Corporate consolidation loans – what to look for?



If you use a private loan to pay off all or part of it in the case of a student loan, you will no longer be able to deduct interest payments with benefits such as deferment.

Purchase financing

Purchase financing

Purchase financing depends on whether it is a desire or a need. If you intend to take out a loan from a private loan, paying the seller in cash may be a better form than financing by the seller in the form of a loan. You should never make financing decisions on the spot, but it’s a good idea to ask the seller about the offer and compare it with what you can get through personal loans. Then you can decide what is the best choice in this case.

Payment for a wedding

Payment for a wedding

Any major event – such as a wedding – qualifies if all related fees are placed on your credit card and cannot be repaid within a month. Personal loans save significant amounts on your interest costs, provided they have a lower rate than your credit card.

Credit improvement

Credit improvement

Personal loans can help you improve your credit score in two ways. First, if your credit report shows credit card debt, personal loans can help you mix your account. If you have different types of loans, this is good for getting a better result.

Secondly, it reduces the loan utilization ratio – the total loan amount that is used in relation to the credit limit. The lower the loan amount, the better the rating. Having a private loan increases the total amount that is available for use.

Circumstances for taking a loan

Circumstances for taking a loan

Personal loans can be very useful in the right circumstances.

CreditCole offers its clients a cash loan with a fixed installment guarantee for the duration of the loan. The bank does not require an account or insurance, although opting for additional products can help in obtaining better price conditions.

Cash loan is a standard CreditCole loan product. The Bank’s offer includes a well-recognized Prostoliczony Loan, which is distinguished by a fixed monthly fee for every $ 1,000 net that has been borrowed.

Money and relationship. How to reconcile it? 5 proven ways

Finding the balance between money and love is usually extremely difficult. Although we often hear that money does not bring happiness, we know perfectly well that they are the standard and lifestyle of every human being. The situation becomes even more complicated when we have to learn to manage and respect not only our own, but also the money of the partner. Many couples are reluctant to discuss the subject of joint finances, which ultimately leads to frequent quarrels and problems. To prevent this from happening, there are a few best practices to manage your shared budget.


1. Knowledge of the partner’s expectations and beliefs

money loan

Managing and planning shared expenses and savings can prove to be a real path of torment if we don’t know the partner’s approach to financial issues. Each of us has some habits and beliefs about home finances. When planning a shared future, it is worth getting to know the partner’s expectations and possibilities related to earning and spending money.


2. Common financial goals

2. Common financial goals

Talking and setting common goals (including financial goals) are the absolute foundations of a successful relationship. Analysis of the current situation related to the earnings and expenses of both partners will allow you to take appropriate steps that will allow the implementation of joint plans and dreams. A good idea might be a finance schedule, by which it will be possible to collect money for joint holidays, renovations, purchases or larger investments, such as buying a flat or a car.


3. Honest conversations

money loan

Open and honest conversations about joint finances should not be taboo. The more often we ask a partner what he thinks about personal and joint finances, the greater the chance of a successful relationship. Talking about money is usually difficult, so remember to listen carefully to your partner’s opinions and not jump to conclusions. All issues related to joint finances should be well discussed before we make any decisions. In addition, every self-respecting couple must know that honesty in a relationship is key. Hiding from the partner any expenses financed from the common budget heralds an imminent catastrophe.


4. Adjusting living standards to earnings

money loan

The ability to adapt your lifestyle to your earnings is a challenge these days. Most of us dream of a well-paid job that would allow us to implement all plans and live at the highest level. Unfortunately, not everyone can boast of such a good income. Often, even joint savings do not allow you to meet your goals, so you should wisely define your requirements. If you can’t afford a luxury car or elegant furniture, you can think of slightly cheaper solutions or temporarily postpone some expenses. It is much easier to do without a sofa with a massage function, than with a view to giant installments of credit, taken out of mindless whims.


5. Avoiding debts

5. Avoiding debts

Loans and credits give you the opportunity to finance every purchase, but applying for it is not always a wise move. Of course, every decision to incur joint debt comes down to financial goals. There are needs that make sense and for which you should think about a loan (e.g. buying an apartment or investing in your own business). Sometimes life itself requires us to take such steps due to sudden illness or other unfortunate accidents. Nevertheless, sometimes it is better to delay your purchase, save and pay in cash instead of charging yourself with any debt. In addition, in the case of joint financial obligations, mutual trust is necessary, and in the event of financial problems of one of the partners, it is necessary to take independent responsibility for the debt.

