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	<title>Credit Cards Loans and Mortgages UK</title>
	<link>http://www.creditmarket.co.uk</link>
	<description></description>
	<lastBuildDate>Mon, 29 Sep 2008 13:46:40 +0000</lastBuildDate>
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	<language>en</language>
	
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		<title>Get a Quote for Cheaper Life Insurance</title>
		<description><![CDATA[With the cost of living on the rise it&#8217;s important to make sure we&#8217;re not paying to much for the essentials.
Most people with a mortgage have life insurance to clear the mortgage in the event of their death so that the family does not have to sell the house to pay off the mortgage as [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/get-a-quote-for-cheaper-life-insurance.htm</link>
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		<title>Moving a Mortgage from Northern Rock</title>
		<description><![CDATA[A few weeks ago, Northern Rock announced they were not going to be offering their existing mortgage customers a new mortgage when they&#8217;re current offer came to an end.
Instead, existing customers were offered products from the Lloyds TSB range.
This may well suit a number of people but there is every possibility not everyone with a [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/moving-a-mortgage-from-northern-rock.htm</link>
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		<title>Low Rate Fixed Rate Mortgages</title>
		<description><![CDATA[Low rate fixed rate mortgages are becoming available once more with several lenders reducing rates more than once in recent weeks.
Following a recent spate of rate reductions borrowers can now access a low fixed rate mortgage at just 4.69%.
This low rate offer does however have a downside. The arrangement fee is 2.5% of the loan [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/low-rate-fixed-rate-mortgages.htm</link>
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		<title>Things are Looking Up for Buy-to-Let</title>
		<description><![CDATA[In the space of a few months news reports have signaled the death of the Buy-to-let market, continuing gloom and doom and significant losses for recent would-be landlords.
But the grey clouds have a silver lining.
Most Buy-to-let properties are purchased using an &#8216;interest only&#8217; mortgage. What this means is only the interest is repaid and the [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/things-are-looking-up-for-buy-to-let.htm</link>
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		<title>Rates Drop but For How Long?</title>
		<description><![CDATA[It&#8217;s only been a matter of days since several mortgage lenders announced a drop in their rates but a number of consumers are likely to be annoyed at the circumstances which may have led them to secure a mortgage in recent weeks at a rate which puts them out of pocket compared to one they [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/rates-drop-but-for-how-long.htm</link>
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		<title>Interest in Unemployment Insurance is on the Rise</title>
		<description><![CDATA[As a knock on effect of the uncertain times we are facing in the UK the most widely advertised price comparison website Moneysupermarket.com has reported a 15% increase in the number of visitors to its Accident, Sickness &#038; Unemployment insurance section.
This may be a the result of a portion of the UK population losing faith [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/interest-in-unemployment-insurance-is-on-the-rise.htm</link>
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		<title>Financial Doom and Gloom but Rates are Coming Down</title>
		<description><![CDATA[Everywhere you look at the moment the news is full of portents of financial doom. The word &#8216;recession&#8217; has even been used in some instances.
The cost of living is on the increase at a hefty rate of knots due to oil and food price rises and the UK public is being warned to prepare for [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/financial-doom-and-gloom-but-rates-are-coming-down.htm</link>
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		<title>Longer Term Fixed Rate Mortgages are Flavour of the Month</title>
		<description><![CDATA[According to a survey by Spicerhaart Financial Services  consumers are opting to fix their mortgage rates for longer.
Instead of choosing shorter term 2 or 3 year fixed rates in order to shop around more frequently for the best deal, borrowers appear to adopting a more cautious approach in light of recent rate rises by [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/longer-term-fixed-rate-mortgages-are-flavour-of-the-month.htm</link>
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		<title>Firstplus Homeowner Loans Wave Goodbye</title>
		<description><![CDATA[First Plus have announced they will cease lending to new borrowers on the 8th of August 2008.
Homeowner loans have decreased in popularity over recent months with rising rates and lenders reducing the maximum loan-to-value on their products.
Secured loans became more popular a few years ago when house prices started to take off.
Lenders were prepared to [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/firstplus-homeowner-loans-wave-goodbye.htm</link>
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		<title>House Price Drop Slows</title>
		<description><![CDATA[Last month house prices fell by just 0.9%, less then half the rate of last month according to Fionnuala Early, Nationwide&#8217;s Chief Economist. &#8220;Prices in June are now 6.3% lower than this time last year and have fallen 7.3% from their peak last October.&#8221;
Although the downturn has slowed prices are 6.3% lower than this time [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/house-price-drop-slows.htm</link>
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		<title>HBoS to Remain Competitive</title>
		<description><![CDATA[HBOS intends to retain a 20% share of the UK mortgage market following news that Abbey and HSBC have achieved a 25% stake through a recent surge in demand for their products.
Mr. Cammy Amaira, director of sales for IF (Intelligent Finance) said &#8220;HBoS wants to do one in five mortgages this year&#8230;.we want to have [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/hbos-to-remain-competitive.htm</link>
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		<title>Upward Rate Trend Continues</title>
		<description><![CDATA[Cheltenham and Gloucester, Norwich &#038; Peterborough, Lloyds TSB Scotland and Halifax have unsurprisingly increased rates on selected mortgage products.
Halifax, Lloyds and C&#038;G&#8217;s rates have risen by 0.3% and N&#038;P by 0.25%.
Lenders rates continue to creep ever higher as &#8216;swap rates&#8216; force the price of money ever upward.
Swap rates are directly responsible for LIBOR, the London [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/upward-rate-trend-continues.htm</link>
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		<title>Moneyback Bank Loan Rates Rise</title>
		<description><![CDATA[The Moneyback Bank unsecured loan Typical APR has risen today by 0.4% to 7.6% and the cost of borrowing less than £5000 from the same lender has shot up by 1.9% to 10.8%.
Also affected by LIBOR, the unsecured loan market has seen gradual rate rises over recent months but has failed to attract as much [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/moneyback-bank-loan-rates-rise.htm</link>
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		<title>MBNA Credit Card Extends 0% Balance Transfer Offer</title>
		<description><![CDATA[Once again MBNA&#8217;s credit cards the Platinum Plus Visa and Platinum Rewards Visa have had their 0% balance transfer offers extended.
A regular occurrence, the offer has been extended by 1 month this month until the 1st of August 2009. The 0% offer on purchases has also been extended by 1 month to the 1st of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mbna-credit-card-extends-0-balance-transfer-offer.htm</link>
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		<title>Inflation Predicted to Reach 4%</title>
		<description><![CDATA[The Governor of the Bank of England warned yesterday that inflation could rise to at least 4% towards the end of the year.
Learning to be more frugal and live with the rising cost of living is set to be on the agenda of every household in the UK.
The main culprits for the rise of inflation [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/inflation-predicted-to-reach-4.htm</link>
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		<title>Nationwide Building Society Rates Rise</title>
		<description><![CDATA[For the second time in a month Nationwide Building Society has increased mortgage rates across its range.
Earlier this month rates were available from a reasonably competitive 5.85% for a fixed rate deal. Now the lowest rate available is 6.35% (up to 75% loan-to-value), a rise of 0.5%. 
Borrowing over 75% loan-to-value now has a minimum [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/nationwide-building-society-rates-rise.htm</link>
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		<title>Are you good with money?</title>
		<description><![CDATA[We all like to think that we’re good with money and a new survey from CreditExpert, the online credit monitoring and identity fraud protection service from Experian, shows that 96 per cent of us believe we’re up to speed on our current financial position.
No interest in interest
The survey shows:
• 66 per cent of credit cardholders [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/are-you-good-with-money.htm</link>
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		<title>Borrowing Becoming More Expensive</title>
		<description><![CDATA[Loan rates are rising across the country with some of the former leaders in the low rate loan market now being found at the bottom of the comparison tables.
Northern Rock who have been consistently competitive for many years have recently upped their rate making to what is now one of the least competitive rates available. [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/borrowing-becoming-more-expensive.htm</link>
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		<title>National Savings and Investments rate changes</title>
		<description><![CDATA[
National Savings and Investments rate changes
25 July 2007 
National Savings and Investments (NS&#038;I) is increasing the interest rates on a wide range of its variable savings offers by up to 0.25% per annum. 
This increase follows the movement in the Bank of England base rate on 05 July 2007 which has a bearing on NS&#038; [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/national-savings-and-investments-rate-changes-2.htm</link>
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		<title>Trackers join the great disappearing act</title>
		<description><![CDATA[Drew Wotherspoon of John Charcol comments, “Unless you’ve been on the moon recently, you can’t have missed reports of the great fixed rate disappearing trick over the last few months. Many deals have come and gone in the blink of an eye giving borrowers little opportunity to take them up. That said, the current crop [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/trackers-join-the-great-disappearing-act.htm</link>
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		<title>Sainsbury’s Pet Insurance issues warning on pet obesity</title>
		<description><![CDATA[New research from Sainsbury’s Bank indicates that obesity is a serious problem affecting over a third (34%) of the UK’s combined cat and dog population. Sainsbury’s Pet Insurance estimates that around 2.72 million dogs and 2.87 million cats are suffering from obesity.
According to a research study carried out by the Chartered Society of Physiotherapy, some [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/sainsburys-pet-insurance-issues-warning-on-pet-obesity.htm</link>
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		<title>Latest floods - insurers dealing with claims as quickly as possible</title>
		<description><![CDATA[Insurance companies are dealing with policyholders who have been hit by the latest floods as quickly as possible the ABI (Association of British Insurers) has said.
Insurers are:
wherever possible contacting their customers in the post codes affected to see what help they can provide; 
drafting in extra staff to deal with claims; 
making arrangements to visit [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/latest-floods-insurers-dealing-with-claims-as-quickly-as-possible.htm</link>
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		<title>Worrying fraud trends - the rise continues</title>
		<description><![CDATA[At the end of June 2007, data provided by Members of CIFAS – The UK’s Fraud Prevention Service, continued to give cause for concern. Comparing the first half of 2007 with the same period in 2006, CIFAS Members have seen a sharp rise in most types of financial fraud.
Application Fraud (where fraudsters tell lies on [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/worrying-fraud-trends-the-rise-continues.htm</link>
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		<title>Nationwide launches US Dollar and Euro Tracker Premium accounts</title>
		<description><![CDATA[Nationwide International has announced that it will be launching US Dollar and Euro Tracker Premium accounts with effect from Wednesday 1 August 2007. 
The accounts will offer market leading interest rates on offshore, no notice foreign currency accounts.
The new accounts will be available to new and existing customers and will offer:
Market leading interest rates – [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/nationwide-launches-us-dollar-and-euro-tracker-premium-accounts.htm</link>
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		<title>Barclays launches pre-pay Travel Money Card</title>
		<description><![CDATA[Barclays has launched a new free and secure pre-pay chip and PIN card which can be used throughout the world at cash machines and anywhere VISA is accepted. 
The Travel Money Card is free to purchase and load with money from the equivalent of £100 to £2,500 and is available in British pounds, US dollars [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/barclays-launches-pre-pay-travel-money-card.htm</link>
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		<title>Launch of pre-paid card for employers to handle expenses</title>
		<description><![CDATA[Alliance &#038; Leicester Commercial Bank in association with MoneyCard Limited has launched a Visa Pre-Paid Card designed to pay employee expenses.
Making expenses payments to employees with a pre-paid card frees organisations from the risk of issuing company credit cards and the need to handle cash.
Pre-paid cards offer an alternative to difficult to manage petty cash [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/launch-of-pre-paid-card-for-employers-to-handle-expenses.htm</link>
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		<title>Holiday card fees hot up - costing shoppers £millions</title>
		<description><![CDATA[UK holidaymakers who are planning to use their credit card abroad this summer could be wasting hundreds of millions of pounds on unnecessary fees. 
