Crackdown on High Interest Lending Announced by FCA

Crackdown on High Interest Lending Announced by FCA
“Rent-to-own” shops that sell appliances and furniture for small weekly payments but with a high interest rate face a price cap. However, the financial regulator will not rush to impose the same restrictions on bank overdrafts.

The Financial Conduct Authority (FCA) has spent nearly two years looking at the cost of high interest borrowing. It has now outlined a package of plans for rent-to-own, doorstep lending and catalogue shopping.

High-cost credit is used by three million people in the UK. Single-parents aged 18 to 34 are three times more likely to have a high-cost loan – such as a payday loan, doorstep loan or pawnbroking loan – than the national average.

“The proposals will benefit overdraft and high-cost credit users, rebalancing in the favour of the customer,” said FCA chief executive Andrew Bailey.

Campaigners had called for a cap on the interest and charges faced by those using high-cost credit, including overdrafts. They said that cap on the cost of payday loans, introduced in 2015, should be a template for the rest of the high-cost credit market.

About 400,000 people have outstanding debt with rent-to-own firms such as BrightHouse from which they buy household appliances, paying the money back over three years. After interest, they can end up paying many multiples of the cost price.

The FCA said it had seen cases when people had ended up paying more than £1,500 for essentials like an electric cooker that could be bought on the high street for less than £300.

“The FCA believes the harm identified in this market is sufficient in principle to consider a cap on rent-to-own prices. It will now carry out the detailed assessment of the impact that a cap could have on the rent-on-own sector and how it might be structured,” the regulator said.

Such a cap would not be in place before April 2019.

John Glen, Economic Secretary to the Treasury, said the measures would help the most vulnerable avoid being stung by “dodgy deals”. That includes people like Kenneth Murray, who says he had to buy a laptop from a rent-to-own firm business as he could not get credit from a high street electrical store.

“I had multiple debts that I was trying to juggle, and no stable source of income. I ended up taking out loans to pay loans,” he said, although he has now managed to halt this cycle.

Executive Search & Interim Management in the UK

Executive Search & Interim Management in the UK

Finding a new job within interim management within the UK can often prove really difficult, especially if you are trying to find something that really gives you the opportunity to make the most of your strengths and areas of expertise.  If you have recently been considering looking about to see what career opportunities are available you may want to consider finding a good recruitment agency that offers executive search services, they will often have a broad range of current and up to date vacancies on offer in management and interim management roles.

Recruitment agencies can have a reputation for only being able to provide temporary roles, offering more menial roles or only working within a specialist field such as teaching, but there are many agencies out there that are also able to offer executive search services to help fill roles both long and short term within management and interim management levels as well.  This has become a lot more popular over recent years as there is such a wide range of mediums available to advertise vacancies that many businesses were finding it difficult to find enough suitable candidates to fill their roles, likewise many job hunters have had the same problem when trying to find roles to apply for.

A successful agency offering executive search options will always aim to build successful and long lasting relationships with their clients so they will often be the first to hear of new and exciting opportunities that become available within their organisations so being signed up is a massive advantage, especially if you are working within a competitive industry.  They will also be able to give you any background knowledge that you may need about the company so you are well prepared for your initial meeting, they may also be able to pass a recommendation for you highlighting your skills which helps you make an excellent first impression.

As recruitment agencies aim to ensure that their clients are completely happy with the candidates they provide, a well-run agency will always aim to refer people that are really well suited to the role.  Their main aim is to get the most talented people working in roles that they really enjoy and do well, so you can be certain that any roles you are offered to undertake by a reputable agency will definitely be relevant to your skills and previous experience.  A larger agency will have links across the country and perhaps internationally so if you want to look a bit further afield to find something really perfect for you they will be able to help you with this as well.

Using the services of a recruitment agency offering executive search options has many advantages no matter what type of role you are looking for within interim management.  Whether you are newly qualified, returning to work after a break or currently employed as recruitment agencies get informed of many varied roles they will be able to help you find something part time, full time, temporary or permanent and as they will already have all your details within their files they will be able to forward all your information to prospective employers on your behalf helping you save time and effort during the application process.

