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So we can carry out an accurate comparison, please choose your existing account provider debt help

Existing provider and account Please select Abbey Basic Account Abbey The Abbey Account (16-18) Abbey The Abbey Account (Graduate) Abbey The Abbey Account (Student) Abbey The Abbey Current (Cr Opt) Abbey The Abbey Current (Db Opt) Alliance Leicester Basic Cash Account Alliance Leicester Current Account Alliance Leicester Premier 21 Current Alliance Leicester Premier 21 Current (16-17) Alliance Leicester Premier Current A/c Alliance Leicester Premier Direct Current A/c Bank of Ireland (GB) Freeway Account Bank of Ireland (GB) HICA Bank of Ireland (NI) Clear Account Level 1 Bank of Ireland (NI) Clear Account Level 2 Bank of Ireland (NI) Clear Account Level 3 Bank of Ireland (NI) Graduate C/A Bank of Ireland (NI) Student (11-19) Account Bank of Ireland (NI) Student C/A Barclays Bank Additions Barclays Bank Additions (Option A) Barclays Bank Additions (Option B) Barclays Bank Additions (Option C) Barclays Bank Additions Plus (Option A) Barclays Bank Additions Plus (Option B) Barclays Bank Additions Plus (Option C) Barclays Bank Bank Account Barclays Bank Bank Account (Option A) Barclays Bank Bank Account (Option B) Barclays Bank Cash Card Barclays Bank First Additions Barclays Bank First Additions (Option A) Barclays Bank First Additions (Option B) Barclays Bank First Additions (Option C) Barclays Bank Graduate Account Barclays Bank Graduate Additions Barclays Bank Student Additions Barclays Bank Young Persons Account Barnsley BS Falcon Club Brown Shipley Deposit Account Brown Shipley Personal Current Account Cahoot Current Account (authorised overdraft rate 11.80%) Cahoot Current Account (authorised overdraft rate 13.80%) Cahoot Current Account (authorised overdraft rate 14.80%) Cahoot Current Account (authorised overdraft rate 9.80%) Cahoot Current No Chequebook (authorised overdraft rate 11.80%) Cahoot Current No Chequebook (authorised overdraft rate 13.80%) Cahoot Current No Chequebook (authorised overdraft rate 14.80%) Cahoot Current No Chequebook (authorised overdraft rate 9.80%) Cater Allen Private Bank Investment Cater Allen Private Bank Private Bank Account Chelsea BS Classic Citibank Citbank Access Citibank Citibank Plus Citibank Citigold Clydesdale Bank Current Account Plus Clydesdale Bank Readycash Clydesdale Bank Student Account Co-operative Bank Bonus A/c Co-operative Bank Cashminder Co-operative Bank Current Co-operative Bank Privilege Co-operative Bank Student Coventry BS Coventry BS (interest paid monthly) Coventry BS (interest paid yearly) Coventry BS First Cumberland BS 24/7 Current Account Cumberland BS Current Cumberland BS Reward Current Dunfermline BS L Account First Direct Bank Account (0.10% on credit balances ) First Direct Bank Account (1.98% on credit balances ) First Trust Bank (NI) Basic Bank Account First Trust Bank (NI) Bonus First Trust Bank (NI) Graduate Account First Trust Bank (NI) Packaged Account First Trust Bank (NI) Student (11-18) First Trust Bank (NI) Student+ Account Halifax Asset Reserve Halifax Cardcash Halifax Current (authorised overdraft rate 15.90%) Halifax Current (authorised overdraft rate 18.90%) Halifax Easycash Halifax High Interest Current A/c (authorised overdraft rate 15.90%) Halifax High Interest Current A/c (authorised overdraft rate 18.90%) Halifax Moneyback Halifax Student Halifax Ultimate Reward Current A/c HSBC Amanah Bank Account HSBC Bank Account HSBC Bank Account Plus HSBC Banking for 18 - 21 HSBC Basic Bank Account HSBC Gap Year Service Bank Account HSBC Graduate Service HSBC International Student Service HSBC Passport HSBC Premier Bank Account HSBC Student Service Intelligent Finance Current Account Investec Bank (UK) PICA Leeds BS Albion Cheque Leeds BS Premier Current Account Lloyds TSB Cash Account Lloyds TSB Classic Lloyds TSB Classic Plus Lloyds TSB Gold Service Lloyds TSB Gold Service Plus Lloyds TSB Graduate Lloyds TSB Islamic Account Lloyds TSB Islamic Student Account Lloyds TSB Platinum Current Lloyds TSB Platinum Plus Current Lloyds TSB Premier Plus Current A/c Lloyds TSB Select Lloyds TSB Select Plus Lloyds TSB Silver Current Lloyds TSB Student Nationwide BS FlexAccount (0.25% on credit balances ) Nationwide BS FlexAccount (1.25% on credit balances ) Nationwide BS FlexAccount (authorised overdraft rate 7.75%) Nationwide BS FlexAccount (Youth) Nationwide BS FlexAccount Cash Card NatWest Advantage Gold NatWest Advantage Private NatWest Current Plus NatWest Current Plus - Adv Blue NatWest Graduate NatWest Step NatWest Step - Advantage Blue NatWest Student Northern Bank (NI) Northern Choice Northern Bank (NI) Northern Choice Plus Northern Bank (NI) Northern Personal Access (interest paid quarterly) Northern Bank (NI) Northern Personal Access (interest paid quarterly) Northern Rock Current Portman BS Signature Gold Royal Bank of Scotland Graduate Royalties Royal Bank of Scotland IPCA Royal Bank of Scotland Key Royal Bank of Scotland Private Bank Account Royal Bank of Scotland R21 Royal Bank of Scotland R21 (16-17) Royal Bank of Scotland Royalties Royal Bank of Scotland Royalties Gold Royal Bank of Scotland Royalties Premier Royal Bank of Scotland Royalties Private Royal Bank of Scotland Student Royalties Secure Trust Bank Current Smile Current Smile Smilemore Smile Student Account Ulster Bank (NI) Basic Bank Account Ulster Bank (NI) Current Ulster Bank (NI) Current Plus Account Ulster Bank (NI) Dual Account Ulster Bank (NI) Graduate Account Ulster Bank (NI) Student Account Ulster Bank (NI) ufirst Current Ulster Bank (NI) ufirst Gold Current Wesleyan Savings Bank Cheque Account Wesleyan Savings Bank Privilege Account Woolwich Current Woolwich Openplan Current (interest paid monthly) Woolwich Openplan Current (interest paid yearly) Yorkshire Bank C/A Plus Private Offset Yorkshire Bank Current Account Plus Yorkshire Bank Readycash Yorkshire Bank Student Account