Research from the Post Office shows that 49 per cent of UK holidaymakers plan to use their credit card to shop abroad, accounting for an estimated spend of around £9.4 billion.
But [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/holiday-card-fees-hot-up-costing-shoppers-millions.htm</link>
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		<title>Birmingham Midshires launches new fixed rate bond</title>
		<description><![CDATA[Birmingham Midshires, a leading provider of fixed rate bonds, has announced the launch of a new 1 Year Fixed Rate Bond. From today, savers will be able to secure an attractive fixed rate of interest at 6.40% gross/AER for a full year.
Birmingham Midshires’ 1 Year Fixed Rate Bond is unique to the marketplace in offering [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/birmingham-midshires-launches-new-fixed-rate-bond.htm</link>
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		<title>UK mortgage lending remains strong but shows signs of easing</title>
		<description><![CDATA[Gross lending reached a new May record of £30.6 billion according to data from the Council of Mortgage Lenders (CML).
The figure is up by 12% on April&#8217;s lending total of £27.4 billion and is 5% higher than the same month in 2006 (£29 billion). However, the rate of year-on-year growth is not as high as [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/uk-mortgage-lending-remains-strong-but-shows-signs-of-easing.htm</link>
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		<title>Homeowners to spend £56m on gardens this summer</title>
		<description><![CDATA[The majority of homeowners who have gardens (92%) will be spending a staggering £56million on their gardens over the next three months, with one in ten homeowners spending in excess of £500 according to a survey by esure home insurance. The value of household contents will increase as a result and as the longest day [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/homeowners-to-spend-56m-on-gardens-this-summer.htm</link>
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		<title>Insurance price comparison controversy is missing the point</title>
		<description><![CDATA[Insurance comparison website Insurancewide.com argued today that industry experts are missing the point in the controversy about comparison websites sparked by the new Direct Line advertising campaign. 
“The focus of industry debate about price comparison websites has largely ignored the fact that price is not the only issue when directing customers to the best insurer [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/insurance-price-comparison-controversy-is-missing-the-point.htm</link>
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		<title>Free banking at the touch of a button</title>
		<description><![CDATA[Banks are on course to put &#8216;hole-in-the-wall&#8217; machines into Britian&#8217;s poorest areas.
The initiative, spearheaded by Britian&#8217;s high street banks, will see more than a million customers, who currently have to travel or use machines for which there is a charge, able to access their money free the British Bankers&#8217; Association said today.
Angela Knight CBE, chief [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/free-banking-at-the-touch-of-a-button.htm</link>
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		<title>Use the smoking ban to take years off your mortgage</title>
		<description><![CDATA[With just over a week to go until smoking in enclosed public spaces is banned, Charcol.co.uk is urging anyone already considering using the ban as a catalyst to giving up smoking to also think of the financial benefits as additional motivation. Someone with a 25 year repayment mortgage could save over £29,000 in interest and [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/use-the-smoking-ban-to-take-years-off-your-mortgage.htm</link>
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		<title>Top six credit rating myths</title>
		<description><![CDATA[Modern life depends on our ability to borrow – but what we think contributes to that crucial credit rating and what actually matters are two very different things, as new research from CreditExpert, the credit monitoring and identity fraud protection service from Experian, shows.
With personal debt in the UK hitting an all-time high of £1.3 [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/top-six-credit-rating-myths.htm</link>
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		<title>Protect yourself from the TK Maxx hackers</title>
		<description><![CDATA[If you’ve shopped at TK Maxx since December 2002, your credit or debit card data could have been stolen in the world’s biggest hacker attack. 
At least 45.7 million payment cards have been compromised and criminals could be using the account information to run up debts in the names of millions of innocent people.
If you [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/protect-yourself-from-the-tk-maxx-hackers.htm</link>
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		<title>National Savings and Investments rate changes</title>
		<description><![CDATA[Investors can protect their savings against inflation with new issues of NS&#038;I&#8217;s (National Savings and Investments) Inflation-beating Savings Certificates. Following an increase in the yield on Index-linked gilts, NS&#038;I has announced it will increase the fixed rate of interest it pays, on top of the rate of the Retail Price Index (RPI), on its inflation-beating [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/national-savings-and-investments-rate-changes.htm</link>
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		<title>Equity release no longer a last resort</title>
		<description><![CDATA[The UK equity release market is entering a crucial stage in its development and will play a greater role in retirement planning, according to a new report from Defaqto.
However, the leading financial research company believes that consumer choice and confidence in equity release products is still limited by a lack of household names entering the [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/equity-release-no-longer-a-last-resort.htm</link>
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		<title>Boots launches private medical insurance on the high street</title>
		<description><![CDATA[Boots, the UK’s leading health and beauty retailer, has announced a partnership agreement with PruHealth to launch private medical insurance (PMI) in its 1,500 Boots stores. 
Recent research by Boots highlights that around 80 per cent of people believe they are precluded from taking out private health insurance due to its cost. In addition, 36 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/boots-launches-private-medical-insurance-on-the-high-street.htm</link>
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		<title>The dangers of the ‘school run’</title>
		<description><![CDATA[The school run can be one of the busiest and most dangerous times to be on the road.
New research from Sainsbury’s car insurance reveals that during the past five years, over 460,000 people claim to have been involved in an accident during the school run whilst they had a child in their car. The bank [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/the-dangers-of-the-school-run.htm</link>
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		<title>Cost of running a home rises by 12%</title>
		<description><![CDATA[The annual cost of running a home is now around £11,035, according to analysis from Sainsbury’s Bank. This is as much as £1,199 or 12% higher than the equivalent cost in 2004/05 or a rise of £3.28 a day.
However, homeowners could dramatically reduce this cost if they are prepared to shop around for more competitive [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/cost-of-running-a-home-rises-by-12.htm</link>
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		<title>Big price gap opens up in the energy market</title>
		<description><![CDATA[A big price gap has opened up between those suppliers who have announced or implemented price cuts and the two smallest suppliers, who have yet to make any announcement, according to research by energy regulator Ofgem.
Dual fuel customers with EDF Energy could save up £140 and those with Scottish Power could save up to £122 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/big-price-gap-opens-up-in-the-energy-market.htm</link>
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		<title>Improve financial advice without additional burdens</title>
		<description><![CDATA[Most people ask their friends and family or go to the web for money advice a new online poll for the British Bankers’ Association reveals.
Banks and post offices come next with the weekend media providing more valued information than independent financial advisers, television adverts or the Financial Services Authority.
The British BBA’s survey co-incides with the [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/improve-financial-advice-without-additional-burdens.htm</link>
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		<title>Lloyds TSB is official Airmiles partner</title>
		<description><![CDATA[Lloyds TSB and AIRMILES, the UK&#8217;s leading retail loyalty scheme, have announced a new partnership. 
From 1 June 2007, Lloyds TSB will become AIRMILES&#8217; official financial services partner, providing it with exclusive rights to offer Airmiles to its customers.
New and existing customers will be able to gain more rewards than ever before, as Lloyds TSB [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/lloyds-tsb-is-official-airmiles-partner.htm</link>
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		<title>NatWest launches new credit card travel reward programme</title>
		<description><![CDATA[NatWest has announced that it is launching a new travel reward programme. It has joined forces with ebookers, one of Europe’s largest online travel agents and secured the first ever reward deal with easyJet. The YourPoints programme will replace the Bank’s 19-year old relationship with the AIRMILES scheme from June. The airline and travel industry [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/natwest-launches-new-credit-card-travel-reward-programme.htm</link>
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		<title>Barclaycard Breathe Helps Customers go Green</title>
		<description><![CDATA[Barclaycard Breathe helps customers go green with 50 per cent of profits reducing carbon emissions. 
Barclaycard has announced plans to launch the first UK credit card that donates 50 per cent of its profits to give people across the country a greener card option. The Barclaycard Breathe credit card will see Barclaycard:
Donate 50 per cent [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/barclaycard-breathe-helps-customers-go-green.htm</link>
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		<title>F&#038;C calls for Government incentives to save</title>
		<description><![CDATA[Data published this week by the Office of National Statistics shows a significant fall in the household savings ratio.
According to the ONS the household savings ratio fell from 5.3per cent in the third quarter to 3.7per cent in the last quarter of 2006, the lowest level since the end of 2004. This data comes in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/fc-calls-for-government-incentives-to-save.htm</link>
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		<title>Newcastle launches new two year fixed rate mortgage</title>
		<description><![CDATA[Newcastle Building Society has added to its mortgage range with the launch of a new two-year fixed-rate mortgage at a market-leading rate of 5.22% until 30th April 2009. 
The product offers 95% Loan to Value (LTV) and is not subject to any higher lending charges up to 90% LTV. 
Key Product Details:
5.22% fixed until 30 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/newcastle-launches-new-two-year-fixed-rate-mortgage.htm</link>
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		<title>Alliance &#038; Leicester launches new fixed rate mortgage deals</title>
		<description><![CDATA[Alliance &#038; Leicester is launching a highly competitive new range of mortgages, which are available from Monday 2 April and include: 
Two Year Fixed Rate (rate reduced)
4.99% (7.2% APR) fixed until 30 April 2009, then Standard Variable Rate (currently 7.39%)
Customers can borrow up to 95% of the property value
Product fee - £999
Maximum loan - £250,000
Early [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/alliance-leicester-launches-new-fixed-rate-mortgage-deals.htm</link>
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		<title>Bradford &#038; Bingley launches range of 10-year fixed rate mortgages</title>
		<description><![CDATA[Bradford &#038; Bingley has launched a range of 10-year fixed rate mortgages that carry early repayment charges for the first five years of the mortgage term only. 
The range is ideal for customers looking for a highly competitive long-term fixed rate that offers them the flexibility to move penalty-free after five years if they need [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/bradford-bingley-launches-range-of-10-year-fixed-rate-mortgages.htm</link>
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		<title>Saga cautions drivers to hide car keys when in the house</title>
		<description><![CDATA[Over 50s expert, Saga Motor Insurance, has sounded a warning to the nation’s drivers after their research revealed that one in ten car owners still keep their car keys on a key rack visible from outside the house, making them an open target for thieves.
Saga’s study on attitudes towards key security shows that the most [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/saga-cautions-drivers-to-hide-car-keys-when-in-the-house.htm</link>
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		<title>Unnecessary emergency vet visits cost businesses £19 million</title>
		<description><![CDATA[British businesses are losing out to the tune of £19 million a year as workers take time off for unnecessary emergency vet visits.
According to new research by pet insurer MORE TH>N, over one in three pet owners (37 per cent) took time away from work to rush their pet to the vet, lying to their [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/unnecessary-emergency-vet-visits-cost-businesses-19-million.htm</link>
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		<title>Urgent action needed to lift millions out of fuel poverty</title>
		<description><![CDATA[The National Consumer Council (NCC) and energywatch recently warned the government and the energy industry that time is fast running out to eradicate a Victorian affliction that still haunts our affluent 21st century society. 
While all eyes are on the government’s imminent energy white paper, and its big-picture plans for future energy policy, almost four [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/urgent-action-needed-to-lift-millions-out-of-fuel-poverty.htm</link>
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		<title>Threats to free banking have delayed OFT ruling</title>
		<description><![CDATA[The Office of Fair Trading’s delay on announcing limits on bank charges is an acknowledgement that a clampdown on fees could mean an end to free banking for all, leading financial research company Defaqto believes.