So no matter what type of industry you work within if you feel it’s time to take a step up the ladder to just want a change why not pas your details to an agency offering executive recruitment services and see what interim management roles they are able to offer you?  Once you have completed the initial registration process you may find you are pleasantly surprised with some of the employment offers you receive! Whether you are looking for full time, part time, temporary or permanent work they could help you find a role that is suitable for you much more quickly and easily that you may first think!

Residential College for Young People with Disabilities

Residential College for Young People with Disabilities

At Hereward College they believe in providing young people with disabilities with the best possible opportunities to achieve their full potential as they progress into their adults lives and a more independent way of living.  Set up as a purpose built residential college that is designed to be as inclusive as possible to people with disabilities at Hereward they aim to give every resident a stay that is productive, challenging and rewarding while making sure they receive all the care and support they might need.

With a wide range of activities and classes on offer this residential college has all the facilities required to make sure that regardless of ability every student gets a chance to enjoy themselves and gain confidence during their stay. With the opportunity to make use of the extensive sports facilities, the onsite cafe and the excellent learning resource centre at Hereward they offer a varied curriculum to every student.  Each student will receive personal guidance throughout the duration of their course where they will be able to discuss their goals and ambitions, create their personal learning plans and discuss any barriers to learning they may be experiencing so they will be able to create a timetable that is supportive to their needs.

Each student is allocated their own en-suite room which will have any special adaptations required in place, they also have the option to cook in the accessible kitchen area and will have a laundry service provided as well. During their stay they will also get the chance to build on their life skills by learning more about budgeting, shopping, cooking and household chores.  There is also a dedicated therapy area and well qualified care staff so any routine physical care that is required can be provided on site so students won’t need to regularly take breaks from their courses due to medical appointments.

Hereward College is a college for young people with disabilities and additional needs based in Coventry. Since 1971 we have been offering inclusive provision and specialist facilities for both day and residential learners with complex disabilities and learning difficulties.

Our vision is to prepare our learners for the next stage of their lives, providing them with outstanding employability skills and greater control over their future. We have a focus on creating independent individuals who can make more of their own decisions about work, education, health and living.

We have extensive partnerships with employers and an expanding supported internship study programme. The internships build upon all the skills that the young people have developed in college and extend them even further in real work situations. We are extremely proud of the achievements of all our learners and our hugely committed and dedicated staff which support them.

So if you care for or work with young people with disabilities and would like to help them reach their full potential in a safe and supportive environment why not find out more about what Hereward Residential College has to offer? With a purpose build campus, a wide range of courses suited to many levels of ability and a committed team of expert, fully trained staff it is the ideal place for any young person with disabilities to really thrive and gain the skills they need to prepare them for adult life.  For more information on full time application or residential enquiries visit www.hereward.ac.uk or email admissions@hereward.ac.uk.

Tree Surgery Services Newcastle & North East

Tree Surgery Services Newcastle & North East
If you have problem trees, bushes or shrubs outside your property you may want to consider contacting a professional tree surgery service to make sure that the job is done safely and properly without causing any damage to your property or others around it as it is easy to underestimate how much work and expertise is required if you want to move or conserve trees and other greenery.

Based in the North East, Stan Timmins and sons is a company offering expert Tree Surgery Services to many satisfied customers, with over 50 year’s experience working within the industry they have all the knowledge and expertise required to help you find the solution to any problem you may have.  The owner and manager Stan Timmins hold numerous industry qualifications in a broad range of horticulture and arboriculture subjects including diplomas both from Royal Botanic Gardens Edinburgh and also the Royal Forestry Society.

Offering fully insured and registered tree surgery services to every customer and a guarantee that every job completed will be carried out to meet current best practices for Arboriculture work and to comply with the BS3998 (2010) regulations you can be certain that any work you need to have carried out will be done properly and as safely as possible.

With a wide range of service on offer including formative pruning, sectional dismantling of dead, dangerous and diseased trees, ivy Removal / severance, large tree removal and site clearance as well as many others you can be certain that no matter what problem you may have Stan Timmins and Sons will be able to help you find a workable solution.