Quarrels and quarrels about money affect almost every pair. Nurturing a solid relationship takes time and work. Joint finance is an important and often problematic issue, but properly planned should not be a source of problems, but the ability to meet specific goals. Joint talks, decisions and compliance as to managing the home budget is a prerequisite if we care about good relations with the partner.

How much does the school layette cost? Where to get money and how to save? – Loans

The new school year is getting closer, and hence higher expenses for school layette. September means the need to buy school supplies, new clothes and books. And if your child goes to first grade or changes school, expenses are even higher. Check how much money you need to buy your child.

How much does the school layette cost?

How much does the school layette cost?

Buying a child for school is one of the biggest expenses during the year. And if you have two or three school-age children, the costs may exceed your monthly income. See what expenses you have to incur and plan your budget before the first school bell rings.

One of the expenses is a backpack or bag, prices range from 30 to 150 GFI. The cost of the pencil case with accessories (pens, rulers, crayons) is GFI 50 -100. The notebooks are 22 – 50 GFI. A sandwich box and a thermos flask cost around GFI 70. A big load can be sports clothing, consisting of shoes, pants, two t-shirts cost from 100 to 400 USD.

Plastic articles are another 30-50 USD. The cost of the entire layette can be estimated within 300 -820 GFI for each child. Last year, the average cost of a child’s layette was GFI 903.

How to cover school expenses?


In the 2018/2019 school year, it is possible to reduce some of the costs for school layette. The “Good Start” program is a benefit of GFI 300, which you can receive for a child under 20 years of age. The program does not include students, post-secondary school students, and also thanks to going to kindergarten and kindergarten.

Applications can be submitted until November 30. Another reduction in school costs are free textbooks and exercise materials for students in classes I, IV and VII. If you choose a cheaper product and take advantage of the promotions offered by stores, you may be able to cover the costs of the layette from the “Good Start” program.

Prefer better quality products


However, if you wait with the last minute shopping or prefer better quality products, a government benefit is not enough to cover expenses. You can cover the excess costs with the help of Quick Loans available to new customers for free, call us or visit one of the Good Finance branches.

Simulation of a purchase of Credit online (Guide and tutorial).

What is credit redemption?

What is credit redemption?

Credit redemption is defined as the merging of all loans contracted into one. In the end, this results in a single monthly payment, considerably reduced, offered at a single rate. This greatly reduces the burden of burdens on the household budget. The latter can then once again stabilize its financial situation, or even invest in new projects. The online bank Uno, a subsidiary of Conccord Bank and the Millian group, specializes in consumer loans and loan redemptions. She also studies requests for mUno. You can perform an online loan consolidation simulation on Uno. This will give you an indication of your new monthly payment.

In order to simulate your credit restructuring, two options are possible:

  • go directly to the introductory page of the simulator Uno.
  • follow the steps leading to the simulator from the Uno homepage

For this second option, open the Uno site. On the home page, select ” Credits “, the second choice in the menu bar.

Excerpt from Uno official website

By clicking on ” Credits ” or on the arrow / triangle to the right of ” Credits “, you open the corresponding drop-down menu

Select ” Credit Consolidation ” or click on the link below ” Discover Credit Consolidation “. This leads you to a page explaining the benefits of buying back credits. You have to go to the bottom of the page in the section ” How to make a grouping of credits ? »Then on the link: oney redemption
You finally get to the introductory page of the simulator. If you are not a customer at, click on ” Next step ” in the ” New customer ” column. If you have an Uno account, choose the right column ” Already a customer ” and log in, either with your username or with your email address. Validate in both cases by clicking on ” I connect to the customer area “.

Beforehand, take into account all the remaining deadlines and balances due from your credits in order to be able to fill it in the form to be completed which consists of four steps: ” Your situation “, ” About you “, ” Your budget “, ” Our answer “.

In the first step entitled ” Your situation “, you must provide information on ” Your credits and expenses ” and ” Your need for additional cash “. Indicate in ” Type of credit ” – ” Specify the type of credit ” if it is a credit car, boat, real estate, personal loan, revolving credit… Choose the bank with which the credit was subscribed in the drop-down menu by clicking on ” Specify the establishment “. Fill in all the fields leaving the box ” I want this credit to be bought back “. If you do not want it, uncheck the box. You can add additional credits or withdraw the last saved credit by clicking at the bottom of the form on the link ” Add additional credit ” or ” Withdraw this credit “. Do not forget to confirm via the ” Continue ” button.In the second step ” About you “, you must fill in all the fields; these concern ” Your details ” ( your personal data ), ” Co-borrower “, ” Your current home “, ” Your family situation “.
If you have a co-borrower, indicate ” Yes ” and complete their personal information.
Do not want to receive commercial solicitations from Uno or its partners by email? Check the ” No ” boxes in ” Stay informed of our offers and news “. Click ” Continue ” to progress in the form.