Defaqto’s Head of Banking David Black considers that any cap on charges is now likely to be set higher than previous [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/threats-to-free-banking-have-delayed-oft-ruling.htm</link>
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		<title>The new MBNA Rewards Platinum American Express Credit Card</title>
		<description><![CDATA[As our lives get busier and busier and we have less time for ourselves to do the things we enjoy, it’s good to know there’s somebody we can turn to when we need to sort out our personal lives.
MBNA has launched the new MBNA Rewards Platinum American Express Credit Card offering a series of rewards, [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/the-new-mbna-rewards-platinum-american-express-credit-card.htm</link>
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		<title>February mortgage lending highest on record</title>
		<description><![CDATA[Gross mortgage lending had its highest February ever at £24.6 billion according to the Council of Mortgage Lenders.
Although lending was down by 7% on the £26.6 billion recorded in January, it is up by 9% on the £22.5 billion of lending in February last year. 
Commenting on today&#8217;s data, CML Director General Michael Coogan said: [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/february-mortgage-lending-highest-on-record.htm</link>
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		<title>Take the worry out of investing by saving regularly</title>
		<description><![CDATA[Invesco Perpetual is urging customers to limit their investment risk by saving regularly either through its monthly savings plan or phased investment option. 
Rick White, Marketing Director, Invesco Perpetual says: &#8220;With tax year end approaching, this is a good time for investors to look at their 2006/2007 and 2007/2008 tax year investment strategy, both in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/take-the-worry-out-of-investing-by-saving-regularly.htm</link>
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		<title>Motorists missing the opportunity to save environment and money</title>
		<description><![CDATA[With a ‘green’ Budget expected from Gordon Brown later this month, new research from Alliance &#038; Leicester Personal Loans reveals that motorists are missing out on an opportunity to save the environment through their choice of car. 
Despite an expected increase in taxes on ‘gas-guzzlers’ and environment-busting vehicles, only 2% of motorists are planning their [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/motorists-missing-the-opportunity-to-save-environment-and-money.htm</link>
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		<title>Garden theft expected to soar as British summertime starts</title>
		<description><![CDATA[With the clocks set to go forward this Sunday (March 25th) marking the official start of British summertime, homeowners are eager to get outside and enjoy their gardens. But before they pull out the patio furniture, Halifax Home Insurance advises them to take steps to protect their homes from opportunistic garden thieves.
Last year, Halifax Home [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/garden-theft-expected-to-soar-as-british-summertime-starts.htm</link>
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		<title>Banks&#8217; commitment to financial inclusion continues</title>
		<description><![CDATA[The BBA continues to highlight the banking sector’s commitment to increasing the number of consumers being provided with access to the financial system.
Latest statistics show that on average, over 150,000 basic bank accounts are being set up each quarter. 
The fourth quarter of 2006 saw a net total (accounts opened less accounts closed) of 153,518 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/banks-commitment-to-financial-inclusion-continues.htm</link>
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		<title>Lloyds TSB calls on &#8216;phone alerts&#8217; to tackle rising tide of card fraud</title>
		<description><![CDATA[Lloyds TSB is stepping up the fight against card fraud, becoming the first UK bank to introduce automated telephone alerts to warn customers of suspicious transactions on their current accounts. 
The announcement comes as APACS reveals that cases of counterfeit fraud, where cards are cloned, have risen by three per cent, while card not present [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/lloyds-tsb-calls-on-phone-alerts-to-tackle-rising-tide-of-card-fraud.htm</link>
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		<title>Heading into your Golden Years on a Harley</title>
		<description><![CDATA[AA Insurance reveals the trend for Granny Bikers.
It’s official…the days of Hell’s Angels and leather clad bikers are numbered and in their place is a new breed of biker - chicks who are more silver surfer than busty blonde. An AA Insurance survey released today announces that more than a than a fifth of all [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/heading-into-your-golden-years-on-a-harley.htm</link>
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		<title>Balance Transfers on Multiple Credit Cards</title>
		<description><![CDATA[Some lines of thought have suggested it may be able to strengthen an individual credit score by transferring a credit card balance onto multiple cards. I.e. a £5,000 balance transferred across 5 cards by putting £1000 on each.
This may not actually be advisable be advisable in the UK.
In the US there is something known as [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/balance-transfers-on-multiple-credit-cards.htm</link>
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		<title>Choose Credit Cards, Choose Loans.</title>
		<description><![CDATA[Choose the possibility of 12 months less of repayments and hundreds of pounds less interest.
When considering the option of transferring a credit card balance onto another credit card to take advantage of a 0% offer or taking out a loan to consolidate the credit card debt it pays to sit down and do the maths.
Using [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/choose-credit-cards-choose-loans.htm</link>
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		<title>Exit fee deadline day for lenders</title>
		<description><![CDATA[Today marks the deadline, set by the FSA, for providers to announce their decision regarding mortgage exit fees. 
Commenting on this Louise Cuming, head of mortgages at moneysupermarket.com, said: “Today is crunch time as lenders make their exit fee charging structures clear – and early news is good for borrowers.
“So far all of the decisions [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/exit-fee-deadline-day-for-lenders.htm</link>
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		<title>Double win for switchers</title>
		<description><![CDATA[Customers of the Big 4 High Street banks now have two more reasons to switch their current account to Halifax. 
From 5th February, Halifax is increasing the rate of credit interest on its High Interest Current Account to 6% Gross (6.17% AER), for new and existing account holders. 
From the same day, Halifax will be [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/double-win-for-switchers.htm</link>
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		<title>Switch to Alliance &#038; Leicester’s premier current account and receive 7% on a linked premier ISA</title>
		<description><![CDATA[A new Alliance &#038; Leicester Premier ISA account paying 7.00% pa gross/AER is being launched for customers opening an Alliance &#038; Leicester Premier Current Account and will be available for a limited period only.
This follows the very successful Premier Regular Saver offer, which was closed on 7 February 2007. Other previous offers have included all [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/switch-to-alliance-leicesters-premier-current-account-and-receive-7-on-a-linked-premier-isa.htm</link>
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		<title>More good news for borrowers and savers from Nationwide</title>
		<description><![CDATA[Following the recent launch of its new Regular Savings Account and highly competitive Fixed Rate Bonds and Fixed Rate ISA Bonds, Nationwide Building Society has today announced a number of further initiatives to reward both loyal borrowers and savers. 
These all form part of a series of member value initiatives that will be unveiled over [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/more-good-news-for-borrowers-and-savers-from-nationwide.htm</link>
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		<title>Lloyds move to implement £35 fee for credit card customers</title>
		<description><![CDATA[Lloyds latest move to implement a £35 fee for credit card customers that ‘display low usage’ is set to generate a total income of £1.79 million.
Nick White, Director of Financial Services at price comparison and switching website uSwitch.com comments: “It has been a turbulent week for banks with continued rumblings that free banking could soon [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/lloyds-move-to-implement-35-fee-for-credit-card-customers.htm</link>
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		<title>Currency Trading – What You Need to Know</title>
		<description><![CDATA[Currency trading has taken the country by storm – and with good reason. Conducted online, the pace of foreign currency trading is fast  (deals can be completed in seconds) and furious. With the advent of mini-forex accounts, it’s become incredibly easy to get into the market. You can get started with a Forex mini [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/stock-market-and-share-trading-articles/currency-trading-what-you-need-to-know.htm</link>
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		<title>Debt Problems and Debt Help &#038; Advice - Questions Answered</title>
		<description><![CDATA[Over-spending and high borrowings can be a big problem, as the latest Personal Credit Index survey from CreditExpert.co.uk recently found. Around 25 per cent of couples argue about finances and one in 20 split up after rows about money. Jim Hodgkins, managing director of CreditExpert.co.uk answers some of the most common financial worries.
I owe money [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/debt-help.htm</link>
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		<title>How can you improve your credit score?</title>
		<description><![CDATA[Lenders use credit scores to assess the risk that you will not repay what you owe. A credit score is a mathematical calculation based on information from two main sources your credit report and your application. Each piece of information is allocated a value and each lender uses its own formula to calculate a number [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/how-can-you-improve-your-credit-score.htm</link>
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		<title>Is an IVA an easy way out of debt?</title>
		<description><![CDATA[An Individual Voluntary Arrangement (IVA) is one of many solutions for people who are in debt and are struggling to make payments. If you’re at the point where you owe so much money that you are struggling to pay even the interest on them, then an IVA is a solution that you may want to [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/is-an-iva-an-easy-way-out-of-debt.htm</link>
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		<title>GE Money Home Lending reacts to growth markets</title>
		<description><![CDATA[GE Money Home Lending has refreshed its igroup and First National product ranges, in response to recent market developments and to make home ownership and property investment more accessible and convenient to borrowers.
igroup is aligning other aspects of its proposition in Northern Ireland to those of the rest of the UK. This will allow homeowners [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/ge-money-home-lending-reacts-to-growth-markets.htm</link>
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		<title>Ever increasing debt circles</title>
		<description><![CDATA[The majority of people who take out a loan to consolidate debt then take on more debt and struggle with the consequences.
Research commissioned by price comparison website moneysupermarket.com reveals more than 13 million Brits (28 per cent) have taken out a loan to consolidate some or all of their existing borrowing. 
However, the statistics also [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/ever-increasing-debt-circles.htm</link>
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		<title>Steady trend in rising premiums</title>
		<description><![CDATA[The Sainsbury’s Car Insurance Index which tracks online premiums over a six month period, reveals that during 2006, there was a steady trend of rising car insurance premiums. In January 2006, the average premium was £462.72, by July this had risen to £466.63 and by the end of the year it had reached £472.52. Over [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/steady-trend-in-rising-premiums.htm</link>
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		<title>Act now if taking your pet away this summer</title>
		<description><![CDATA[All pet owners who would like to holiday with their pet this summer need to start the wheels rolling now, in order to make sure their pet passport comes through in time according to Halifax Pet Insurance. 
The process behind the documentation takes around six months from start to finish so action is required during [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/act-now-if-taking-your-pet-away-this-summer.htm</link>
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		<title>Halifax&#8217;s new Ultimate Reward Current Account</title>
		<description><![CDATA[Halifax&#8217;s new Ultimate Reward Current Account, believed to be the best value packaged current account from a major High Street bank, launches on Monday 19th February. 
The account will pay 6% Gross (6.17 AER) and offer benefits worth over £800 in total. Customers who switch banks to take out the Ultimate Reward Current Account, before [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/halifaxs-new-ultimate-reward-current-account.htm</link>
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		<title>uSwitch.com comments on Barclays results</title>
		<description><![CDATA[Barclays’ bumper profits announcement totalling £7.13 billion for the group (an increase of 35% since 2005) and overall write offs of £2 billion arrive amidst fears that the free banking era in the UK could soon come to an end. 
Nick White, Director of Financial Services at independent price comparison and switching website uSwitch.com, comments: [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/uswitchcom-comments-on-barclays-results.htm</link>
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		<title>UK leads the way in chip and PIN rollout</title>
		<description><![CDATA[Wednesday 14 February 2007 marks the one-year anniversary of PIN Day - the official change over to chip and PIN in the UK. To recognise this milestone, APACS, the UK payments association, has issued an update on the successful progress of chip and PIN. 
As at January 2007 APACS figures show that:
More than 99.9 per [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/uk-leads-the-way-in-chip-and-pin-rollout.htm</link>
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		<title>February offers credit card customers a great deal</title>
		<description><![CDATA[Halifax Credit Cards has announced that its online exclusive One Card featuring 0% for 12 months on both balance transfers and purchases will be available until the end of February. 