With a straight forward pricing policy and excellent customer services you can be sure that at Stan Timmins and Sons they will be able to offer you excellent quality work for a reasonable price, and if you have any questions or queries at any stage of the process they will be happy to offer you all the information that you need.

So you are based in the North East and are looking for reliable and expert tree surgery service you may want to get in touch with Stan Timmins and Sons so you can be sure that the job is completed safely and to the highest possible standard.

When you’re about to embark on tree surgery, it can be a daunting experience to search for a qualified and registered tree surgeon. We believe at Stan Timmins Tree Surgeons that we can provide you with the quickest and most accurate tree surgery, to suit whatever work you need done. We offer the advantages listed above and we have had many customers who have praised us and thanked us for our work. You can see these customers at our Testimonials page.

With a wide range of service on offer including formative pruning, sectional dismantling of dead, dangerous and diseased trees, ivy Removal / severance, large tree removal and site clearance as well as many others you can be certain that no matter what problem you may have Stan Timmins and Sons will be able to help you find a workable solution.

With a straight forward pricing policy and excellent customer services you can be sure that at Stan Timmins and Sons they will be able to offer you excellent quality work for a reasonable price, and if you have any questions or queries at any stage of the process they will be happy to offer you all the information that you need.

We believe at Stan Timmins Tree Surgeons that we can provide you with the quickest and most accurate tree surgery, to suit whatever work you need done. We offer the advantages listed above and we have had many customers who have praised us and thanked us for our work. You can see these customers at our Testimonials page. For further information on the range of gardening and tress surgery services available please call 07966 207280 or visit the Stan Timmins Tress Surgery website today.

An Efficient Central Heating Boiler for your Home

An Efficient Central Heating Boiler for your Home

Now the winter months are finally coming to an end you may have been surprised how expensive your heating bills have been during the cold weather, this may be due to your gas central heating not being as efficient as it used to be and beginning to use more energy to keep your radiators warm. If this is the case you may want to consider replacing your existing system with a new central heating boiler to ensure that you can keep warm next winter without having to face excessive energy bills.

At Arktek Heating they offer an excellent range of the latest new central heating boilers from a carefully selected range of top manufacturers, many of these offering some of the latest and most modern energy safety features.  With a wide choice on offer and all new boilers coming complete with a full warranty you can be certain that you will be able to find a new central heating boiler that is completely suited to your property.

Not only do they offer high quality central heating boilers at Arktek they are also able to offer a professional and reliable fitting service so you can have you new gas central heating system up and running in no time at all. All fitters are fully qualified gas engineers who have all the skills and knowledge required to make sure that your new boiler is fitted according to all safety regulations and with the minimum of disruption to you and your family.

So if you would like to enjoy more efficient and economical heating for you and your family and would like to add a little value to your property, while enjoying lower energy bills why not consider investing in a new central heating boiler for your home?

At Arktek they aim to ensure that every customer is totally satisfied with any boiler they purchase so not only will they be happy to fully discuss all the available options with you before you make any decisions they will also carry out a pre-install survey at your home to ensure that everything will run smoothly when the installation day arrives. All new combi boilers come complete with a warranty and full service agreement so whatever boiler you may choose you will be able to take advantage of Arktek’s top rate after care service to help you make sure your boiler is kept in excellent working condition for longer.

With an excellent range of high quality combi boilers available from carefully selected manufacturers featuring some of the latest energy efficiency technology and other modern features no matter the size of your property you will be certain to find one that is perfect for your home. As Arktek aim to offer excellent value to all their customers they are happy to give you all the information you may require about the running costs and energy usage of the various boilers so you can be certain that you have chosen the most economical option for your home.

Contact Arktek Heating Services
For further information about the range of replacement gas boilers available from Arktek Heating Services, please call 0191 516 6911 or visit our heating & plumbing services website. We will be in touch with you as soon as possible.

Elmbank Car Sales of Glasgow

Elmbank Car Sales of Glasgow & South Lanarkshire

If you have been planning on replacing your current car and are looking for something a little more sporty that is still suited to your needs, reliable and excellent value for money you may want to consider taking a look at some of the used cars they have on offer at Elmbank Car Sales. With an extensive range of top quality used sports cars at very competitive rates you may find that your search for a new car takes far less time then you first expected.

