The UK Informed Investor

website: www.ukinformedinvestor.co.uk & www.chesilbank.co.uk

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Founded 1972 40th year

BANKING ACCOUNTS, DEBIT CARDS,
CASH CARDS & CREDIT CARDS

24 hour Hotline Fax : +44(0) 845 862 1954

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The Informed Investor began publishing from offices at 13 Nottingham Place, London, W1 ( See Picture Left) in 1972. It started as a printed publication for Drummond & Co offering Investments and Insurance. Long before today's regime in regards commissions Drummond & Co pioneered discount selling of Linked Insurance and Unit trusts- splitting the commissions with the purchaser. Many in the Industry condemned this and many leasing Insurance Groups refused to take their business. Most of those companies have gone out of business today & Drummond & Co are recognised as the Company that led the way. Today 40 years later Drummond & Co still lead the firld in Financial Innovations and have advised both the public and professionals.
As Financial Commentators the Informed Investor have, over the years, Informed Investors about dangerous offers and Financial mis-doings sometimes years before the scandals broke.

or you can contact the CEO of Leading Companies & avoid those call centres-

Click Here For the UK List of CEO's email addresses

Informed Investor Golden Services

Informed Investor Golden Services

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THE HELP YOU NEED

If you ever have ever had difficulties in obtaining any kind of credit facility, be it credit card or loans and mortgages, because of past credit problems or not reaching the correct credit card score, Credit Solutions-R-US Ltd. can assist you.

We are professional intermediaries to prime banks and financial institutions worldwide.Our aim is to offer customers, from all walks of life, no matter what their credit history, access to bank accounts in the UK and abroad. Together with credit cards, loans, mortgages and vehicle finance.

It doesnot matter whether you have defaults, CCJs, IVAs are bankrupt or discharged from bankruptcy, we have the facilities to suit all.

We specialise in adverse credit status customers but if you do not have problems in any of the above areas but just need confidential banking and facilities for any reason, without the need for bank and accountants references, we can help as we have many contacts covering many countries.
We treat every enquiry with respect and courtesy, we offer a completely confidendial service no matter which service you require.

In fact, we are so confident that we will be able to place your business that we give you a money back guarantee.

We are able to offer and help you obtain a comprehensive range of banking facilities, including UK and offshore, personal or corporate accounts, company and trust formations and have access to both personal and corporate credit cards.

Each mortgage application is judges on its own merits, by using our expertise and knowledge as a specialist Independent National Mortgage Broker, sourcing the market place for the best and most suitable mortgage for you.

FINANCIAL RESTART INDEX- Click on Appropriate Subject

If you're getting charged for • Late payments • Exceeding your agreed limit We could claim it back - NO WIN, NO FEE *
Credit card providers make billions of pounds every year from people just like you. They attach excessive charges at every available opportunity and it's not fair. They could owe you thousands. Do not accept these charges contact us on or and we will contest the charges. (UK Only)

Personal UK Bank Accounts	Business UK Bank Accounts	Bankrupt bank accounts	Bankrupts Business Bank Accounts	Offshore Bank Accounts	Credit Cards
Cash Cards	Debit Cards	Loans & Mortgages	Financial Restart Programme	Company Formations	Protecting bankrupts pensions
Creditor Negotiations	Business Health Check	Make Money as a Reseller of Debit Cards	Prepaid Cards	No credit check bank accounts	IVA bank accounts
Cheque Encashment	Get your Credit File	Replacement Pay slips	Replacement birth/death certificates	Car Finance	CCJ Repairs by negotiation

The facilities shown in dark blue boxes in Index
are available on application

Compare Fees on Prepaid Cards

All UK Prepaid Cards

The following table compares all of the UK’s top prepaid cards.
It details account opening and ongoing usage fees associated with each pre-paid product.