The special offer One Card is only available via halifax.co.uk/creditcards and features:
0% for 12 months on balance transfers and purchases (3% balance transfer fee applies)
A [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/february-offers-credit-card-customers-a-great-deal.htm</link>
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		<title>The AA Motor Insurance Voted Top in Industry</title>
		<description><![CDATA[Great news for The AA Motor Insurance programme! The company has received the   &#8220;Top UK Car Insurer&#8221; award from leading UK consumer review site,   ReviewCentre.com. Customers voted The AA as best car insurer for 2006 in the independent UK survey. 
The AA certainly beat competition from other well known insurers to [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/the-aa-motor-insurance-voted-top-in-industry.htm</link>
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		<title>Bad Credit Rating and What You can do About it</title>
		<description><![CDATA[A credit rating affects many things we do – buying a house or car, applying for a loan or a credit card. Unfortunately, many people don’t understand how their credit rating is determined - and many people don’t bother to check it regularly for accuracy.
If you are applying for any kind of loan, you will [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/bad-credit-rating-and-what-you-can-do-about-it.htm</link>
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		<title>Car Insurance - Why use a broker?</title>
		<description><![CDATA[You can save both time and money when leaving your insurance needs to the hands of a professional. The type of professional that you would find to assist you in finding the right car insurance policy would be an insurance broker.
It is possible to purchase a policy without using a broker. However, if you do, [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/car-insurance-why-use-a-broker.htm</link>
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		<title>Creditmarket.co.uk Gets a Facelift</title>
		<description><![CDATA[The newest version of creditmarket.co.uk has now been uploaded with added funtionality, better navigation, a more logical layout and a much neater slicker feel.
The site has always been focused around quick loading and ease of navigation and with the aid of different website development techniques the site has now achieved an even greater level of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/creditmarketcouk-gets-a-facelift.htm</link>
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		<title>BM first to break 6% barrier with launch of new fixed rate bond</title>
		<description><![CDATA[UK savings provider Birmingham Midshires today announced the launch of a new Best Buy bond with a fixed rate of 6.05% gross/AER.
It is the first provider to smash the 6% per cent marker.
BM’s new product is a staggering 0.33% above the rate of its current one-year fixed rate bond and stands an impressive 0.80% above [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/bm-first-to-break-6-barrier-with-launch-of-new-fixed-rate-bond.htm</link>
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		<title>CML reacts to reports on European mortgage markets</title>
		<description><![CDATA[The Council of Mortgage Lenders has responded to the European Commission’s publication yesterday of two working group reports on mortgage funding and consumer protection in European mortgage markets.
While the dialogue between consumer and industry representatives was inconclusive, the funding report is extremely useful and suggests some practical, targeted measures that the CML wholeheartedly supports.
The mortgage [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/cml-reacts-to-reports-on-european-mortgage-markets.htm</link>
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		<title>“Before I buy your house, can I see your credit rating?”</title>
		<description><![CDATA[Almost three-quarters (71%) of adults in the UK incorrectly believe the people who lived at their address before them can affect their credit rating.
And according to research released today, which exposes common misconceptions behind current ‘credit folklore’, half (50%) of us don’t fully understand what a credit rating is.
Commissioned by CreditExpert.co.uk, the online credit monitoring [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/before-i-buy-your-house-can-i-see-your-credit-rating.htm</link>
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		<title>NatWest launches first dedicated Polish bank account in Britain</title>
		<description><![CDATA[Today, NatWest brings to market a brand new current account for Polish-speaking customers. The NatWest Welcome Account has been launched specifically to meet the banking needs of Polish-speaking migrants who are new to the UK and is the first bank account where all services are in Polish, including telephone and internet banking as well as [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/natwest-launches-first-dedicated-polish-bank-account-in-britain.htm</link>
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		<title>Virgin Credit Card Balance Transfer Fee Rise</title>
		<description><![CDATA[For many years the credit card balance transfer wars have been raging with offers getting longer and longer.
This has seen the introduction of the ‘Balance trasnfer fee’ which is a charge made by a credit card company when you transfer a balance to them.
Usually you wouldn’t do this unless there were other benefits and in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/virgin-credit-card-balance-transfer-fee-rise.htm</link>
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		<title>Cardholders warned as fraudsters step up a gear in 2007</title>
		<description><![CDATA[As 2007 gets underway, a new report from Morgan Stanley Consumer Banking has found that millions of Britons are leaving themselves open to fraudsters.
The report compiles the most common ID Theft ‘sins’ and reveals those who are taking the most unnecessary risks by failing to protect themselves. The most common sin was throwing away bank [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/cardholders-warned-as-fraudsters-step-up-a-gear-in-2007.htm</link>
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		<title>Lloyds TSB launches pre-paid travel money card</title>
		<description><![CDATA[Lloyds TSB has launched a pre-paid Travel Money Card as a more convenient alternative to cash or travellers’ cheques providing a safe way to take money abroad.
The Lloyds TSB Travel Money Card can be pre-loaded, before travellers depart, with between £150 and £3,000 in either Euros or US Dollars and costs just £7.50 which is [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/lloyds-tsb-launches-pre-paid-travel-money-card.htm</link>
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		<title>Currency Trading Summary – 19 January 07</title>
		<description><![CDATA[U.S. Dollar Trading (USD) overall saw strong data with the CPI reaching its highest rates in 8 months at 0.5% higher than the expected 0.4%, whilst the pace of US Housing starts climbed a further 4.5% at 1.642 million. Leading to expectations that the Fed will not have to cut rates anytime soon. The USD [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/share-trading/currency-trading-summary-19-january-07.htm</link>
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		<title>One in three British pets are overweight</title>
		<description><![CDATA[Over one third (37%) of Britain’s pet cats and dogs are overweight according to a survey of veterinarians commissioned by Halifax Pet Insurance.
The growing problem has driven four out of five (82%) veterinary surgeries to set-up special weight loss clinics to educate owners and help them to get their pets in shape.
Sign-up rates to these [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/one-in-three-british-pets-are-overweight.htm</link>
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		<title>Motor ahead with a New Year car insurance deal</title>
		<description><![CDATA[Once the last piece of turkey has gone and the New Year toasts have fizzled out, has all the overspending during the festive season left you feeling a bit strapped for cash? If so, you’re not alone. swiftcover.com, the 100% online insurance provider, is on hand with its New Year insurance deals and top savings [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/motor-ahead-with-a-new-year-car-insurance-deal.htm</link>
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		<title>Tesco Instant Travel Insurance January sale</title>
		<description><![CDATA[Tesco Instant Travel Insurance is offering travellers a cool winter bargain by slashing a massive 20% off all annual travel policies purchased in store.
All single trip policies bought in store have also been cut by 10%.
The sale is on till 30 January 2007 and is welcome news for all holidaymakers who want quality cover at [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/tesco-instant-travel-insurance-january-sale.htm</link>
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		<title>Buy-to-let landlords see returns exceed 13%</title>
		<description><![CDATA[Buy-to-let landlords have seen a significant increase in total returns, according to Paragon Mortgages Buy-to-Let Index.
Total returns across the UK have risen significantly this month, up 2.8% from 10.5% in September to 13.3% - the highest in four months.
For the second consecutive month, the North heads the table in terms of overall returns over a [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/buy-to-let-landlords-see-returns-exceed-13.htm</link>
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		<title>Making your savings work for you</title>
		<description><![CDATA[As people are recovering from Christmas spending, Britannia is helping people to save by knocking thousands of pounds off their mortgage.
An offset mortgage links your savings with your mortgage. Rather than paying interest on savings, people can offset savings against their mortgage, potentially saving thousands of pounds in interest over the life of the mortgage.
Tim [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/making-your-savings-work-for-you.htm</link>
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		<title>HSBC offers market-leading five year fixed rate</title>
		<description><![CDATA[HSBC is offering a market-leading five year fixed rate mortgage at 5.17% as part of the HSBC Green Sale. With no booking or exit fees, this mortgage deal is one of the cheapest five year fixed rate mortgages available today.
Mike Oliver, manager of the HSBC Green Sale said: “For the many homeowners spring cleaning their [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/hsbc-offers-market-leading-five-year-fixed-rate.htm</link>
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		<title>Debt consolidation loans to reach £4.8bn</title>
		<description><![CDATA[January is one of the busiest months of the year for transferring balances between credit cards and for taking out personal loans for debt consolidation.
Sainsbury’s Bank research indicates that only 52% of people expect to clear their Christmas spending by the end of January, with 8% expecting it to take longer than 12 months. The [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/debt-consolidation-loans-to-reach-48bn.htm</link>
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		<title>ABCUL welcomes price comparison website</title>
		<description><![CDATA[Plans for a website which will allow consumers to compare the costs of home credit providers and compare them with credit union loans available in their area has been welcomed by the Association of British Credit Unions.
The website is one of the recommendations contained in the final report of the Competition Commission’s Home Credit Market [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/abcul-welcomes-price-comparison-website.htm</link>
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		<title>Borrowers urged to look beyond short-term interest free deals</title>
		<description><![CDATA[M&#038;S Money urges borrowers to look beyond short-term interest free deals unless they are confident of repaying their debt during the initial period.
Latest research by Marks &#038; Spencer Money shows that the majority of Britain’s credit card borrowers have taken to the practice of moving debts from one card to another – known as ‘transferring [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/borrowers-urged-to-look-beyond-short-term-interest-free-deals.htm</link>
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		<title>Britons are missing out on the ‘current account revolution’</title>
		<description><![CDATA[Britons are failing to switch their current accounts to take advantage of the ‘current account revolution’, according to research from Abbey.
60 per cent of Britons have held their current account for ten years or more, and 18 per cent have never switched their account, despite seeing credit interest rates soar with some banks.
Banking Inertia: Why [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/britons-are-missing-out-on-the-current-account-revolution.htm</link>
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		<title>Lloyds TSB kickstarts ‘paperless bill’ revolution</title>
		<description><![CDATA[Online banking enters a new era today, as Lloyds TSB launches a ground breaking service allowing customers to pay, view and store ‘paperless’ bills online. The new ‘bill manager’ service gives customers the ability to view all of their household bills in one place and will be available free of charge to anyone registered with [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/lloyds-tsb-kickstarts-paperless-bill-revolution.htm</link>
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		<title>Halifax announces launch of “packaged” current account</title>
		<description><![CDATA[Halifax announces the launch of its “packaged” current account, believed to be the best value account of its kind from a major High Street bank.
The “packaged” or “premier” account is market dominated by the Big 4 banks. They have around 7 million accounts generating around £900 million of fee income annually.
The new product will be [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/halifax-announces-launch-of-packaged-current-account.htm</link>
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		<title>Play your cards right</title>
		<description><![CDATA[With extended introductory offers and low typical APRs still available, Halifax is urging Christmas shoppers to choose their credit card wisely before they buy their Christmas gifts. With a range of different cards currently available, Halifax believes it has a card to suit every shoppers’ needs.
Halifax is currently offering:
One Card - 0% for nine months [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/play-your-cards-right.htm</link>
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		<title>Zurich praised for customer focus and top rated car insurance products</title>
		<description><![CDATA[Zurich, one of the UK’s biggest car insurance providers, has been independently praised by two companies.
Defaqto, the independent product research organisation, has again awarded Zurich’s Car Solutions the highest possible rating of 5 stars, ranking it among the top 10 per cent of car insurance policies available in the UK.
Since it was introduced, Defaqto’s star [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/zurich-praised-for-customer-focus-and-top-rated-car-insurance-products.htm</link>
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		<title>Pru is best lifetime mortgage provider</title>
		<description><![CDATA[After only a year since launch, the Prudential’s Property Value Release Plan has made it a hat-trick of awards for 2006.
Having won awards with Moneyfacts and Mortgage Strategy already this year, the Prudential has now been awarded the best lifetime mortgage provider at the 2006 Equity Release Awards.