The third step ” Your budget ” contains the details of your professional situation (” Your profession “). Specify, for example, whether you are a student, on fixed term, temporary, permanent contract… Register ” Your monthly income ” then click on ” Continue “.The last and fourth step ” Our answer ” validates the transmission of your form to the CFC partner, specialist in pooling credits, from Uno.

This form ( online simulator Uno ) has no contractual value since it is simply an estimate. The latter must be the subject of an in-depth study with a CFC expert. You receive an answer quickly. Know that with the simulator Uno, you can consult the progress of your file with your identifiers at any time.


How to recover money in the UK

We usually write what to do when we have debts that we cannot get out of. This time, however, we will present the opposite. So what to do if a person or company is behind us money. For example, how to recover money from an employer in the UK? Or bank account fees.

Borrowing money always involves some risk. Our debtor, due to bad will or independent circumstances, may not give them to us. It can be an employer, but also our colleague or even a family member. We also often wonder how to recover money from a pension or for keeping an account.


General rules for debt recovery

General rules for debt recovery

There are many types of debts. We can demand a refund for low-priced goods from the store or payment for a multi-million contract. The basic issue is evidence. It is on their basis that we can assert claims. If the debtor is a contractor, it is very important to draw up an appropriate contract, as well as with the client. When it comes to large amounts, it is worth investing in legal aid. In the event of dishonesty of the other party, the amount spent on a lawyer can quickly pay back. When it comes to smaller amounts, such as purchases, we always keep the transaction confirmation. Remember that in the event of a court hearing, we must prove to the judge that someone should give us the money. It will be very difficult or even impossible without a receipt or contract. Therefore, the larger the amount, the better we secure it.


What if I don’t have a receipt or contract?

money loan

In a situation where you do not have direct proof of the transaction or the conclusion of the contract, you can try a different path. You have the option of, for example, correspondence with a contractor or online store. Remember that as a consumer you are particularly protected by UK law. If the goods do not meet your expectations, most stores do not have problems returning it. However, it happens differently. In this situation, you can ask for help from Council Trading Standards. It is the office that protects your rights and assists you in the dispute with the seller. Sometimes they can even lead him on your behalf.


Check if the company is subject to good practice

home loan

In addition to legal standards, some industries have their own ethical codes. And they are also subject to them. It may therefore be that they will have to resolve the dispute with you, on terms that are more favorable to you. For example, you can count on free help or simpler rules than on a regular court path. You don’t have to worry if you feel injured as a result of internal industry regulations. They are not binding on you. You can still apply for a refund in the standard way in court.


What if you can’t recover debt amicably?

What if you can

If all efforts and attempts at agreement fail, you must go to court. If the amount of debt is less than 10 thousand pounds, the case will be conducted in a small claims procedure. That is appropriate for small claims. In this mode, you cannot count on getting your money back into legal aid. So most lawyers will not want to represent you on a no-win, no-fee basis. It means that you pay a fee only if you win. The advantage, however, is that this mode is much more accessible to a person who has little knowledge of the law. You can count on the help of court employees. They may not give you legal advice, but they can help you fill out the relevant documents. And that’s a lot. Especially when you have strong evidence.


Citizen Advice Bureau

financial loan

If you are not satisfied with the instructions on how to complete the documents and what steps to take, you can contact the Citizen Advice Bureau. They will help you with your case. However, remember that when you bring a case to court, you have to take into account court fees. You can apply for a refund if you win the case. You can apply for a fee waiver if you are on a low income or if you receive appropriate benefits. If you have funds, you can also use Polish-language legal assistance.


How to recover money from the employer in the UK?

How to recover money from the employer in the UK?

Remember that not all debts can be recovered in court. You can’t do this, for example, with gambling receivables. However, if your debtor is an employer, you have a different path. Employment Tribunal deals with this type of case. The good news is that in this case you are exempt. However, before taking any steps, it is worth considering why our debtor does not pay us or gives us the money back. If it results from his difficult financial situation, it may turn out that we will not recover the amount due. In that case, we’ll spend money and even if we win the case, we won’t get anything.