Prepaid Card Issuer	Card Type	Card Issue Fee (inc. Postage)	Reload Fees	Monthly Fees	Max Balance Allowed in Account	Other Fees	Key Benefits	Approximate monthly fees,based on £100 reload per week and 5 purchase's each week
CashPlus Gold MasterCard	Chip and Pin	£9.95	Free	£4.95	£5000	UK ATM Fee = £2.00 Foreign Transaction Fee = 2.75%	-Accepted at 24.6 Million Locations -Purchase Protection Included -Low cost for Medium/frequent users -Top-up at the Post Office	£4.95
Cred Maestro Card	Chip and Pin	£8.95	Up to 3% of reload, Debit card needed to apply	Free	£1000	UK ATM Fee = £1.00 Foreign Transaction Fee = 2.00%	-Great for under 18's -Chip and Pin Protected -Accepted at 7 Million Locations	Up to £9.00
360 Money		Free	Up to £1.50	£1.99	£1000	UK ATM Fee = £1.50 Foreign Transaction Fee = 4.00%	-Low cost for occasional users -Great for under 18's -Accepted at 7 Million Locations	Up to £6.49 - depending on reload method
360 Money pay-as-you-go		£6.99	Up to £1.50	Free	£1000	UK ATM Fee = £1.50 Foreign Transaction Fee = 4.00% Per Use Fee (purchases) = £0.25	-Low cost for occasional users -Great for under 18's -Accepted at 7 Million Locations	Up to £5.25 - depending on reload method
360 Money Premium		Free	Up to £1.50	£1.99	£3500	UK ATM Fee = £1.50 Foreign Transaction Fee = 4.00%	-Low cost for occasional users -Accepted at 7 Million Locations	Up to £6.49 - depending on reload method
Smash Hits/Magic/ Bliss		£11.60	Up To £4.00	Free	£1000	UK ATM Fee = £0.85 Foreign Transaction Fee = 0.00%	-Low cost for occasional users -Great for under 18's -Low Cash Advance Fees -Accepted at 7 Million Locations	Up to £9.00 - depending on reload method
Western Union Travel Card		Free	Free	Free	£4500	UK ATM Fee = £1.50 Foreign Transaction Fee = 4.00% Per Use Fee (UK purchases) = £1.00	-Accepted at 7 Million Locations -The choice of three currencies (US$, € or £) -Replacement cash in minutes if your card is lost or stolen	£5.00 - If used in UK
Post Office Travel Card		£10.00	4% of re-load	Free	£5000	UK ATM Fee = £1.50 Foreign Transaction Fee = 2.75%	-Low cost Travel Card for occasional user -Available in EUR and $	£12.00
i-Money Maestro Card		£11.60	Up to £3.00	Free	£1000	UK ATM Fee = £0.85 Foreign Transaction Fee = 0.00%	-Low cost for occasional Traveller -Accepted at 7 Million Locations	Up to £6.00 - depending on reload method
Talk Sport prepaid Card	Chip and Pin	£9.95	Up to 3% of re-load, Debit card needed to apply for Talk Sport Card	Free	£3500	UK ATM Fee = £1.00 Foreign Transaction Fee = 2.75%	-Low cost for occasional users -Accepted at 7 Million Locations	Up to £9.00
Quidity Card Prepaid Maestro		£7.95	Free	Free	£3500	Per Use Fee (purchases) = £2.95% UK ATM Fee = £1.50 +2% if over £50 Foreign Transaction Fee = 0.55% Annual Fee = £5	-Accepted at 7 Million Locations -Top-up at paypoint and post office	£12 (based on 2.95% fees on all UK transactions)
CashPlus MasterCard Gold Pay-As-You-Go	Chip and Pin	£9.95	Free	Free	£5000	UK ATM Fee = £2.00 Foreign Transaction Fee = 2.75% Per Use Fee (purchases) = £1.00	-Accepted at 24.6 Million Locations -Purchase Protection Included -Low cost for occasional users	£20 (£1 per transaction)

BANK ACCOUNTS
Personal and Business

THE DIFFERENCE

We think it important to tell you the difference between our bank account opening service and others.

We are different to others because with us the following applies:

· 1. You do not have to go to the bank in person.

· 2. You do not have to answer awkward questions.

· 3. You do not have any credit checks.

· 4. You do not have to fear rejection.

· Please note that facilities from banks and other financial institutions can change at any time and without notice. We reserve the right to offer you the nearest alternative should this arise.

OUR PROCEDURES ARE AS FOLLOWS

Once a completed application form and fee are received you will receive bank opening forms for your signature.

You need to return these with one item of identity off lists A & B ( these must be originals).

Your criteria will be put before the relevant bank for you. You will then receive a bank account number, sort code etc.

