. mortgage re uk mortgages
Unsecured loan
A loan for which you don t have to put up an asset,
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Finance News From Shakespeare Finance FSA s new
business plan boosts consumer morale Wednesday, 7 Feb
2007 bad credit mortgage re
The organisation has reiterated its commitment to a
principles based regulation London, 7th February, 2007: The
financial market is abuzz with the release of the FSA s
(Financial Services Authority) Business Plan for 2007-08. One
of the major programmes is to improve the financial capability
of the United Kingdom. broker mortgage re
Stephen Haddrill, director-general of the Association of
British Insurers (ASI) belives that the FSA s pledge
towards less prescription and standard principles for financial
service regulation will certainly be good news for
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He goes on to say that It is vital that consumers are
given the tools to make informed decisions about financial
services, particularly as we move towards the proposed new
pensions system. The proposed pension system was
highlighted in the pension bill that was released in November.
The Dept. for Work and Pensions has stated that the bill
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Shakespeare Finance News: Britons paying off their credit
card dues--Select-- 5 Years 10 Years 15 Years 25 Years Finance
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Finance News From Shakespeare Finance Britons paying off
their credit card dues Monday, 02 Oct 2006 bad credit loan mortgage re
As per the latest news reports, people of Britain are paying
off their credit card dues faster than ever. Perhaps the
Britons have understood the dangers of debt accumulation.
London (shakespearefinance.co.uk) October 02,
2006: According to the bank of England s recently
released data, people in Britain have started to pay off their
credit card bills faster than ever before. home loan mortgage re
In the month of August, payments exceeded the borrowings by
311 millions pounds. The total amount of credit card dues in
England has come down as well. It now stands at 55.4 billion
pounds. For expenses, people prefer the debit card to the
credit card now. According to economists, more and more people
are likely to cut down their credit card expenses in the near
future due to the high interest rate. Some people, it is to be
noted, are borrowing personal loan,
secured loan, unsecured loan, etc to pay off
their credit card dues. bad debt mortgage re
Awareness in the public about the dangers of debt
accumulation is said to be the chief reason for their paying
off the credit card debts. The recent rise in interest rate and
the strict lending criteria are said to be other reasons behind
the change in the customer behaviour. mortgage online re
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Finance News From Shakespeare Finance Proper
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01 Nov 2006 It has emerged that the factor behind ninety one
per cent of serious debts in UK is credit card. Ignorance of
how credit card agreement works is the main reason for it.
Personal loans, secured and unsecured, are recommended as
alternative for credit cards. certification mortgage re self
London (shakespearefinance) 01 Nov 2006: It has been
announced by the Debt Counsellors that factor behind ninety one
per cent of serious debts in UK is credit card. In the wake of
this announcement Credit Action, National Money Charity has
emphasised on better education for consumers on personal
finance. loan mortgage re
Associate director of Credit Action, Chris Tapp said,
Consumers are still lacking understanding of how a credit
card agreement works. He also said that he thought
education was a massive need when it came to that. A lot of
people still didn t understand what they were doing when
they were spending on their credit card, he added. finance maryland mortgage re
Mr Tapp was also very critical of the advertising methods
employed by some credit lenders. He stated that consumers
received as many as twenty seven pieces of junk mail each
offering solutions to debt problems. loan mortgage re uk
Many experts recommend that opting for personal loan,
secured and unsecured, to meet their personal need, Brits can
avoid undertaking heavy burden. Personal loans work as a better
alternative for credit cards. cert mortgage re self
Latest Finance News: Borrowing rates to go up again--Select-- 5 Years 10 Years 15 Years 25 Years Finance
News - Shakespeare Finance
Finance News From Shakespeare Finance Borrowing rates to go
up again Monday, 25 June 2007 best mortgage re
Insiders point out that the base rate might be facing
another hike this season as key policy makers of the monetary
policy committee (MPC) voted for an increase.
Insiders point out that the base rate might be facing
another hike this season as key policy makers of the monetary
policy committee (MPC) voted for an increase. mortgage re
25th June, 2007: If recent reports are to be believed, it
seems four out of nine members of the Bank of England s MPC
seem to have voted for an increase earlier this month. This may
well bring the borrowing cost to around 5.75 per cent.
Financial experts are convinced that a likely base hike might
well be on the cards as even the bank s governor, Mervyn
King seems to be all for it. bad credit mortgage re uk
If this deal does go through, it will be the fifth time that
the Bank of England has decided to raise its rates since August
2006. For borrowers, this certainly isn t happy news. An
increase in the base rate will mean corresponding increase in
the interest rates for secured loans, as well as unsecured
loans. french mortgage re
The minutes give the impression that for some of the
other MPC members it was a question of when to raise interest
rates again rather than if. says Global Insight s
chief UK and European economist Howard Archer. According to
him, there is a possibility that the interest rates will reach
six per cent before the end of the financial year. mortgage re uk mortgages
Shakespeare Finance News : Britons are keen on home
improvement investment--Select-- 5 Years 10 Years 15 Years 25 Years Finance
News - Shakespeare Finance
Finance News From Shakespeare Finance Britons are
keen on home improvement investment Tuesday, 27 June
2006 mortgage re uk mortgage
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