Ali Crossley, Pru’s Director of Lifetime Mortgages, said: [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/pru-is-best-lifetime-mortgage-provider.htm</link>
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		<title>Confidence in mortgage industry soars</title>
		<description><![CDATA[The latest in a series of six monthly polls to gauge IFAs’ opinions has revealed that broker confidence in the mortgage industry is the highest it has been in over ten years, according to Mortgage Trust.
This confidence comes despite concerns in some quarters that the recent rise in interest rates and the expectation of further [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/confidence-in-mortgage-industry-soars.htm</link>
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		<title>Leeds Building Society launches new 3 year fixed rate mortgage</title>
		<description><![CDATA[Leeds Building Society has launched a new 3-year fixed rate mortgage at only 5.29%.
The product allows 10% capital repayments each year without penalty, is available up to 95% loan to value (LTV) and there is no higher lending charge up to 90% LTV.
Karen Wint, Head of Marketing &#038; PR said, “Some customers who currently have [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/leeds-building-society-launches-new-3-year-fixed-rate-mortgage.htm</link>
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		<title>Shop stress-free and safe online this Christmas</title>
		<description><![CDATA[To coincide with the busiest online shopping weeks of the year (9th and 16th December), APACS, the UK payments association is launching a fraud awareness campaign to promote the online security systems provided by Visa and MasterCard.
Newly commissioned research by APACS highlights how consumer confidence in online shopping has risen dramatically, with consumers of all [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/shop-stress-free-and-safe-online-this-christmas.htm</link>
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		<title>Britain branded ‘card fraud capital’</title>
		<description><![CDATA[Card fraud has affected more than seven million people in the UK, figures show.
Research from the European Security Transport Association (Esta) found that nearly 20 per cent of the adult population in Great Britain had been targeted as part of a credit or debit card scam.
It makes the UK the card fraud capital of Europe, [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/britain-branded-card-fraud-capital.htm</link>
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		<title>Liverpool Victoria enhances online General Insurance offer</title>
		<description><![CDATA[Liverpool Victoria has underlined its commitment to grow and develop its motor and home insurance online offering by introducing ‘Live Chat’, a live online assistance service.
Live Chat offers online customers the chance for one-to-one, real time, text-based ‘chat’ with a specialist customer service representative. The service will guide the customer through the quote process, answering [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/liverpool-victoria-enhances-online-general-insurance-offer.htm</link>
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		<title>Save now, buy later</title>
		<description><![CDATA[Britannia Building Society is helping first time buyers to save the deposit for their new home with its HomeSaver account.
Designed to help those saving for a Britannia mortgage, HomeSaver pays a great rate of 6.55 per cent AER / Gross (from 2 December) on balances of £250.
In addition, HomeSaver customers who complete a Britannia mortgage [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/save-now-buy-later.htm</link>
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		<title>Tesco Home Insurance covers Christmas</title>
		<description><![CDATA[Tesco Home Insurance is covering Christmas by giving its customers an automatic 10% increase in contents cover levels over the festive season, from 01 December 2006 to 15 January 2007 (46 days total).
Couples having a Yuletide wedding also benefit from an extra 10% on their wedding contents for the four weeks before and after their [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/tesco-home-insurance-covers-christmas.htm</link>
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		<title>Problem customers ‘will face credit card rate rises’</title>
		<description><![CDATA[Credit card customers who persistently pay late or go over their limit could face increases in their interest rate charges as companies react to the regulatory squeeze on the industry, the leading financial services research company Defaqto warns. And it also believes annual fees for credit cards are likely to be imposed.
The new tough tactics [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/problem-customers-will-face-credit-card-rate-rises.htm</link>
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		<title>Debt relief measures welcomed, but bailiff powers ‘should be curbed’</title>
		<description><![CDATA[National charity Citizens Advice today warmly welcomed the promise in the Queen’s Speech to introduce a new low cost, out of court insolvency remedy to help people in debt who are too poor to go bankrupt.
But the charity added that it was deeply disappointed that proposals to regulate bailiffs had been ditched.
Debt Relief Orders
The new [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/debt-relief-measures-welcomed-but-bailiff-powers-should-be-curbed.htm</link>
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		<title>Woolwich launches new mortgages to beat the base rate increase</title>
		<description><![CDATA[Two successive base rate increases and nervousness over the next move in interest rates has led Woolwich to introduce an innovative new product that is a combination of fixed rate and lifetime tracker to help customers manage rising rates.
The mortgage is fixed for the first two years at 5.19 per cent and then reverts to [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/woolwich-launches-new-mortgages-to-beat-the-base-rate-increase.htm</link>
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		<title>A good savings ethic is the must have for a mate</title>
		<description><![CDATA[Fellas - forget splashing the cash, if you want either a date or a long term mate. For today’s modern woman values a savvy saver over a flashy spendthrift, according to new research from Yorkshire Building Society (YBS).
In a recently commissioned survey of 1631 adults across the UK, YBS reveals that the hottest prospects for [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/a-good-savings-ethic-is-the-must-have-for-a-mate.htm</link>
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		<title>Halifax committed to free banking</title>
		<description><![CDATA[In response to First Direct’s plans to charge some of its current account holders £10 per month, Halifax is committed to free banking and hopes other banks and building societies are too.
Halifax has two distinct current account products:
The High Interest Current Account, paying 5% on balances up to £2,500, suits the majority of those customers [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/halifax-committed-to-free-banking.htm</link>
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		<title>Helping on to the property ladder</title>
		<description><![CDATA[Britannia Building Society is increasing its maximum mortgage term to 40 years continuing its commitment to fiirst time buyers.
During the past year, the Society has placed greater focus on first time buyers with products such as its First Time Buyer mortgage and the Share to Buy scheme.
Tim Franklin, Managing Director of Britannia’s Member Business, said: [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/helping-on-to-the-property-ladder.htm</link>
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		<title>Great time to get peace of mind for a decade</title>
		<description><![CDATA[Leeds Building Society has the ideal mortgage for customers who are worried about what will happen to their mortgage payments if interest rates continue to rise.
Customers can still fix their payments for 10 years at only 4.99%, there is no higher lending charge and 10% capital repayments are allowed each year without penalty. Furthermore, this [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/great-time-to-get-peace-of-mind-for-a-decade.htm</link>
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		<title>Fewer households say they have money to spend</title>
		<description><![CDATA[Over the last three years the proportion of households who say they have some money left at the end of the month after paying bills and debts has fallen continuously, according to Legal &#038; General’s MoneyMood Survey.
Legal &#038; General’s Director Customer Marketing, Claire Stracey commented: “Our research shows that three years ago the number of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/fewer-households-say-they-have-money-to-spend.htm</link>
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		<title>Buy-to-let hotspots revealed</title>
		<description><![CDATA[A report on the buy-to-let market published by specialist lender, UCB Home Loans, points towards continued growth in the sector and highlights a number of UK hotspots where investors currently see the greatest potential from property investment.
“Investment in buy-to-let property has been particularly strong over the past six months. In the first half of this [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/buy-to-let-hotspots-revealed.htm</link>
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		<title>First Direct move is - ’step towards end of free banking’</title>
		<description><![CDATA[First Direct’s announcement that customers who do not deposit at least £1,500 a month or maintain a current account balance of £1,500 a month will face fees of £10 a month is “another step in the seemingly inevitable move” towards the end of free banking, Defaqto, the leading financial services research company, believes.
First Direct is [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/first-direct-move-is-step-towards-end-of-free-banking.htm</link>
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		<title>Bank of England raises rates</title>
		<description><![CDATA[Households face higher mortgage repayments after the Bank of England lifted interest rates to 5% - the highest level in five years.
The move by the Bank’s Monetary Policy Committee (MPC) had been widely expected as policymakers look to keep a lid on inflationary pressures.
The quarter of a percentage point increase was as good as sealed [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/bank-of-england-raises-rates.htm</link>
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		<title>Leeds Building Society launches new 10-year fixed rate mortgage</title>
		<description><![CDATA[Leeds Building Society has launched a new 10-year fixed rate mortgage highly competitive rate of only 4.99%.
The mortgage has no higher lending charge, is available up to 90% loan to value and allows 10% capital repayments each year without penalty. There is also a fee free version for customers who require help with fees.
Karen Wint, [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/leeds-building-society-launches-new-10-year-fixed-rate-mortgage.htm</link>
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		<title>Abbey welcomes Government decision on ISAs</title>
		<description><![CDATA[Abbey welcomes the Government’s decision, announced by Ed Balls, Economic Secretary to the Treasury, to simplify ISAs and guarantee their future beyond 2010.
Abbey’s Head of Savings, Reza Attar-Zadeh, said: “As one of the UK’s leading suppliers of ISAs, we warmly welcome the commitment given by the Government to guarantee the long-term future of one of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/abbey-welcomes-government-decision-on-isas.htm</link>
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		<title>Britain Prepares for Merry Xmas</title>
		<description><![CDATA[Brits are preparing to increase their credit card spending during the 2006 festive spending season, according to the latest results from the Morgan Stanley Card Index. Between October and December 2006 the average Brit will fork out £1,270 on their credit cards.
Hot on the heels of the Datamonitor report, showing that spending on cards has [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/britain-prepares-for-merry-xmas.htm</link>
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		<title>Currency Trading Summary– 7 November 06</title>
		<description><![CDATA[Greenback up against major currencies as Federal Reserve members speak. Crude rises above US$60 a barrel.
CURRENCY TRADING SUMMARY – 7 NOVEMBER 06 (23:30GMT)
                                   


U.S. Dollar Trading (USD) strengthened against the majors in the overnight forex session as Federal Reserve members downplay recent negative economic data from the US. Former Fed Reserve Chairman Alan Greenspan agreed the US [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/share-trading/currency-trading-summary-7-november-06.htm</link>
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		<title>Record number of insolvencies</title>
		<description><![CDATA[A record number of people went insolvent during the summer in an indication that the UK debt crisis is worsening, new figures showed.
Statistics from the Government’s Insolvency Service revealed that a total of 27,644 people went bankrupt or took out an individual voluntary arrangement between July and September.
Broken down, the figures show 15,416 people went [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/record-number-of-insolvencies.htm</link>
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		<title>Mortgage Lending up to 5 times Salary</title>
		<description><![CDATA[Abbey, the country’s second largest mortgage lender, has increased the amount it will typically lend borrowers to up to five times income, to help ailing first-time buyers.The move is in response to the relentless rise of house prices but some experts believe such large loans could lead borrowers into repayment difficulties, especially with interest rates [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/mortgage-lending-up-to-5-times-salary.htm</link>
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		<title>Currency Trading Summary – 30 October 06 (01:30GMT)</title>
		<description><![CDATA[
U.S. Dollar Trading (USD) was lower against the majors in the Friday night forex session as US GDP came in much lower than expected. US GDP dropped to 1.6% from 2.6% in the second quarter where the market was expecting a drop to 2.2%. Core PCE for the third quarter dropped also to 2.5% from [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/share-trading/currency-trading-summary-30-october-06-0130gmt.htm</link>
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		<title>‘Mates rates’ cost first-time buyers dear</title>
		<description><![CDATA[A generation of first-time buyers is in danger of risking quality and safety by cutting corners when it comes to home improvement. Research published today shows 218,000 (58%) of new UK homeowners admit to calling in friends and family to do work such as electrical, roofing or plumbing jobs on their home rather than calling [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/mates-rates-cost-first-time-buyers-dear.htm</link>
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		<title>Equity release plans increase in popularity</title>
		<description><![CDATA[The members of UK equity release industry body, SHIP (Safe Home Income Plans), that represents over 90% of the Equity Release sector, have reported third quarter figures to 30 September 2006 that show the increasing popularity of equity release plans.