LIST A

· Current valid full passport UK or EEC, not a visitor's passport.

· Current UK full (not provisional) signed driving licence.

· Cheque guarantee card with inlaid holographic photograph.

· Armed Forces I dentity Card
Senior Citizen's Pension Book

LIST B

· Recent original Building Society/Bank statement.

· Current UK full ( not provisional) signed Driving Licence ( except where used to prove ID)

· Original Council Tax Bill.

· Recent original utility bill ( e.g gas, electricity, telephone etc.)

BANK ACCOUNTS

Think all banks are the same? Think again. No hassles. No late payments. No unexpected charges. Just real help with your finances. Welcome to thinkbanking.
No credit check bank accounts
Bank accounts for bad credit	IVA bank accounts	Bankrupt bank accounts
Why worry about budgeting when we can do it all for you? We'll set aside money from your account so your bills are paid, leaving you to get on with your life. Apply now Read more	Bring some certainty to your finances. With a thinkbanking current account, we'll never charge you for missed / late payments, or for going overdrawn. Apply now Read more	Ways to bank with us Internet banking Telephone banking Mobile SMS banking thinkbanking Debit MasterCard Cashpoint Find out more
The current account that helps you budget Our account has a budgeting service built-in. We'll look after all your regular bills and payments, so you know exactly what you can spend on the good things in life. You get: Real people looking after your money for you No more charges for overdrafts or missed payments Peace of mind, with us managing your regular bills Sign up here Read more	thinkbanking Debit MasterCard® Our thinkbanking card gives you instant access to your cash. Access cash easily Accepted worldwide £450 daily limit Find out more	Insurance Compare insurance quotes and look to get the cover you need from think insure. Get a quote
Mortgages Compare a wide range of mortgages and find the best deals from a panel of lenders. Get a quote	Insurance Compare insurance quotes and look to get the cover you need from think insure. Get a quote	Credit cards Our free credit card comparison table makes it easy to compare the best offers. Compare
Savings Whether you're saving for the long or short term, our savings account could be right for you. Start saving	How our account works See our simple step-by-step guide to how the thinkbanking account works. Find out how it works	About thinkbanking We're not like other banks. Find out more about our values, awards and charity work. Read more about us
No credit check bank accounts	Bank accounts for bad credit

Think all banks are the same? Think again. No hassles. No late payments. No unexpected charges. Just real help with your finances.
Welcome to thinkbanking.
Apply now Read more

DON'T BE REFUSED

CASHMINDER

Electron Debit Card

+

Standing Orders

+

Direct Debits

+

Wage/Pensions
straight into your account

+

Cash through Link

or
Post Office

For many years we have endeavoured to assist people who have found it difficult to obtain personal & business bank accounts. We have outsourced this to several companies who have assured us that they could obtain such accounts. They actually completed so few that we made a decision earlier this year not to continue with the outsourcing. Instead we try & direct clients towards the better sources of getting accounts. Our advisory department on

will still assist you .Basic bank accounts are designed for people who find it hard to get an ordinary current account.

Basic bank accounts are designed for people with little income or who have a poor credit rating and they're an excellent start for anyone who's not used to having a bank account, not least because they're much easier to get than current accounts.

Any wages, benefits and tax credits can be paid directly into the account and you can usually pay bills by direct debit and/or standing order - something could help reduce your bills, as having a bank account means you can get discounts on services such as gas and electricity. You'll also get a debit card giving you full access to cash machines and your account can also be operated through the Post Office as well as the bank your account is with.

However, you do not get a cheque book and nor will you get an overdraft limit, although that's no bad thing if the account is being used by someone who needs to keep a tight rein on their budget. Nevertheless, having no overdraft facilities means that if a direct debit bounces, you could be charged outrageous penalties, perhaps £35 or more. A few companies such as the Nationwide and Co-op will even offer basic bank accounts to people who have just gone bankrupt - a godsend for anyone who suddently finds themselves with current accounts that have been frozen by the Official Receiver.

But it might be better for those of you who require a very basic account to apply for:

The Co-Operative Bank Cashminder

A more basic account, designed to give you maximum control over your money. No overdraft is available but an Electron debit card gives you access to your cash. You can have your wages, salary, pension, benefits or other income paid straight into your cashminder account. You can also arrange to make regular payments from your account via standing order or Direct Debit, free of charge.

