The Thrifty Scot » News LoansWelcome to The Thrifty Scot financial help site. Look through our credit cards, loans mortgages, savings and insurance sectionsGovernment thinking of voucher scheme to help with energy costs- (Found September 22, 2008 ) As any bill payer will know the cost of energy has soared over recent months. Energy companies put the price of gas and electricity usage up by a considerable amount at the start of this year, and more recently the large suppliers have completed another fresh round of price hikes, ...http://www.thriftyscot.co.uk/092008/government-thinking-of-voucher-scheme-to-help-with-ene... Situation gets increasingly worse for first time buyers- (Found September 22, 2008 ) According to a recent report the situation for first time buyers trying to get onto the property ladder in the UK has become worse than ever, with a whole host of problems standing in their way of becoming homeowners. Would be first time buyers have already suffered problems over recent years ...http://www.thriftyscot.co.uk/052008/situation-gets-increasingly-worse-for-first-time-buyer... Credit unions could help those looking for cheap finance- (Found September 22, 2008 ) The ability to get affordable finance has really diminished over recent months as a result of the global credit crunch, which has resulted in poor credit conditions and reduced access to finance. Many people have found that getting an unsecured loan through their bank is now too expensive, or in some ...http://www.thriftyscot.co.uk/052008/credit-unions-could-help-those-looking-for-cheap-finan... Overdraft more popular due to restricted access to loans and credit- (Found September 22, 2008 ) According to a recent report the restricted access to loans and other forms of credit such as credit cards, which has stemmed from the global credit crunch, has resulted in the popularity of overdraft facilities increasing. More people are now turning to their overdrafts in order to fund their financial needs ...http://www.thriftyscot.co.uk/062008/overdraft-more-popular-due-to-restricted-access-to-loa... Optimism levels hit 25 year low- (Found September 22, 2008 ) According to a recent report optimism levels amongst consumers in the UK have fallen to their lowest in 25 years, with many people now pessimistic about the economic outlook for Britain, which has highlighted the rising risk of recession. The results came from a recent survey of over two thousand people, ...http://www.thriftyscot.co.uk/062008/optimism-levels-hit-25-year-low.html Doorstep lenders could spell financial misery- (Found September 22, 2008 ) Industry officials are warning borrowers who are thinking of turning to doorstep lenders in a big to try and get the finance that they need to think twice, as these extortionate loans could spell financial misery for those with limited incomes. Many people now find it difficult to get finance from ...http://www.thriftyscot.co.uk/072008/doorstep-lenders-could-spell-financial-misery.html Many turning to payday loans to boost finances- (Found September 22, 2008 ) In the past many people that were struggling with finances and wanted to give themselves a little financial boost often applied for a credit card or in some cases a personal loan. However, the global credit crunch has seen credit conditions become far tighter, and many are now unable to ...http://www.thriftyscot.co.uk/072008/many-turning-to-payday-loans-to-boost-finances.html Home improvements now cost far more- (Found September 22, 2008 ) Many homeowners in the UK have decided to carry out improvements and adaptations to their existing properties according to a recent report, and this is for a number of reasons. Some have found that they cannot sell their homes due to the current climate, some do not want to sell ...http://www.thriftyscot.co.uk/072008/home-improvements-now-cost-far-more.html Building society lending slumps- (Found September 22, 2008 ) According to a recent report building society lending levels slumped in May, and industry officials predict that it could remain slow for some time, largely as a result of the slowing housing market. The data comes from the Building Societies Association, which shows that lending from building societies came to ...http://www.thriftyscot.co.uk/082008/building-society-lending-slumps.html Lenders fail to carry out proper checks on many borrowers- (Found September 22, 2008 ) According to a recent report many lenders are failing to carry out adequate checks when it comes to proof of income from applicants looking for unsecured finance. Officials state that lenders are taking huge risks by doling out finance without first doing the property check when it comes to verifying the ...http://www.thriftyscot.co.uk/052008/lenders-fail-to-carry-out-proper-checks-on-many-borrow... |