! help icon Explain the different types of accounts to me help icon Why do you want to know about my existing account help icon Worried about switching accounts counseling debt

uSwitch Limited 2007; uSwitch is a Scripps media company Press room | Careers | Affiliates | Privacy | Terms conditions Branch Save Money Manager Call Save Money Manager Call Save Money Manager consolidation consumer debt

Standard current accounts offer all the basics youa d expect such as a cheque book, debit card overdraft facility and interest if you are in credit. Current accounts with fees generally offer more features than a standard current account. Youa ll be charged an annual fee, which is payable on a monthly basis, and receive useful services for free such as travel insurance, breakdown cover, and discounts on loans. debt settlement

Student and graduate current accounts

Student accounts are there to help students cope with overdrafts and manage their money. You need to be aged 18 and over, and in higher education to open a student account. Benefits normally include an interest free overdraft, campus branches and money saving vouchers. debt free

On graduation many students move to a graduate account so they can retain an interest free overdraft while they repay any debt they accumulated while studying. consolidation debt service

Youth current accounts

Sometimes known as a a Young persons accounta these accounts are designed for 16 to 19 year olds, although the age bracket varies between providers. Easy to manage, youth accounts are the ideal introduction to banking. Some may offer a limited access to money through a debit card and many offer incentives such as free CDs, discounts and vouchers to join. company consolidation debt

