If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
The figures show credit card fraud overseas £92.5m in 2004, which is the lowest figure since 1999, and following a £138.4m peak in 2001. This downward trend was largely attributed to improved fraud detection systems which enable card companies to spot unusual spending patterns associated with the fraudulent use of cards, rather than the recent introduction of chip and pin cards. Sandra Quinn of APACS said "Simple things like making sure your cards never leave your sight, and remembering to dispose of receipts carefully, can make all the difference." Holidaymakers need to take care when using their plastic abroad, especially in the US, France and Spain, which account for nearly half of fraud against UK cards.Foreign fraud on UK cards now accounts for 18% of total UK card fraud, which reached just under £505 million in 2004.APACS advised that holiday makers should:
- Keep valuables safe and out of sight, for example in a concealed money belt
- When driving, keep handbags and wallets out of sight of opportunistic thieves, especially in slow-moving traffic and always remove cards and valuables from parked cars
- When paying be wary of letting your card out of your sight
- When you return home, check your statements carefully for any unfamiliar transactions
- Inform your bank in advance that you will be using your card abroad
- Carefully dispose of any receipts or statements
- Dont tell anyone your PIN, even if they claim to be from the bank or police.
- If you have chip and pin cards make sure you memorise your pin numbers
- Make sure you have the 24-hour phone number to cancel your cards in case they are lost or stolen
- not use their mother's maiden name or place of birth as a security password
- check their credit record annually
- ensure the bank knows of any address changes
- shred or rip-up post before throwing it in the bin
- never use the same password for all accounts
- not carry address details in purses or wallets
- check bank accounts and credit transaction files regularly