At experts in used sports car sales, Elmbank Car Sales know exactly what is required to make sure that every customer is left satisfied with the service they received.  With an aim to deliver excellent customer care every time they sell a used car they are happy to offer additional benefits with each car as standard including a full MOT, three month warranty and full service and HPI checks so you can be certain they have done everything they can to ensure that your car to safe and completely road legal.

With a focus on offering a wide range of top quality used sports cars at they are able to offer a wealth of information about any of the cars they have available.  Originally starting out as a hobby which later evolved into a thriving business at Elmbank the staff are true sports car enthusiasts!  Whether you are looking for advice regarding what features the cars have on offer, insurance information or something a bit more technical at Elmbank they are certain to be able to answer any questions that you may have.

At Elmbank they also offer the added advantage of being able to provide car finance plans as well as the option to part exchange your current car.  With fair prices offered for part exchange deals and some very competitive finance options available, at Elmbank Used Car Sales they will do everything they can to make getting your ideal car as affordable as possible and as each case is assessed on an individual basis they will make sure that any finance plan you enter into is completely suited to your personal budget.

Offering a wide choice of makes and models in used sports cars at Elmbank Used Car Sales they are constantly on the look out for new stock to add to their existing range, as experienced buyers within the industry they know exactly what to look for to make sure that every car they purchase is of good quality and has the potential to one day be somebody’s true pride and joy. No matter whether you want a more traditional model, something a bit showy or a car that is suitable for family life as well at Elmbank they will do everything they can to a find you a used car that is perfectly suited to your requirements.

So if want to trade your car in for something new or fancy treating yourself to a second, faster car why not take a look at what Elmbank Car Sales of Glasgow & South Lanarkshire can do for you?  Simply take a look a their website at some of the excellent used cars they have on offer or call 07833 452613, then book an appointment with them to view any cars you may be interested in and you could be on the road in no time at all!

SEO What is it, and how will it help my business?

SEO Campaign – What is it, and how will it help my business?
In order to succeed in business in 2018 and beyond, SEO, and especially local SEO should be a required part of your marking strategy. SEO stands for search engine optimisation, which means that the website for your business can reach potential customers using search engines like Google and Bing. Since getting your business in front of the right consumers is the first step to winning them over as customers, you can’t afford to skip out on a solid SEO campaign.

How do we know you need SEO?
By analysing current and past trends, we can determine what searchers want. In recent years, “near me” searches have been on the rise. This type of search is like when a consumer Google’s something like, “dentists near me.”

You can replace “dentists” with any type of business or office.

What this boils down to is that people want fast access to information about local businesses that will meet their needs.

How can your business benefit from an SEO campaign?
Now that you know a bit about what an SEO campaign can do, it’s time to move on to understanding why it works and what the benefits are. SEO can:

Draw new customers to your website

Get customers the information they need

Help your business be available 24/7

An SEO campaign accomplishes all of this by making your website one that search engines love to show users. This translates to getting a high-ranking spot on search engine results pages, or SERPs.

More Customers Means More Growth

Many people often confuse marketing and sales because the point of marketing is to bring in customers to boost sales. However, you know as well as we do that it’s a different job altogether. Yet, everything in business is tied to the bottom line. Sales define a business’ success. They determine whether a business dives, survives, or thrives. The more customers you can bring into the business, the more sales your business can get. We know you know this.

What you might not yet know is that you need local SEO to keep bringing in customers. A business with strong search engine rankings is more likely to be found. Local SEO not only connects your business to consumers, but especially to local consumers. If you want to get people in the door, they need to find you online. They need to find you on search engines.

Google handles at least 2 trillion searches a year. That number has consistently been on the rise since the search engine’s inception. The power of internet search is not waning. You need to get on board with SEO if you want to continue to get customers in the door–whether virtually or physically.

The Benefits of Website SEO
Search engine optimisation is very important if you want to increase your visibility in the online world. While the methods of getting your brand message out there have evolved as search engines have become more and more sophisticated, the basic idea is still the same. When someone searches for something in your industry or product category, you want your website to rank near the top of the search engine listings.