Winning results The dos and dona ts for managing your money while in the workforce. Debt, debt advice, tax advice, financial planning, debt management Home

| About uSwitch.com | Contact us | Index Debt advice for 18 to 30 year olds consolidation debt online

Dos and dona ts for the 18 to 30s

Start with the right attitude and controlling your expenditure will become second nature. consolidation debt free

Dos and dona ts Debt advice centre

Here are ten dos and dona ts to get you thinking about your finances. debt problem

Dos Do

prioritise your spending Do take note of where your money goes Do switch to cheaper suppliers and providers Do look at ways you can save money Do save for short and long term expenses Do understand the costs of living away from your parents Do work out your budget Do know your rights and responsibilities when renting credit debt

Do

make sure youa re paying the right amount of tax Do try and keep a balance in your life and spending. Resting is just as important as partying! advice debt

Don ts Don t

ignore debt Don t move out before you can afford it Don t wait until you are breaking up to discuss money issues with your partner Don t be afraid to ask for help card credit debt eliminate

Don t

underestimate your living expenses Don t let money worries affect health and fitness Don t waste away your money on alcohol, drugs, gambling or uncontrollable shopping Don t wait until youa re 60 before thinking about your pension Don t underestimate the cost of having children Don t become blinded by stress debt recovery

Insider s guides Illustration of a piggy bank wrapped in bandages

Our in-depth guide to credit reports Read this guide counseling credit debt

RESOURCES Further reading Living the high life Financial considerations How does debt start Moving on up

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How an Administrative Order can help you if you are in debt. debt, debt law, legal help with debt, legal debt options, bankruptcty, administrative order, composition order Home

| About uSwitch.com | Contact us | Index Using the law to help with your debt debt reduce

Can the court help with your debt

In some situations, the courts can take over the administration of your debt payments to your creditors at a rate you can afford. get out of debt

Administrative Order Debt advice centre

If your debt is less than 5, 000, you can apply for a court order that covers your debts. You make a monthly payment to the court and they distribute the money amongst your creditors. debt destroy

Who ita s for

People who have had a County Court Judgment (CCJ) against them and have a number of small debts that are less than 5, 000 in total. debt negotiation

How it works

If your Administrative Order (AO) is successful, you make regular payments to the court at a rate you can afford. The court distributes your money to your creditors and takes 10% of your payment as an administration fee. debt elimination

If creditors dona t want to be included in the AO, the court may set a hearing to listen to their objections. The court will decide if they should be included. You can also request a Composition Order, which limits your payment period. After a fixed period, which is normally three years, your debt is written off. consolidation debt mortgage

Advantages of an Administrative Order

• While the Administrative Order (AO) is in place, no creditor included in it can take action against you, without the leave of the court collection debt

• Your creditors cannot pursue you for money card consolidate credit debt

• If you fail to make your payments the order may be cancelled and you will be subject to the same restrictions as someone who is bankrupt consolidation debt help

• Your credit raying will be affected. When you apply for an AO, you will be issued with a County Court Judgment first, which affects your credit rating consolidation credit debt

The County Court may make an Administrative Order (AO) if you have a judgment against you. Or you can apply for an AO yourself. You need to get an N92 form from your local court. Back to top | Debt advice centre bill consolidation debt

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Debt advice: Contacting your priority creditors How to contact your priority creditors to help sort out your debt problems. Home

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Stay in touch

Keep in contact with your creditors a they usually want to help you resolve the debt as much as they can. Make sure you keep them informed of your situation. bad debt

Contacting your priority creditors Debt advice centre

Firstly, you need to calculate how much money you can devote to your debts. Once you know how much money you have left over after you have subtracted enough for your essential living costs, you can divide the money between your priority creditors. Write a list of all your bills and sort them into priority and non-priority debts. Include the final sanction date, so you can deal with the ones nearing their penalties first. consolidation debt quote

Now you need to write letters to your priority creditors to tell them that you are having problems paying the debt you owe them but are sorting it out. You should include the reasons for your financial difficulties and your payment offer. Even if ita s a token 1 offer, it shows you are serious about dealing with your debt. It will increase the chances of the creditor being receptive to your debt repayment proposal. card credit debt elimination