The total value of new business written in Q3 2006 was £295.1 million, an increase of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/equity-release-plans-increase-in-popularity.htm</link>
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		<title>Barclays warns customers to be e-savvy on e-scams</title>
		<description><![CDATA[Barclays is warning the public to be extra vigilant against a new wave of scam emails.
Emails falsely claiming to be connected to London 2012 have been sent to thousands of recipients purporting to alert them to a potential lottery win. Many of the emails state that the winnings are being held with a global bank [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/barclays-warns-customers-to-be-e-savvy-on-e-scams.htm</link>
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		<title>FSA and Teachers’ TV collaborate on new personal finance education programmes</title>
		<description><![CDATA[A brand new series of programmes about personal financial education in the classroom will make its debut tonight on Teachers’ TV following collaboration between the Financial Services Authority and the channel.
The series titled Financial Capability consists of four programmes. Two are designed for use in class as a teaching aid, whilst the other two are [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/fsa-and-teachers-tv-collaborate-on-new-personal-finance-education-programmes.htm</link>
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		<title>Savings down as Brits prepare for Christmas</title>
		<description><![CDATA[Brits may be headed for lean Christmas with savings levels having fallen 20 per cent over the last three months according to latest research from Birmingham Midshires’ Saving Britain campaign. The study has found that Brits saved an average of £413 since July, the lowest amount this year.
Across the generations, those in the 30 to [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/savings-down-as-brits-prepare-for-christmas.htm</link>
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		<title>Pet Insurance for Fireworks Night</title>
		<description><![CDATA[It’s raining rockets…protect your cats and dogs
With the RSPCA reporting an 82 per cent surge in calls about distressed or injured animals around last year’s bonfire night, the run up to this year’s fireworks extravaganza should prompt pet owners to consider their animals’ welfare. In addition, owners should ensure they have adequate insurance in case [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/pet-insurance-for-fireworks-night.htm</link>
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		<title>100% Mortgages for First Time Buyers</title>
		<description><![CDATA[100% LTV mortgage insurance may help first time buyers.
More first time buyers may soon be able to get a foot on the property ladder, according to insurer Genworth Financial, due to the launch of their specialist mortgage insurance product.
The company claim that their new product will help to mitigate the considerable risk associated with 100% [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/100-mortgages-for-first-time-buyers.htm</link>
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		<title>Cash concerns are the last social taboo</title>
		<description><![CDATA[Money problems are the last social taboo among family and friends in the UK. New research from first direct shows that fewer than a quarter of adults (that’s 22 per cent) feel comfortable talking to their best friends about debt or worries about meeting bills. By contrast, over half of people (53 per cent) are [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/cash-concerns-are-the-last-social-taboo.htm</link>
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		<title>Abbey Loan Online Exclusive Rate</title>
		<description><![CDATA[The abbey loan offers one of the most competitive rates available and is advertised on television with a great rate of 6.3% (as at 26.10.06) but through an exclusinve online partnership creditmarket.co.uk is able to offer the Abbey loan at an exclusive online typical rate of just 5.8% apr (variable).
This represents even further savings for [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/abbey-loan-online-exclusive-rate.htm</link>
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		<title>Currency Trading Summary October 19th</title>
		<description><![CDATA[CURRENCY TRADING SUMMARY – 19 OCTOBER 06 (01:30GMT)
                                   


U.S. Dollar Trading (USD) recovered somewhat against the majors in the overnight foreign exchange trading session as US CPI disappointed but housing starts surprised the markets. US headline/core CPI came in at -0.5%/0.2%, compared to an estimated      -0.3%/0.2% respectively. US housing starts rose to 1.772mln from an estimated 1.64mln. [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/share-trading/currency-trading-summary-october-19th.htm</link>
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		<title>Parents Borrow to Cover Student Costs</title>
		<description><![CDATA[Parents are taking out personal loans in order to provide financial support for their children at university, according to new research.
Some £58.3 million worth of personal loans will be taken out this year by parents, Sainsbury’s Bank has estimated.
The bank claimed that this increase has been seen in the wake of tuition fees from £1,175 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/parents-borrow-to-cover-student-costs.htm</link>
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		<title>Do the Maths on Cashback Loans</title>
		<description><![CDATA[Although the cashback option on many personal loans may be attractive, it may not always provide borrowers with the best option, an expert has claimed.Personal loans which offer better value over the long-term are available, stated Michelle Slade, personal finance analyst at Moneyfacts.
The expert comments in the wake of two recently-launched personal loans with cashback [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/do-the-maths-on-cashback-loans.htm</link>
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		<title>Yet More Loans</title>
		<description><![CDATA[4 new secured loan providers have been added to the range available at creditmarket.co.uk bringing the total count to over 30. The new products consist of some new faces in the form of Loans4 and Only Finance, the secured loans website from the onlygroup.Cashflow loans also joins the pages along with a long standing secured [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/general/yet-more-loans.htm</link>
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		<title>Smile top ten tips to prevent ID theft</title>
		<description><![CDATA[Having your identity stolen can be a nightmare, both emotionally and financially.
Unfortunately, Identity theft is a crime that is on the rise with one in four adults in the UK having been a victim or know someone that has.
As this week is National Identity Fraud Prevention Week, smile the Internet bank have come up with [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/smile-top-ten-tips-to-prevent-id-theft.htm</link>
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		<title>Loan cash back a gimmick or good deal?</title>
		<description><![CDATA[Recently Nationwide Building Society joined Moneyback Bank as the only providers to offer a cash back personal loans, but are they really a good deal or just a gimmick? Michelle Slade, personal finance analyst at moneyfacts.co.uk comments:
“The cash back deals are similar between Nationwide and Moneyback Bank, in that to qualify you must take the lender’s [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/loan-cash-back-a-gimmick-or-good-deal.htm</link>
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		<title>Home insurance customers need to be aware</title>
		<description><![CDATA[Home insurance customers are in danger of being severely uninsured as Met Office forecasters warn of heavy floods, says Insurancewide.com, the online insurance comparison service.
James Harrison, chief executive of Insurancewide.com, the online insurer comparison service, urged home owners today: “Don’t assume your home insurance covers you for a flood. If you’re not sure whether you [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/home-insurance-customers-need-to-be-aware.htm</link>
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		<title>Credit card repayments on the rise</title>
		<description><![CDATA[The amount spent on credit cards in the UK is up by one per cent to £124.1 billion (from £122.8 billion in 2004) whilst the number of transactions has fallen by one per cent to 2.1 billion, according to a report by APACS, the UK payments association.
While cardholders rein in their spending, they are concentrating [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/credit-card-repayments-on-the-rise.htm</link>
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		<title>UK wallets still contain ‘passive plastic’</title>
		<description><![CDATA[Nearly 20 million UK consumers are still using unrewarding credit cards, according to new research out from American Express. To mark National Giving Week (16 – 22 October), the UK’s leading Credit Card for ‘conscience consumers’, is urging credit card holders to give up their ‘passive plastic’ and make their spending count.
Despite the rise in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/uk-wallets-still-contain-passive-plastic.htm</link>
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		<title>Tesco Car Insurance Cashback Offer Extended</title>
		<description><![CDATA[The offer continues! The Tesco Car Insurance cashback offer has now been extended until the 7th November 2006.
New customers taking out car insurance with Tesco could get up to £80 cashback. Not to mention a 10% online discount in the first year. The Tesco Car Insurance website offers an online quote facility where you could [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/tesco-car-insurance-cashback-offer-extended.htm</link>
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		<title>Prudential Home Insurance - New from the Pru.</title>
		<description><![CDATA[Creditmarket.co.uk is pleased to announce the availability of Prudential Home Insurance in their Home Insurance category. Prudential is a very familiar company in the UK and has been providing financial services since 1848.
Prudential is a long established and leading international financial services company with some 21 million customers, policyholders and unit holders and some 23,000 employees worldwide.
Hundreds of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/prudential-home-insurance-new-from-the-pru.htm</link>
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		<title>Barclaycard Flexi Rate Credit Card - As Seen on TV</title>
		<description><![CDATA[Barclaycard are well remembered for their choice of well known comedy actors to put across the features of their credit card range and the introduction of their Flexi Rate Credit Card is no exception.
Historical campaigns have seen Rowan Atkinson as a hapless MI6 agent and more recently Jennifer Saunders on her travels, both demonstrating the insurance protection available for goods [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/barclaycard-flexi-rate-credit-card-as-seen-on-tv.htm</link>
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		<title>Moneyback Bank Arrives at Creditmarket.co.uk</title>
		<description><![CDATA[The Moneyback Bank Loan has been around for some time now but has only just made it onto the pages of creditmarket.co.uk. Through an online partnership with SmartQuotes, Creditmarket.co.uk is able to dedicate an entire page to the Moneyback Bank Loan with useful information and a link to apply online for the loan.The product itself isn’t [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/moneyback-bank-arrives-at-creditmarketcouk.htm</link>
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		<title>Childrens Bank Accounts Online</title>
		<description><![CDATA[A great many people are searching in vain on the internet for childrens bank accounts only to find a very limited number actually available to apply for online.
Tim Day, Director of Creditmarket Ltd (www.creditmarket.co.uk) has noted “the statistics show hundreds of people are interested in finding out about childrens bank accounts in the UK every [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/childrens-bank-accounts-online.htm</link>
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		<title>Free England Football Shirt with FA Credit Card</title>
		<description><![CDATA[Following the hugely popular England football shirt offer that was run during the World Cup – this great offer is back for a limited time only! From now until further notice consumers who take out an FA card will receive an England (home) shirt when they spend on the card for the first time within 28 days of opening [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/free-england-football-shirt-with-fa-credit-card.htm</link>
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		<title>Sainsbury’s Bank launches home insurance for landlords</title>
		<description><![CDATA[Sainsbury’s Bank has launched a home insurance policy for landlords, providing comprehensive cover and benefits at competitive premiums. The policy, which is aimed at landlords with a small portfolio of properties, insures against loss of rental income of up to £20,000 and contents cover of up to £40,000. It is also the only home insurance [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/insurance/sainsburys-bank-launches-home-insurance-for-landlords.htm</link>
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		<title>Homeowners at risk of losing their home from unmanageable debt</title>
		<description><![CDATA[Homeowners could be at risk of getting into serious debt by over-committing themselves with loans and other forms of credit, say national charity Citizens Advice. A new survey - released for this year’s Advice Week - shows that some 770,000 people throughout Great Britain, with a mortgage have missed one or more mortgage payments in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/homeowners-at-risk-of-losing-their-home-from-unmanageable-debt.htm</link>
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		<title>Personal Loans to Cover Rising Cost of University Education</title>
		<description><![CDATA[Sainsbury’s Bank, which offers some of the most competitive personal loan rates available starting from 6.1% typical APR, estimates that the increase in university tuition fees this academic year from £1,175 up to £3,000 could lead to a rise of between 17% and 21% in the cost of living for an average student.
As a result [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/loans/personal-loans-to-cover-rising-cost-of-university-education.htm</link>
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		<title>Improved disclosure of CFDs needed</title>
		<description><![CDATA[The Association of Investment Trust Companies (AITC) has called for improved disclosure of Contracts for Difference (CFDs) to protect investors and maintain a fair and orderly market.
CFDs can be used by market participants to stake build in a less transparent manner than if they had simply bought shares through the market. This means that sellers [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/share-trading/improved-disclosure-of-cfds-needed.htm</link>
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		<title>Charity Credit Cards could Save Consumers Thousands</title>
		<description><![CDATA[Charitable credit cards now offer much more than just an incentive to ‘do your bit’ just by making use of an everyday item. Many of them now offer some of the best balance transfer offers in the industry.