  • Over 90% of internet users take advantage of a search engine to find what they want on the web and that figure is fairly constant across the globe, including the UK.
  • While competition for keywords in your industry might well be high, there are a number of other factors involved in SEO that need to be addressed if you want to boost your rankings significantly.
  • Strong SEO is part of the entire marketing mix and can feed into other aspects of your strategy such as local searches and visibility on social media.
  • Website SEO is a mix of standard inclusions such as site maps and good content that needs to meet appropriate standards as well as ongoing initiatives such as building strong inbound links, internal linking, image tagging and regularly updated and engaging content.

Time to Get Your Website Noticed
Direct Submit prides itself on the underlying process by which we approach each and every SEO project we are involved with. We understand that each client will have specific, individual needs and our approach in creating and implementing the correct SEO strategy is vital to the success of the SEO project.

This approach and attention to detail is what has helped Direct Submit become a leading Search Engine Optimisation (SEO) company. Call us today on 0845 2722350 and get your website working harder for your business.

I Want a Door. COM

uPVC, Double Glazed and Composite Doors
If you want to improve the appearance of your home, have the peace of mind of added security and also help keep your home warmer to conserve energy why not consider investing in a new front door for your home? At I Want a Door they have an excellent variety of high quality uPVC door, double glazed doors and composite doors at incredibly competitive price so you can be certain they will help you make sure that your new front door is a really worthwhile investment in your home that you won’t regret you made.

With a such wide choice of doors available at At I Want A Door you will be certain to find a new door that not only complements the style of your property but also appeals to your personal sense of style as well so you can add your own individual touch to the outside of your property that will last for years to come.  With the opportunity to completely design your own composite door you have the option to choose the overall design, colour and type of glass, and with a choice of over 30 designs, 39 colours and a variety of glass in different colours and textures you really can have your front door exactly how you want it, and you also have the option to add a complementing canopy to your front door to really complete the look.

All doors come fully fitted with police approved multipoint locking systems and high security anti snap cylinder so you can be sure that no matter what type of Composite door you may decide to fit it will instantly make your home more secure, you can also enjoy the benefits of a fitted spy hole, anti-intruder chain, toughened glass and the most modern construction methods so you can be sure that any unwanted visitors would have real problems trying to enter your home, helping to keep you and your family safe no matter what may happen.

With a full fitting service available, including the disposal of your old front door, at At I Want A Door you can be certain that your new uPVC doors, double glazed door or composite door will be fitted to the highest possible standards and their expert fitters will ensure that your home is left clean and tidy and completely draught free, also in the unlikely event you are unhappy with any work that has been carried out at I Want A Door they will do everything they can to put the problem right.

Having a professionally fitted secure front door will also help you to save money on your home insurance and your energy bills so it an improvement that really saves you money.  So if you want to make some changes to your home why not take a look at the excellent composite door fitting service available at I Want A Door, with the opportunity to create a door that really fits your specifications down to the addition of a cat flat or other special features, a reliable fitting service and an easy and straight forward wording process giving the outside of your home a quick facelift could be far easier than you may first think.

so if you want to make an investment in your home that will not only improve it appearance but will also add to you and your family’s quality of life without spending a fortune or undertaking major works why not consider getting some inspiration from iwantadoor.com and take a look at the great range of composite doors on offer. With so many designs to choose from and a flexible fitting service available you could find giving you home a quick facelift is easier than you may first think and you may be surprised how effective the results are once the work is complete!

I Want a Door.COM provides a range of strong, secure and energy efficient made to measure composite doors. Cut out the salesmen and their commissions; buy your composite door direct from the North East’s leading composite door manufacturer. To find out more information, call 0191 2862122 today or visit the I Want a Door website.

Searching for Made to Measure Blinds in Wales

Searching for Made to Measure Blinds in Wales
Dressing your windows is the perfect way to add the finishing touch to any newly decorated room and really pull together the overall design and colour scheme, along with giving you the privacy you need. Using made to measure blinds is an ideal choice if you are looking for something that is practical but looks great as well, and at Cadwallader Blinds they have an excellent variety of top quality window blinds to choose from.