Send your letter with your financial statement and list of priority debts to each creditor. Back to top | Debt advice centre consolidation debt lead

Insider% guide to credit reports - identity fraud: the dangers and how to prevent them Debt advice centre Printable version

Identity fraud is said to be one of the UK% fastest-growing crimes. A quarter of the UK population has been affected by identity fraud or knows somebody who has, according to the www.stop-idfraud.co.uk website. It happens when someone obtains personal information about you which is then used to apply for credit and other services in your name. Of course, lenders use a range of techniques to identify and prevent identity fraud. However, criminals do find ways around these procedures, so some fraudulent credit applications are accepted. consolidation debt non profit

If you believe that someone may be using your identity to get credit or impersonate you, you should immediately get hold of a copy of your credit record. Once it arrives, check it very carefully for records of any recent credit accounts or applications which do not belong to you. Also, if you are worried that your post is being intercepted or redirected, contact your local Post Office for advice without delay. debt loan student

If you identify any suspicious accounts, ask the credit reference agencies to add a note to your credit report warning that you are a victim of identity fraud. This will make it harder for anyone to apply for further credit in your name. Also, you may wish to contact your local police station for a crime reference number, although this isn% essential. credit debt services

Protect your paperwork

If you have had personal identification documents stolen in a mugging or burglary, you can guard against fraud by registering with CIFAS, the Credit Industry Fraud Avoidance System. CIFAS is a not-for-profit group managed by Equifax which is dedicated to the prevention of financial crime. consolidation debt loan online

By quickly registering for the Protective Registration Service and paying the administration fee of 11.75, you can prevent a thief from obtaining credit, goods and other services in your name. A CIFAS warning will then be placed against your address for your own protection. CIFAS members will see this warning when searching against your address and will refer any credit applications for further investigation. Although this may cause delays when you apply for credit, it will prevent fraudsters from causing further damage to your credit rating. consolidation debt home loan

Sometimes, fraudsters use the identity of a deceased person to commit identity fraud, so CIFAS Protective Registration may be requested by a relative or executor against the deceased% last address. CIFAS 4th Floor, Central House 14 Upper Woburn Place London WC1H 0NN Website:www.cifas.org.uk As you can see, your personal information can be extremely valuable in the wrong hands, so it pays to protect your paperwork and personal data. Buy a personal shredder and use it to shred unwanted bills, junk mail, receipts and statements. Anything with your name and address or any other personal data on it could prove useful to fraudsters, so guard your mail jealously. Furthermore, when moving home, sign up to the Royal Mail Redirection Service for at least a year to ensure that your post is forwarded to your new address. debt national

As well as safeguarding your paperwork (especially valuable documents such as your birth certificate, driving licence and passport), you should watch your step online. Don% give personal details to websites that you do not know to be trustworthy, especially those based outside of the UK. In short, be wary of unknown websites, telephone callers and transactions. Also, keep your security details, login information and passwords private. company debt management

Finally, a growing number of firms now offer identity protection services at a cost of around 40 to 60 a year. However, consumer organisations rate these services as offering poor value for money, so they can be safely ignored. For more information on identity fraud, visit the Home Office-run website at www.identitytheft.org.uk. christian consolidation debt

Find cheap credit cards and loans

Now that you know where to stand with regards to your credit record, you% e all set to find yourself better deals on credit cards and loans. Try our credit card and loan comparison services today. agency collection debt

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The gas and electricity industry explained by uSwitch.com Learn about the gas and electricity industry, compare suppliers and save money on your energy bills with uSwitch.com. Home

| About uSwitch.com | Contact us | Index Gas and electricity explained consolidation debt information

Dona t get left out in the cold

Knowing about the UK Gas and Electricity industry can ensure you pick the right supplier. uSwitch.com will help you get the best energy deal. agency consolidation debt

Gas and electricity explained Switch suppliers Gas and electricity a the energy industry explained