You can recover money for keeping an account

credit loan

As it turns out, large and well-known institutions can also be dishonest. For example, banks. Well, they had a very bad practice of setting up paid accounts for people who do not want or need it. Some years they paid several or a dozen pounds every month. As the Supreme Court and the FOS ruled, it was an illegal practice. These institutions forced banks to give back unlawfully collected money. If you have paid for years, you can get a good sum of it.


Common sense above all

credit loan

The best advice we can give is to do everything to avoid going to court. It is therefore wise to choose contractors or principals. Buy in trusted stores that have a good reputation on the Internet. Of course, it is not always possible to predict everything. Sometimes, someone who inspires our trust turns out to be dishonest. That’s why you should always protect yourself properly. Especially when we buy somewhere or do business with someone for the first time. An honest man is unlikely to object when we want to enter into a written contract. Let’s also remember to have other evidence of the work done. For example photos or witnesses. Always keep proof of transaction for purchases, especially for higher amounts. Because, as we have already written, you will have to prove the validity of the debt in court, and not the debtor with your innocence.

Renewal Credit Purchase

What is a consumer credit ? This term used by credit organizations includes conventional loans ( loans to carry out work, loans to finance a vehicle, loans to develop its interior … ) and renewable credits ( credits that are renewed automatically when the reserve of money borrowed is refunded as credit cards offered by the majority of department stores ). When a consumer contracts too much consumer credit, he is quickly overwhelmed by debts. How to get out?

The repurchase of revolving loans: why?

The repurchase of revolving loans: why?

As mentioned earlier, revolving credits are credits granted to consumers to finance purchases . This type of permanent credit (also called revolving credit) is most often associated with a credit card (or the loyalty card). The consumer therefore has a cash (from USD 500 to USD 5000) to finance his purchases that he can use in whole or in part . The principle of revolving credit is to permanently leave a sum of money to a consumer. In fact, since the amount borrowed has been repaid, the cash is available again.

Consequences of an accumulation of revolving credits

Consequences of an accumulation of revolving credits

Accumulating too many revolving credits can quickly make you dive into the infernal spiral of overindebtedness . Your monthly debts become, little by little, more important than your resources. Consequence: your bank account is in the red. We must react quickly before the situation escalates!

 The repurchase of revolving credits is a solute that will allow you to find a good financial balance .

The repurchase of revolving credits: how does it work?

The repurchase of revolving credits: how does it work?

Group the loans contracted with the various creditors to make one; here is the basis for the redemption of credits. Here, the credit institution (or the banking institution) offers you to take over all your revolving credits.

In theory, how does the purchase of revolving credits work? To explain how it works, we decided to list the path.

  1. The financial advisor analyzes your debt ratio (ratio between resources and debts).
  2. The financial advisor analyzes your current credits (revolving credits as conventional credits).
  3. The financial advisor prepares a balance sheet of the situation and calculates the total amount remaining due to the various revolving credit institutions.
  4. If the file is admissible, the financial advisor offers several offers to buy credits with different monthly payments and durations. The financial advisor can also offer you cash to settle your outstanding payments or finance a new project.
  5. The applicant analyzes the various offers. Tip: do not stay fixed on the amount of monthly payments. Take the time to compare to choose the most advantageous offer.
  6. The applicant accepts an offer by signing.
  7. The financial advisor has all outstanding credits. The applicant has only one credit with a single monthly payment .

Expert View: Real Estate Broker’s Sale

This text is a special collaboration of Sean Cole, real estate broker of the real estate agency Good Finance.

So, you want to sell your house? The decision seems to be very simple, right? In many cases, this is true. But, as a real estate broker I often meet people who are coming into a sales situation who are not always satisfied with the results.

Realistic selling price


My role as a real estate broker is not only to help the seller establish a realistic selling price. My mandate is to guide my clients, to prepare them for the sales process in order to help them make good decisions regarding real estate.

I engage my clients in a conversation to determine the appropriate course of action for their particular situation. Here’s an essential question that every homeowner should consider before putting his house up for sale:

What are my reasons for wanting to sell my house?


It’s not always a good decision to sell your house. Yes, I said it! I know this notion is a bit far-fetched from a person whose career is based on buying and selling houses between people.

But the interests of my customers are important to me, so we must be able to identify the reason behind the desire to put his home to sell. Selling your home should not be rushed because being a homeowner is usually not the problem. In some cases, you can achieve better results by choosing a strategy other than going through the sales process.

Situation example # 1

Imagine that you had a new family member. Perhaps a new baby or relative coming to live in your home? The house is not big enough! Still, you like the house and the area in which you live. Before you put your house up for sale, ask yourself if it would not be more advantageous to add a room and undertake renovations to enlarge and adapt your home to your new needs. In addition there are plenty of new credits for renovation in Quebec!