No matter the style of your property or the design of your interior with such a wide range of made to measure blinds to choose from in a variety of colours, if you are based in Wales it’s definitely worth taking a look at what they have to offer at Cadwallader. With the option to purchase blackout blinds, venetian blinds, roller and even Velux window blinds among many others, whatever design you may decide on you can be certain that your new blinds will complement the rest of your home perfectly.

With a professional and reliable fitting service on offer at Cadwallader Blinds they will make sure that your blind are fully installed with the minimum of disruption to you and your family once you have made your final choice of design. With a dedicated team of friendly and fully trained blind installers you can be certain that they will make sure that your blinds are working properly and look fantastic before they leave.

With a focus on providing excellent customer service every time, at Cadwallader Blinds they will be happy to fully discuss all the available options to ensure that you are happy with any blinds you may purchase. As different designs have different advantages to offer or are better suited to certain rooms, if you have questions regarding what style of blinds would be most suited to your needs or need more information about any other part of the process they will be more than happy to help.

So if you are looking for made to measure blinds in Wales why not take a look at some of the stylish and high quality blinds available at Cadwallader Blinds? With competitive prices, excellent customer reviews and a no obligation quote available on request you definitely won’t be disappointed with the service you receive.

Cadwallader Quality Window Blinds supply a full measuring, quotation and installation service throughout Wales and the South West, including; Blinds in Powys, Blinds in Carmarthenshire, Blinds in Ceredigion, Blinds in Shropshire, Blinds in Swansea, Blinds in Neath, Blinds in Port Talbot and Blinds in Cardiff.

We offer our window Blinds in Wales at competitive prices with a no obligation free quote. As we are a family run business you can be sure we offer a personal and professional service from start to finish

If you would like more information in regards to our window blinds service, please visit our website at www.cadwalladerblinds.co.uk or email us at info@cadwalladerblinds.co.uk; alternatively, you can call Direct on 07517 112456. It may be the best investment you ever make.

Executive Search and Interim Management

Introducing UK Executive Search and Interim Management

Working for a company with little scope for promotion or being stuck in a role that you are over qualified for can be really demoralising and reduce your motivation to do well in your career so sometimes finding a new challenge can be the perfect way to renew your passion for working life.  So if you have recently begun to feel that you are beginning to outgrow your current job role but find the process of looking for suitable vacancies can be frustrating and time consuming finding out more about agencies offering executive recruitment services might be a good idea.

Many good recruitment agencies understand this and will do everything they can to help you get the role that you deserve, so if you would be interested in finding a new and exciting role within interim management approaching an agency that is able to offer executive could be your next step to achieving your goal.  They are able to let you know when suitable vacancies arise, put you in touch with prospective employers and also pass all your relevant information such as your CV, identification, reference details and certificates directly to the employer on your behalf helping you to save a lot of time and effort.

Agencies that specialise in executive recruitment will aim to make excellent working relationships with the clients they work with so they will often be the first or only place that specific vacancies are advertised, they will also often contact them with short term contracts to cover sickness or other leave within their organisation which is the ideal way to build links within your industry. Being able to access vacancies before they are advertised elsewhere gives you a massive advantage when looking for vacancies within the competitive jobs market so signing with an agency that has a proven track record of successfully offering executive search services is essential if you want to be to find the perfect role for you.

If you are looking for jobs within interim management or at any management level you will already know that opportunities are sparse unless you look in the right places, at this more essential level of the workforce business are reluctant to take on anybody without a proven track record in a similar role.  However when they need short term cover quickly they are more likely to give somebody with less experience a chance.  If you are signed up with an agency offering executive search they will often get roles like this at very short notice, and if you are able to undertake that job for them it is the ideal way to add experience and skills to your CV, this can be especially helpful if you have just qualified or are returning to work after a break.

So no matter what type of industry you work within if you feel it’s time to take a step up the ladder to just want a change why not pas your details to an agency offering executive recruitment services and see what interim management roles they are able to offer you?  Whether you are looking for full time, part time, temporary or permanent work they could help you find a role that is suitable for you much more quickly and easily that you may first think!