Recently announced are the latest balance transfer offers available from the WWF Credit Card and the National Trust [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/charity-credit-cards-could-save-consumers-thousands.htm</link>
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		<title>Marbles Credit Card now offering 0% for 12 months</title>
		<description><![CDATA[The marbles credit card has been at the forefront of the credit card industry for many years and has consistently offered market leading incentives to consumers.
With the introduction of a 12 month balance transfer offer the Marbles credit card is now in line with the longest available balance transfer offers available. Other card issuers offering [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/marbles-credit-card-now-offering-0-for-12-months.htm</link>
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		<title>Continued success for Child Trust Fund</title>
		<description><![CDATA[More than three in four Child Trust Fund (CTF) vouchers were used to open accounts according to the latest quarterly statistics published by HMRC.
The figures show for the latest finalised quarter, April - June 2005, 76% of vouchers were used to open accounts, highlighting the continuing success of the CTF.
Welcoming these figures, Economic Secretary to [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/continued-success-for-child-trust-fund.htm</link>
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		<title>HSBC and first direct launch mobile phone banking</title>
		<description><![CDATA[HSBC and first direct have become the first banks to offer customers the next generation of mobile phone banking through MONILINK, a new UK mobile banking platform developed by the UK’s cash machine network, LINK and its joint venture partner Monitise.
The banks are now inviting customers to sign up for ‘on demand’, 24 hour access [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/bank-accounts/hsbc-and-first-direct-launch-mobile-phone-banking.htm</link>
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		<title>American Express top for cash back</title>
		<description><![CDATA[As GE Money withdraws its Everday Money cash back card to new applicants, American Express continues to offer a market-leading cash back rate on its Platinum Credit Card.
The Platinum Credit Card offers new applicants MoneyBack at 3% for the first three months. After the three month period, MoneyBack will be calculated at the following rates:
0.5% [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/american-express-top-for-cash-back.htm</link>
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		<title>MBNA Sony Card &#038; FREE Mp3 Walkman</title>
		<description><![CDATA[MBNA are pleased to announce a FREE Sony Flash MP3 Walkman for every customer who takes out the SonyCard !
From 4th October MBNA will be offering a great new incentive to consumers who take out the MBNA SonyCard.
Once the account is opened and used for the first time the customers account will be credited with [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/mbna-sony-card-free-mp3-walkman.htm</link>
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		<title>Barclaycard Revamps Student Credit Card</title>
		<description><![CDATA[As thousands of students head off to university this month, Barclaycard is launching (4th September) Barclaycard Student Credit Card, a new credit card designed to help students use credit sensibly and gain the most from their time at university.
Barclaycard Student offers the lowest typical APR of any student credit card and has introduced a host [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/barclaycard-revamps-student-credit-card.htm</link>
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		<title>MBNA Platinum Rewards Credit Card is back on your TV screens!</title>
		<description><![CDATA[Following the performance of the hugely successful TV campaign brought to our screens from the MBNA Platinum Rewards Credit Card earlier this year– the campaign is coming back to a TV near you and this time its going national!
The campaign will start on 1st October and will run for the whole month .
TV exposure will [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/mbna-platinum-rewards-credit-card-is-back-on-your-tv-screens.htm</link>
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		<title>Credit card problems overstated</title>
		<description><![CDATA[The popular image that Britons “are up to their necks” in credit card debt is “largely a myth”, a survey concludes.
According to the results of 48,000 interviews by Mori, the whole issue has been “hyped” and “overstated”.
The report suggests that more than half of the £50bn owed on credit cards is not “true” debt, as [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/credit-cards/credit-card-problems-overstated.htm</link>
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		<title>First-time buyers get by with a little help from their friends</title>
		<description><![CDATA[As first-time buyers are having an increasingly difficult time getting themselves on the first rung of the housing ladder, new research shows that many are opting to buy with friends.
Continually increasing prices, competition from buy-to-let landlords and affordability pressures such as higher interest rates and rising fuel prices have put prospective buyers in a very [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/first-time-buyers-get-by-with-a-little-help-from-their-friends.htm</link>
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		<title>Buy-To-Let will continue to grow - Charcol</title>
		<description><![CDATA[John Charcol reports that it expects the buy-to-let (BTL) market to continue to grow, following the record breaking figures published by the Council of Mortgage Lenders (CML).
Ray Boulger, of John Charcol, commented: “The fact that the BTL market has remained strong is hardly surprising, with continued strong rental demand. The plight of the first time [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/buy-to-let-will-continue-to-grow-charcol.htm</link>
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		<title>Immigrants set to boost the buy-to-let sector</title>
		<description><![CDATA[An influx of new workers coming from overseas will further boost the residential buy-to-let sector, according to Nigel Terrington of Paragon.
Terrington refers to Home Office data which reveals that immigration into the UK in 2005 stood at 600,000, with many migrants arriving from Eastern Europe.
Furthermore, the government recently claimed that net immigration will add 6 [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/immigrants-set-to-boost-the-buy-to-let-sector.htm</link>
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		<title>UK house prices strengthen</title>
		<description><![CDATA[Annual UK house price inflation rose by 6% in the year to July, up from 5.2% in the year to June, according to the Department for Communities and Local Government (DCLG)
Property prices led the way in London, with annual price inflation in the capital rising from 5.8% in June to 7.0% in July. The report [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/uk-house-prices-strengthen.htm</link>
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		<title>London property market most expensive in the world</title>
		<description><![CDATA[The residential property market in London is now the most expensive in the world, according to CBRE Hamptons International.
“Our research suggests prices currently achieved in the prime areas of Central London are the highest in the world when measured by price per square foot”, said CBRE Hamptons International, part of CB Richard Ellis Group.
CBRE said [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/london-property-market-most-expensive-in-the-world.htm</link>
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		<title>Property prices boom in Britain’s seaside towns</title>
		<description><![CDATA[Maryport has recorded the strongest growth in property prices over the past five years, according to the annual seaside town review published by the Halifax.
In fact, the study reveals that nine out of the ten most expensive seaside towns are located on the west coast, including four in Cornwall, three in Dorset and two in [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/property-prices-boom-in-britains-seaside-towns.htm</link>
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		<title>UK property prices rise again</title>
		<description><![CDATA[Average UK property prices rose once again in September, despite the recent interest rate rise.
 
Fresh figures from the Nationwide Building Society reveal that house prices increased by 1.3% in September, following a rise of 0.8% in August.
 
The annual house price inflation now stands at 8.2%, with the average UK house now costing £169,413.
 
Fionnuala Earley of [...]]]></description>
		<link>http://www.creditmarket.co.uk/news/mortgages/uk-property-prices-rise-again.htm</link>
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		<title>The Art of Share Trading</title>
		<description><![CDATA[The well-informed investor understands that the up-and-down nature of the stock market dictates that one fill their financial portfolio with a variety of stocks, bonds, certificates of deposit, and so forth. Dividing your monies between several investment opportunities “cushions” one against financial ruin should one investment fail.
The world of purchasing and trading of stocks is [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/stock-market-and-share-trading-articles/the-art-of-share-trading.htm</link>
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		<title>Forex - What is it, anyway?</title>
		<description><![CDATA[The market
The currency trading (FOREX) market is the biggest and the fastest growing market on earth. Its daily turnover is more than 2.5 trillion dollars, which is 100 times greater than the NASDAQ daily turnover. (click here to read full market background by Easy-Forex™).
Markets are places to trade goods. The same goes with FOREX. The [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/stock-market-and-share-trading-articles/forex-what-is-it-anyway.htm</link>
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		<title>Share Trading Where to Start?</title>
		<description><![CDATA[Organisation and dedication are two primary keys to joining the rank of share traders. This system provides a risk and return structure that could either provide a greater return on your investment or help you loose your investment capital quickly.
Share trading firms do a majority of their business online and a simple password protected site [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/stock-market-and-share-trading-articles/share-trading-where-to-start.htm</link>
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		<title>Choosing the Right Mortgage Online</title>
		<description><![CDATA[Although the recent rise in interest rates has flattened growth in house prices, it has not reduced the competition in the mortgage markets. Part of the reason for this is that the number of financial institutions and organisations outside of the banks and remaining building societies has rocketed over the past few years. The other [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/choosing-the-right-mortgage-online.htm</link>
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		<title>Mortgage Options and Extras in the UK</title>
		<description><![CDATA[In the UK, the two main types of mortgages are repayment and interest only. Interest only mortgages offer different repayment routes and different types of interest. Different types of mortgage and different lenders can lead to substantial savings. Lenders nowadays also offer flexible repayment schemes and optional extras.
Additional flexibility is also offered by the ability [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/mortgage-options-and-extras-in-the-uk.htm</link>
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		<title>Remortgaging your Home</title>
		<description><![CDATA[Remortgaging is the name given to the procedure when a borrower who has a mortgage with a particular company switches it to another company or to a different product with the same company, usually with a lower rate. Remortgaging is a popular thing to do - over 40% of all new loans every month in [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/remortgaging-your-home.htm</link>
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		<title>Mortgage Mix and Match</title>
		<description><![CDATA[The two main types of mortgage loans in the UK are repayment and interest only. Quite often people think these are the only options and that they can only choose one finance option (such as using ISA’s) for paying off interest only loans.
But not only should you shop around for the best mortgage deal, you [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/mortgage-mix-and-match.htm</link>
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		<title>Mortgages and Purchase Incentives for New Builds and New Buyers</title>
		<description><![CDATA[Are you a first time homebuyer?
If you are, then you will need to consider how much you can comfortably borrow to purchase the property.
With the continued rise of property prices across the UK, many first time homebuyers have had to consider one of several options: shared ownership, guarantor mortgage, saving for a large deposit, or [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/mortgages-and-purchase-incentives-for-new-builds-and-new-buyers.htm</link>
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		<title>Buy to Let Mortgages</title>
		<description><![CDATA[When one has the capital to make a significant investment, the thought of buying a property to let surely comes to mind. Letting out a property can be a fine source of capital growth, however it also requires much work on the part of the landlord. If it is your intention to purchase a property [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/mortgage-information-and-articles/buy-to-let-mortgages.htm</link>
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		<title>Homeowner Loans</title>
		<description><![CDATA[Homeowner loans and secured loans are in many cases the same thing but that is not always true. Some homeowner loans do not necessarily need to be secured on property.
Home owners that may have fallen into slight credit difficulty may still be considered for an unsecured loan on the basis that they own their home. This [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/homeowner-loans.htm</link>
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		<title>Bad Credit Secured Homeowner Loans</title>
		<description><![CDATA[With creditmarket.co.uk you don&#8217;t have to search through dozens of secured loan companies. As licensed credit brokers, we have access to hundreds of different loan plans from many of the top lenders and can match the right product with individual circumstances.
Click to find out more about: Bad Credit Secured Homeowner Loans available from creditmarket.co.uk
 















Borrow £7,500 [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/bad-credit-secured-homeowner-loans.htm</link>
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		<title>Secured Loans and Bad Credit– Why Choose a Secured Loan</title>
		<description><![CDATA[If you have missed some credit card or loan payments, if you have more than one CCJ or if you have defaulted on your mortgage payments, you may well find yourself in a category known as ‘high-risk’.
What this means is a lender will be taking more of a risk by providing you with a loan [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/secured-loans-and-bad-credit-why-choose-a-secured-loan.htm</link>
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		<title>What kind of loan do you need?</title>
		<description><![CDATA[If you live in the UK and are considering borrowing money for any reason, you may have considered contacting one of the companies that advertise their lending services on TV.