More than 2, 000 power stations across the UK generate our energy. They are powered by gas, coal, and nuclear energy. Around 4% of our electricity comes from renewable energy installations including hydro power schemes and wind farms. The six largest energy suppliers in Britain are British Gas, Powergen, npower, Scottish Southern Energy, ScottishPower and EDF Energy. Together they control 99% of the market. The market for renewable energy is growing all the time. consolidation debt solution

Gas and electricity a your options

Gas and electricity price rises have left customers with larger and larger bills which many now struggle to pay. But there is good news. People could save up to 325 a year by switching their energy suppliers. Wea ll show you how to get the best deal and find the supplier thata s right for you with our free and impartial switching service - and explain all your options from dual fuel to Economy 7. california consolidation debt

Energy plans and tariffs explained

Some suppliers offer special dual fuel plans, offering incentives and reduced prices for combined electricity and gas services. Economy 7 is an electricity tariff with different pricing structures according to the time of day. You can also choose green tariffs from the big six established suppliers, and there are smaller companies who specialise in this, set up specifically to help combat climate change. card credit debt relief

Switch your energy supplier with uSwitch.com

Our gas and electricity comparison and switching service provides a comprehensive, accurate and impartial comparison of suppliers based on your needs. Whata s more and unlike some other information sources, using our gas electricity supplier calculator, we can find the cheapest supplier for you that meets your requirements, whether thata s for green energy or the cheapest possible energy bills. Start switching now. consolidation debt loan uk

Who is the gas electricity regulator uSwitch.com has the answer Find out what the gas and electricity regulators are and how they can help you, with uSwitch.com Energy regulators Ofgem energywatch Home

| About uSwitch.com | Contact us | Index Knowledge is power collector debt

Knowledge is power

Find out who oversees the gas and electricity industry and what the watchdog and regulator can do for you with uSwitch.com consolidation debt equity home

Gas electricity regulators Switch suppliers What do energy consumer organisations do

Both Ofgem and energywatch offer information, support and advice for consumers in dealing with gas and electricity suppliers. Together, they run Energy Smart, a campaign to get people using less energy, get the best deal and pay by the cheapest method. As part of this, they recommend switching to the cheapest supplier. consolidation debt government

What can they do for you

energywatch offers practical information on safety and switching your gas electricity supplier. It can also intervene on your behalf if you ve followed your supplier s complaints procedure and are dissatisfied with the response. Ofgem is the regulator for the gas and electricity industries. Since 1999, Ofgem has taken steps to open up the energy markets and ensure fair competition between suppliers. consolidation debt firm

Ofgem and the energy industry

Ofgem has helped reduce wholesale electricity prices and works towards a competitive energy market. It aims to protect the consumer against mis-selling (e.g. where a supplier gives you misleading or false information to encourage you to switch) and situations where suppliers unfairly prevent you from switching away. But to take advantage of this, you need to know which supplier can offer you the cheapest gas electricity a Ofgem doesna t offer this service. Thata s where we come in a we help you switch and save on your energy bills. consolidation debt financing

How do we help you switch

uSwitch.com provides a comprehensive, accurate and impartial comparison of suppliers. You can search our list of licensed, reliable gas and electricity suppliers to find out if there is a cheaper supplier for you and switch now. All we need is your postcode and a few details about the gas electricity you use. Use the uSwitch.com independent and impartial switching service to find a cheap gas electricity supplier right now. consolidation consumer credit

• Switch suppliers
• Why switch
• Suppliers
• Plans
• Regulators

• Green energy
• Insider s guide
• Gas electricity guide
• Gas electricity explained
• News

Renewable green energy on uSwitch.com Use renewable green energy to power your home. Search for renewable energy tariffs on uSwitch.com to save money and the environment! Renewable green energy UK Ecotricity Juice unit(e) unite unit e npower Friends Earth Good Energy environment calculator switching switch bills save cheaper cheapest impartial comparison Home

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Green energy

Switching to a green energy tariff is an easy way to make a difference to the planet. Find out how you can make the change and still save money with uSwitch.com debt management program

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