Situation example # 2

Or maybe you have intolerable neighbors. These problems could be solved with a constructive discussion. So try before leaving the neighborhood. Talking about it is much easier than embarking on filling boxes (and certainly less expensive!).

Do not waste your energy and time


There is no doubt that there are innumerable situations that deserve the sale of a home. In truth, an owner can apply his right of sale to his sandstone. However, try to be wise so that you do not waste your energy and time – and those of your broker – without considering all the alternatives that are right for you.

Private loans – what is worth knowing?

Are you thinking of getting a private loan? However, you do not know exactly how it is granted and is the solution worth your attention? If so, you’ve come to the right place. We are pleased to present you an article in which you will learn all the necessary information. Certainly, after reading it carefully, you will receive the answer to the questions that have arisen so far.

Private loan – a big help when in great danger

Private loan - a big help when in great danger

Private loans have for years been one of the most popular forms used by those in need. This alternative has always been used mainly because it is the cheapest option available on the market. Borrowing money from your closest friends or family is an interesting solution if the current financial situation requires a quick cash injection. Nevertheless, one should not look in this way of getting money only advantages and look at the offer of private loans through pink glasses. After all, the entire transaction, as well as each of the individual stages, if we do not properly focus on the terms of the contract, carries many dangers, both for the two parties and the entire relationship that connects them. A private loan is characterized by specific elements that are increasingly used by people with additional savings. For example, if you apply for a loan from a bank or institution that provides this type of product, it is impossible for the whole process to be carried out successfully without signing the contract. A private loan, without a written agreement between the parties, therefore poses a huge threat to the lender in particular.

In addition, nowadays, instead of relatives and relatives, people who are interested in “investing” their free funds in the borrower’s priority goals are virtual investors and individuals who can boast of free capital, which they simply intend to increase. These persons guarantee cash for a written agreement containing a reimbursement guarantee. The most common security they use is to protect their goods in the form of a promissory note or real estate.

Private loan – the simplest form for a quick cash injection

Private loan - the simplest form for a quick cash injection

Many people who apply for a bank loan are increasingly being denied. Thanks to the option guaranteed by a private loan, you do not have to worry that the lack of a successful decision in a bank or other institution is the end of your dreams of achieving your goal or paying off the debt. In the twenty-first century, on the market, you have the opportunity to find offers of private investors and para-bank institutions that will definitely present their offer to you.

The services they offer are usually also addressed to people in debt with database entries. Admittedly, private loans are associated with a high risk, but certainly, their huge plus is the public availability and simplicity of applying for an additional injection of the necessary cash at the moment.

Is the entry in the database checked when applying for a private loan?

Is the entry in the database checked when applying for a private loan?

Many customers interested in this type of service often ask this kind of question. A private loan is a form of additional cash injection in need without worrying about it being granted due to the unfavorable situation of database. It is within the reach of anyone interested, regardless of social status, gender, age, income or the presence of data in the national database registers. However, when deciding on this type of loan, you must take into account the dangers it entails before signing.

Private loans are a non-bank product which, to a large extent, is offered by individuals, online investors and companies who can boast of a sum of savings. This form allows you to increase your lender’s capital. Research shows that the granting of a private loan and interest rate pays off much more than investing your money in investment in securities or any type of bank deposit. Private loans for promissory notes or pledges, provided that you sign a meticulous agreement, are a great way to get rich for individuals.

On the other hand, the advantages for borrowers who are interested in applying for a loan are, among others: a high probability of positive consideration of the application and a chance to quickly repay their current debt.

In addition, private investors do not check database entries. The former are not authorized and do not have access to the database, while the second list is generally available, however, most people declare that they do not decide on such steps. What’s more, private loans do not require you to show your monthly income or the number of dependents and your monthly living costs.

The fact that all formalities are limited to the bare minimum is also a great help. However, it is worth paying attention to what we sign and decide to read the contract. Private loans are a great solution for people in debt, which does not change the fact that their receipt involves some risk. Before making a final decision, all pros and cons should be considered. If you have any questions or concerns, be sure to contact our specialists. If you are interested in getting a private loan, check our offer and see how many amenities we have managed to prepare for you. We hope that our cooperation will ultimately prove fruitful for both sides. We have already been trusted by many satisfied users who, thanks to our help, were able to achieve their priority goals and pay off their obligations. Let us help you too!