An Electron Debit Card

This is the key to your account:

Use it to get money from any LINK cash machine anywhere in the country.
Use it to get cash from your account at any Post Office™ branch.
Use it to pay for goods or services anywhere displaying the Electron Card.
Use it to get cash from your account at many supermarkets and other shops that display the Electron sign.

Standing Orders and Direct Debits

You can make regular payments from your Cashminder account free of charge. These will be made on - time, every month (provided there is enough money in your account).

To find out more about the Cashminder account phonethe Co-Op on: 08457 212 212

The Co-operative Bank is a member of the Financial Services Compensation Scheme established under the Financial Services and Markets Act 2000. In respect of deposits with a UK Office, payments under the Scheme are limited to 100% of the first £2000 of a depositor's total deposits with the bank and 90% of the next £33,000, resulting in a maximum payment of £31,700. Visit www.fscs.org.uk for details.

Some rates available as of November 13th 2006

Provider & Account Name	Account Type	Credit Rate (AER) Based on £1	Overdraft Rate Based on £1	Overdraft Features*	Internet	Phone
Alliance & Leicester Premier Direct	Premium	6.1 % fixed until 31/12/07†	5.9% EAR	Introductory Authorised Overdraft: Yes Interest Free Buffer: Yes	Yes	Yes
Halifax High Interest Current Account	Current	5.12%†	15.9% EAR	Introductory Authorised Overdraft: Yes	Yes	Yes
Lloyds Classic Plus	Current	4%†	18% EAR	None	Yes	No
Smile Current Account	Current	3.04%	11.9% EAR	None	Yes	Yes
first direct Current Account	Current	2%	10.9% EAR	None	Yes	Yes
Cahoot Current Account	Current	3.75%†	11.8% APR	Interest Free Buffer: Yes	Yes	No

Business Bank Accounts

Has Your Business Bank Account Been Closed or have you been Refused a Business Banking Account?
Hit Back for Just GBP £50 or USD $75

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Having Trouble Getting a Bank Account to pay and receive money ? If you have a Personal Bank account the Chesil Bank will assist you set up facilities for your business to accept payments on the internet or by phone through credit/debit cards or Paypal in your Company name. The cost to set up this facility is a once off fee of GBP £50 or USD $75 regardless of status. These benefits could really make a difference to the smooth running of your small business banking transactions.

www.chesilbank.co.uk

Credit Cards

for those with a poor credit record the following may be able to assist

Bank	Suitable for those with	Credit Limit	Annual Fee	Typical APR (Variable)
Vanquis Bank Abacus	bad credit problems or no credit history	from £250 to £2,000	£0	39.9% APR
Capital One Classic	poor credit history	from £250 to £2,500	£0	34.9% APR
aqua	poor credit history	from £250 to £1,600	£0	29.9% APR
Vanquis Bank Blue	minor credit problems	from £250 to £2,000	£0	29.9% APR
Vanquis Bank Gold	good credit rating but have been turned down elsewhere	from £250 to £2,000	£0	19.9% APR

DMV Financial Services connections can now offer your clients both
Secured and Unsecured Major International Credit Cards in any Country.
Offshore banks have the ability to lend out more than 100 times
what has been deposited in their banking institution &
are therefore inclined to be more liberal in their lending and/or financing policies.

Loans & Mortgages

Do You Need To replan your finances so as to reduce payments and free more of your income? We can introduce you to obtain:

SECURED LOANS
UNSECURED LOANS
BRIDGING LOANS
COMMERCIAL

or

24 hour Hotline
13 Nottingham Place, London, W1U 5LE
Fax : +44(0) 845 862 1954

For Immediate decisions in principle

You should also enquire about their highly successful TAX FREE BORDEAUX MANAGED WINE INVESTMENT PLAN.

24 hour Hotline
13 Nottingham Place, London, W1U 5LE
Fax : +44(0) 845 862 1954

E-mail:

Credit Solutions-R-Us Ltd
are Licenced with The Office of Fair Trading No 494581 Data Protection Act Z4936167

CONTACT US CLICK

WEBSITE:

www.ukinformedinvestor.co.uk

Other Services include:

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