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Far from being an unsecured loan, further borrowing or an overdraft with their mortgage lender could in fact be secured against their property if the original mortgage agreement included an Ill Monies Charge clause. credit pacific service union

t shocking that borrowers who believe their additional borrowing is safely separated from their mortgage are actually agreeing to risk the security of their home something many people would never consider doing, says Moneynet.co.uk chief executive Richard Brown. credit first service union

The Ill Monies Charge clause in the mortgage agreement documents issued by some lenders means the lender secures all debt against the mortgaged property, including any additional borrowing such as personal loans or overdrafts. This means they are entitled to repossess the property should the borrower default. card credit mobile service

eople may think better the devil they know when deciding which lender to choose for an unsecured loan but unless they read all the small print they could be unaware that they are to all intents and purposes signing up for a secured loan rather than unsecured, he says. card credit discover service

In a year which could be a challenge to many homeowners as the economy faces turbulent times, awareness of this silent but deadly clause could make the difference between losing and keeping their homes. credit public service union

nyone in the process of taking out a mortgage should ask their solicitor to find out if the lender applies an Ill Monies Charge adds Brown. f they do, it worth asking the lender to remove the offending clause. /p card credit processing service

Mark Beaton, Head of Residential Conveyancing and a partner with East Anglian firm Ashton Graham, said: This issue is not always investigated by a borrower and can come as a surprise at a later date. I would therefore advise clients to raise the question with their mortgage broker or potential mortgage company at an early stage. center credit service union

Brown concludes: f the lender refuses to remove the clause I would recommend finding a lender that does not include this exacting requirement. If this isn feasible, at least borrowers will know that any additional borrowing must be sourced elsewhere in order to protect the security of their home. /p card credit service wireless

* BBA/BSA data, April 2007 credit security service union

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PRESS ENQUIRIES

Richard Brown, Chief Executive, 0208 313 9030 David Andrews/Cathy Tully, David Andrews Media Ltd 07941 255855 / 01273 774109 / 07747196854 Consumer enquiries: info@moneynet.co.uk / www.moneynet.co.uk Moneynet.co.uk is the UK s longest established online personal finance research and data analyst company. The company offers consumers a choice of thousands of low cost financial services products. From mortgages, personal loans to motor, home and medical insurance, credit cards, savings accounts and best buy fixed rate products, Moneynet is one of the most comprehensive online services of its kind in the UK. Founded by chief executive Richard Brown, the Moneynet brand is destined to become one of the UK s major players in consumer finance products. credit report service

ONLINE gamblers could risk losing more than their stake if they use a credit card to fund their flutters, warns Moneynet.co.uk. The personal finance comparison site reveals that the majority of credit card providers now treat online gambling transactions in the same way as a cash advance, which usually attracts a higher rate of interest than other purchases. Furthermore, whilst most cards offer up to 56 days interest free on purchases there is no such leeway given on gambling transactions, meaning that punters will be incurring interest from day one. blogspot com christian

nless gamblers are aware that these transactions are treated differently from normal everyday purchases they will be losing money hand over fist as the top rate of interest stacks up, says Moneynet.co.uk chief executive Richard Brown. christian counseling credit

Big name providers including HSBC, Nat West and First Direct all stand to make a profit from their customers gambling habits by loading the interest rate, whilst the Co-op and Nationwide both impose a cash withdrawal handling charge. credit federal service union

Credit Cards - Gambling Transactions Provider Card Purchase Interest Rate Cash Interest Rate Cash withdrawal handling charge Cash withdrawal handling charge applied to gambling Co-op

Flat Rate 11.90% 11.90% 2.5% Min Yes Nationwide Gold 15.90% 22.90% 2.5% Min Yes First Direct Credit Card 17.90% 21.90% 2.5% Min .50 No credit monitoring service

Nat West

Classic 12.90% 24.94% 3% Min No Nationwide allocate repayments to highest interest rate bearing balances first All other cards allocate to lowest interest rate bearing balances first All cards listed charge rate applicable to cash withdrawals on gambling transactions In addition Co-op and Nationwide impose cash withdrawal handling charge Source: Moneynet.co.uk, 24 January 2008 credit division service

n online gambler racking up, 000 worth of debt on a credit card at a 22 per cent cash advance rate will repay interest of at least, 100 a year unless they clear the debt, he says. n other words, the gambler will need to win their stake back plus at least 22 per cent just to stand still. With the Chancellor decision to allow a raft of casinos to open up across the UK, the number of gamblers is undoubtedly set to rise as gaming becomes an increasingly mainstream leisure interest card credit online service

hilst it fun for the majority it well known that gambling can become an addiction for the minority, says Brown. sing a credit card to fund your wager poses an obvious risk and these additional charges just mean that odds are further stacked against the gambler. * BBA/BSA data, April 2007 consumer counseling credit inc

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PRESS ENQUIRIES

Richard Brown, Chief Executive, 0208 313 9030 David Andrews/Cathy Tully, David Andrews Media Ltd 07941 255855 / 01273 774109 / 07747196854 card credit fleet service

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Ethical investing has gone from being a fringe activity - previously seen as the practice of tree-huggers and sandal-wearers - to a going concern that offers clear-conscience alternatives for the full range of financial products including mortgages, bank accounts, utilities, investments and pensions. colorado credit public service

Now, more than ever, it s easy being green. But just because a product is deemed ethical doesn t mean it is necessarily a wise financial choice. Given the relatively small number of companies engaged in ethical activities, there are a restricted number of stocks that funds can be invested in - a situation that often caused poor performance in the past. consolidation counseling

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Contents

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