But these companies are actually advertising debt consolidation loans which may not suit your requirements. Even if you have debts, if you have no difficulties meeting [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/what-kind-of-loan-do-you-need.htm</link>
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		<title>Turned Down for a Loan</title>
		<description><![CDATA[Being turned down for a loan can be an unpleasant experience, especially if you are sure you have never missed a payment in the past or had any kind of &#8216;bad&#8217; or adverse credit.
Even though you may have been declined it does not necessarily mean you will not be able to get a loan elsewhere [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/turned-down-for-a-loan.htm</link>
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		<title>The most wonderful thing about loans is loans are wonderful things.</title>
		<description><![CDATA[It’s true loans are wonderful things. Think about it, they wouldn’t be so popular if people didn’t think they were a good idea!
The percentage of households that do not have a loan of some kind is dramatically small these days. The secret to making loans wonderful for you is to not spend more than you [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/the-most-wonderful-thing-about-loans-is-loans-are-wonderful-things.htm</link>
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		<title>The APR Benefit of a Large Sized UK Loan</title>
		<description><![CDATA[Securing a larger loan than needed from UK lenders makes “good” financial sense in the savings that a higher loan amount nets those entering into loan contracts with UK lending institutions.
First of all, an adjustable periodic rate loan, or APR Loan, “locks” in a rate of repayment of the loan for a set number of [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/the-apr-benefit-of-a-large-sized-uk-loan.htm</link>
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		<title>Using a Secured Loan for Home Improvement</title>
		<description><![CDATA[Carrying out home improvements on your home is a popular choice among many homeowners. Home improvements can sometimes be necessary before a property can be sold such as replacing an old roof or installing central heating but often improvements are simply made to add more space and make a home more enjoyable as well as [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/using-a-secured-loan-for-home-improvement.htm</link>
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		<title>Applying Online for a Loan</title>
		<description><![CDATA[If you live in the UK and you are looking for a loan, the Internet has now become the place to look. Loans can be for any purpose. Whatever the reason, the World Wide Web will provide you with the means to easily compare and contrast loan rates, features and conditions and will also simplify [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/loan-information-and-articles/applying-online-for-a-loan.htm</link>
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		<title>Secured Debt Consolidation Loans</title>
		<description><![CDATA[Stop searching for secured debt consolidation loans. As licensed credit brokers, we have access to hundreds of different debt consolidation loan plans from many of the top lenders and can match the right loan with individual circumstances.
Click to find out more about: Secured Debt Consolidation Loans available from creditmarket.co.uk
 















Borrow £7,500 to £250,000


Repay over 3 to [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/secured-debt-consolidation-loans.htm</link>
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		<title>10 ways to clean up your credit history in 2007</title>
		<description><![CDATA[The way you’ve handled credit – such as cards, loans and mortgages – in the past can have a real impact on your chances of borrowing what you need in the future. These simple tips should help to improve your credit rating.
1. Understand your credit report
Your credit report is the core of your financial CV. [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/10-ways-to-clean-up-your-credit-history-in-2007.htm</link>
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		<title>Build or Rebuild your credit rating with credit.</title>
		<description><![CDATA[For someone that has never had credit before or has had credit difficulties in the past, obtaining credit anew could prove tricky. So the thought of being able to build or rebuild their credit rating with further credit could seem like a bit of a catch 22 situation.
One of the most important factors that lenders [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/build-or-rebuild-your-credit-rating-with-credit.htm</link>
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		<title>Do you need a debt consolidation loan?</title>
		<description><![CDATA[If you are in financial difficulties due to debt or have built up a variety of debts over time, a debt consolidation loan may be for you. But before you take that route, you should consider all the options.
However you got into debt - unexpected financial difficulties, illness, loss of providing member of the family [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/do-you-need-a-debt-consolidation-loan.htm</link>
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		<title>Seven financial resolutions for 2007</title>
		<description><![CDATA[The New Year means a new start – but it can be hard to know where to begin. If you’d like to get your finances in order in 2007, here’s a checklist that could help you to achieve your goals.
1. Find out what you owe
You need to understand your financial position before you can improve [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/debt-information-and-articles/seven-financial-resolutions-for-2007.htm</link>
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		<title>Why You Should Transfer Your Bank Account</title>
		<description><![CDATA[Do you know if your bank account is giving you the best deal? Most people don&#8217;t and tend to stick to their current arrangements without realizing that by moving to a different bank or even a different kind of account with the same bank they could either earn better interest or save themselves money in [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/why-you-should-transfer-your-bank-account.htm</link>
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		<title>Switching or Moving Bank Accounts.</title>
		<description><![CDATA[Historically people in the UK have made loyal customers, choosing to support their decision and stick with the same bank account for many years if not a lifetime.
In recent years however there has been a shift towards shopping around for the best deal and in light of internet developments more and more people are able [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/switching-or-moving-bank-accounts.htm</link>
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		<title>Holding on to your Bank Account</title>
		<description><![CDATA[In the UK, banks like any other business, are having to earn customer loyalty. People often choose a current account with a bank and stick to it without considering the alternatives. This contrasts with their behaviour in other areas. They will shop around for the best savings, loans, mortgages and investments, yet plod along with [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/holding-on-to-your-bank-account.htm</link>
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		<title>Bank Accounts – Children Savings</title>
		<description><![CDATA[Visit the main creditmarket.co.uk page for a choice of: Childrens Bank Accounts &#038; Savings Accounts
Open a savings account for your children and give them the benefits of a financial head start.
As their parent, or the person who has parental responsibility the children, you will teach them the value of saving; ensuring that they will have [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/bank-accounts-children-savings.htm</link>
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		<title>Banking Online Brings Multiple Advantages</title>
		<description><![CDATA[Click for a list of features often associated with: bank accounts online
With so much negative publicity in the tabloids about banks closing their doors on the High Street, it is too easy to forget the positive aspects which lie behind these dismal (and over exaggerated) tales. In fact, between the Internet and the debit card, [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/banking-online-brings-multiple-advantages.htm</link>
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		<title>Bank Accounts – Avoiding Bank Charges</title>
		<description><![CDATA[Get MoneySavingExpert.com&#8217;s Bank Charge Claim Advice. (as seen on TV)
Unfortunately, bank charges seem to be a fact of life that is difficult to avoid. Many bank charges are hidden away in the small print or are unclear or misleading. However, there are some things you can do to avoid – or at least lower – [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/banking-information-and-articles/bank-accounts-avoiding-bank-charges.htm</link>
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		<title>For the Love of Buster: Pet Insurance and Peace of Mind</title>
		<description><![CDATA[Many will derive great joy from owning a pet this year. Some will receive a pet as a gift, others will say farewell to an old friend. The common theme amongst these pet owners is an uncommon companionship with their chosen pet.
More than half of all homes have at least one pet and many are [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/for-the-love-of-buster-pet-insurance-and-peace-of-mind-2.htm</link>
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		<title>For the Love of Buster: Pet Insurance and Peace of Mind</title>
		<description><![CDATA[Many will derive great joy from owning a pet this year. Some will receive a pet as a gift, others will say farewell to an old friend. The common theme amongst these pet owners is an uncommon companionship with their chosen pet.
More than half of all homes have at least one pet and many are [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/for-the-love-of-buster-pet-insurance-and-peace-of-mind.htm</link>
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		<title>Life Insurance or Insurance for Life?</title>
		<description><![CDATA[The insurance market has changed immensely in the UK over the past several years.
The proliferation in products, the changes in sales tactics, the de-regulation of the financial sector and the increasing litigation culture in the UK have all made a difference.
Companies no longer specialize. They offer a wide portfolio of Products, and not just insurance: [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/life-insurance-or-insurance-for-life.htm</link>
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		<title>Life Insurance UK</title>
		<description><![CDATA[Research by some of the UK’s leading financial organisations has found that millions of people are not insuring their lives, leaving their loved ones vulnerable.
Life insurance company Scottish Provident, part of the High Street bank Abbey, recently reported that as many as 50 per cent of the population do not have life insurance, which has [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/life-insurance-uk.htm</link>
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		<title>How do you know when you have enough insurance?</title>
		<description><![CDATA[When are you under insured? Is there such a thing as being over insured? How do you know when you have got it right?
While most of us are probably a little cynical about the sales tactics of insurance dealers – whether companies or brokers – one of the most useful concepts in the business is [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/how-do-you-know-when-you-have-enough-insurance.htm</link>
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		<title>A Variety of Car Insurance Providers: Which One Do You Choose?</title>
		<description><![CDATA[When it comes to car insurance, the law requires that you must have the minimum of third party insurance if driving in the UK. If you were to cause an accident, this insurance would cover the loss and injury of others involved. However, just because you have to have it, doesn’t mean you have to [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/a-variety-of-car-insurance-providers-which-one-do-you-choose.htm</link>
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		<title>Car Insurance Check-List</title>
		<description><![CDATA[This is a list of items and information that can help when obtaining a quote for car insurance online

Details of vehicle make, model and year of manufacture
Full address of where the vehicle is kept overnight
Details of any alarm or immobiliser
Details of all drivers and their histories including driving convictions or claims
Estimated annual mileage and vehicle [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/car-insurance-check-list.htm</link>
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		<title>Surf the Best in Insurance Deals</title>
		<description><![CDATA[The insurance market in the UK has been revolutionised over the past decade. Insurance has moved away from the door to door or office to office sales model to multichannel access via branch, broker, email, web portal and telephony.
In addition, the range of products offered by insurance companies now extends far beyond the big three [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/insurance-information/surf-the-best-in-insurance-deals.htm</link>
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		<title>Getting Your Credit Cards Inline Online</title>
		<description><![CDATA[If you believe the recent financial headlines in the tabloids, people in the UK are becoming more cautious about using their credit cards, preferring to use their debit cards instead rather than build further debt.
This is unfair. Credit cards have long since ceased to be the bad boys of credit management, whether short term debt [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/getting-your-credit-cards-inline-online.htm</link>
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		<title>Evaluating Balance Transfer Offers on Credit Cards</title>
		<description><![CDATA[When looking to get a new credit card, there are many things to watch out for. Whether this is your first card or you’re simply looking to transfer your balance of an old card onto a new one, there are many items you’ll want to beware of, including how long your 0% interest will be. [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/evaluating-balance-transfer-offers-on-credit-cards.htm</link>
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		<title>Credit Card Changes May Leave UK Consumers Chafing</title>
		<description><![CDATA[There have been two significant changes in the credit card market in the UK. The first is the sounding of the death knell on zero percent deals. The second is the government initiative to end or significantly lower credit card charges on retailers.
In the recent past, credit card companies habitually offered new customers zero percent [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/credit-card-changes-may-leave-uk-consumers-chafing.htm</link>
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		<title>Choosing the Right Credit Cards for Your Lifestyle</title>
		<description><![CDATA[People are often advised to select a credit card which is right for them based on their spending habits. But you should choose credit cards based on your different spending purposes and have a card for each. Fortunately the UK market for credit cards has expanded rapidly in the last few years and offers credit [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/choosing-the-right-credit-cards-for-your-lifestyle.htm</link>
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		<title>Credit Card Wars Low Fixed vs Zero Introductory</title>
		<description><![CDATA[You call a credit card centre and seek information about their line of cards. You want to know whether it would make more sense to pursue a low fixed rate credit card or if you should look into a card that features a 12 month 0% APR introductory offer to pay off a higher interest [...]]]></description>
		<link>http://www.creditmarket.co.uk/articles/credit-card-information/credit-card-wars-low-fixed-vs-zero-introductory.htm</link>
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