(PRWEB UK) 8 May 2012

As one of the UKs most trusted financial brokers, the team at Money Mole have years of experience offering debt management relief services to customers of all financial backgrounds. A member of the team explains how the rise in companies offering such services can be confusing for consumers.

With the media bombarding us with messages from a flood of agencies promising to wipe out our debts, with no hassle, stress or financial strain, it can be hard to know who to trust, and what to look for in dealing with your financial needs. At Money Mole we are always honest with our customers and aim to deliver realistic expectations, so weve put together a plan to help those searching for debt management solutions.

????Money Mole are advising consumers on the importance of checking the price of service fees. These can be more costly than first anticipated, especially for first time customers without much experience in acquiring consolidation services. Although there are plenty of debt solution companies operating in the UK who provide a reputable service with affordable fees, Money Mole are keen for customers to be aware of firms who add a large sum of money onto debts to cover their own fees.

????The team at Money Mole are recommending that customers partake in their own research into all options available to them, before making agreements. In their experience of helping clients work through debt problems, Money Mole have found that consolidating all existing payments (such as credit card bills or car insurance), into one monthly payment appears to be the most successful way of clearing existing debts for the majority of people.

????Customers are being advised that as well as discussing their current outgoings, such as living costs, they need to make sure their appointed advisor works with them to assess any expenses that might arise in the foreseeable future. This eliminates the possibility of further problems arising and enables both parties to work out a realistic payment plan which allows the customer to live without the fear of being hassled by credit collectors. The experienced professionals at Money Mole are fully trained in putting together effective payment plans that see their customers debt free in a reasonable space of time.

Based in Essex and London, MoneyMole is one of the UKs largest financial brokers. Specialising in providing customers with a range of financial services including the arrangement of secured loans, unsecured loans, re-mortgage, or life insurance, the company have a trusted reputation for helping people from a range of financial backgrounds.

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New York, NY (PRWEB) May 16, 2012

Newt Gingrich, the defeated Republican presidential candidate, is selling his donor email marketing mailing list in an effort to dig the campaign out of a $ 4 million debt. This is a complete breach of trust with his supporters who are now going to receive spam from any illegitimate organization that decides to purchase the data. The unsolicited email will be of the worst kind because not only is the Gingrich campaign selling the actual email address, but it is coupled with other personal information as well, according to the investigation by Elite Email. This action completely violates email marketing best practices and ethics, which ultimately damages the reputation of Newt Gingrich and the Republican Party as a whole.

As a leader in permission-based email marketing, we at Elite Email are disappointed by the actions of the Gingrich campaign, said Robert Burko, CEO of Elite Email. We proudly teach all of our customers how to properly build an opt-in mailing list and safeguard their customers privacy. To see someone who was trying to become President completely dismiss the importance of privacy is a very sad thing that email marketers everywhere should shake their heads at.

The Newt 2012 privacy policy clearly states, We are committed to protecting your privacy online. The policy also goes on to say, “We may obtain information about you from outside sources and add it to or combine it with the information we collect.” This means that even if a donor did not supply their email address, the Gingrich campaign can use other personal information and perform an action known as email appending to obtain an email address and piece together a complete record about the donor that they can ultimately sell. This practice is heavily frowned upon by all email marketing service providers and no legitimate email marketers engage in such an action.

Organizations all around the world use email marketing software to send out email newsletters and announcements as the Newt 2012 campaign had claimed it would be doing. But, all of those organizations work hard to build a permission-based list of people who explicitly asked to receive their email marketing campaigns. They follow email marketing best practices and treat the private information of their customers with the care, security and sensitivity it deserves.

The Newt 2012 data is being sold through the data brokerage firm TMA Direct. The pricing is setup so that the price of the data is higher for those donors who gave larger amounts of money, with smaller donors having a lower price tag. With this email marketing data now readily available, donors to the Newt 2012 campaign should be on high alert for increased spam and be vary wary of any organizations claiming a linkage to the campaign when sending an email.

With increased spam as a result of the actions of the Gingrich campaign, marketers should use caution when using their email marketing software to send out campaigns by avoiding words that might appear in this Newt Spam so that their legitimate emails do not get incorrectly flagged as spam.

About Elite Email

Elite Email is a leading North American email marketing service provider (ESP) that has been helping customers achieve greater email marketing results for almost 10 years. The Elite Email cloud-based (software-as-a-service) platform allows organizations of all sizes to build and grow their mailing list, create eye-catching emails, and track results with detailed reports and analytics. All services are backed by Elite Email’s outstanding support and customer care.

Elite Email has been featured on TV, radio and print media and is a member of the Email Experience Council, eMarketing Association, Better Business Bureau, Canadian Federation of Independent Business, Vaughan Chamber of Commerce and Toronto Board of Trade. Elite Email is the only Canadian company listed by the Utah and Michigan Child Protection Agency as a compliant sender. Elite Email recently won the Business of the Year award at the Toronto Board of Trade Business Excellence Awards.

For more information visit: http://www.eliteemail.com

Question by justapiece44: What does debt relief companies do for you?
How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?

Best answer:

Answer by GG
aside from rip you off, they pay ur debtors for you with ur money you pay them

Add your own answer in the comments!

Question by bubbasky2003: which is the best way to get out of credit card debt? Non Profit debt consolidation or For Profit settlement?

Best answer:

Answer by kloackster
try paying off your credit cards

Know better? Leave your own answer in the comments!

Question by I became a mommy 10/15/08!: Bad Credit but looking for a Savings Secured Loan?
Hey there! I am looking for a Secured loan with my savings account or CD as the collateral. Currently I bank with Suntrust and they will not accept any credit score below 640, even though they already have the money! My current credit score is 520, and I the purpose of the loan is for debt consolidation and to boost my credit. I live in Atlanta, GA, and I was wondering if anyone knew of any bank that would give me a loan of this sorts with such a low credit score. Since the loan is secured by money, I didnt think credit score would be a problem, but apparently it is! Any help is appreciated! Thanks!

Best answer:

Answer by Gary E
You should use the savings to pay off the debt and then rebuild your savings as quickly as possible. I know it doesn’t feel good have no savings for emergencies (and you should try to keep some if at all possible.)

But realize that if you pledge your savings for a loan, then the savings are not available to you any more than if you had used them to pay off the debt.

And if you borrow against your savings you will be paying much higher interest than you are earning on the savings so you will end up with less than if you pay off the debt and rebuild the savings.

Also paying off the debt as soon as possible by using your savings will do more for your credit score than any debt consolidation.

About the only time it makes sense to borrow against money you have is if it is in a tax sheltered plan like a 401K and you don’t want to pay penalties and taxes on an early withdrawal.

Know better? Leave your own answer in the comments!

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Sydney, Australia (PRWEB UK) 12 May 2012

PAYDAY-LOANS-AUSTRALIA.ORG, a web portal operated by Green Spiral Media announced the release of their newest article on payday loans. The article takes a look on the ever going dispute on the credibility of payday loan providers and whether its ethical to promote such services. It claims that there is no difference between payday loan advertising and that of any other product on the market and that payday loans get much more blame than they actually deserve.

The article points out some good arguments to back this position. The authors express their doubts of cash loan ads being as malicious as critics portray them to be. According to the article the negative view of payday loans and their advertising campaigns is unjustified and in fact payday loan services pay for the bad consumerist practices in general. People are just tired of ads bombarding them from every corner, on TV, Internet and other media. But payday loan services didnt invent the wheel, the article reminds, and in fact these practices have been around for ages.

It doesnt help that cash loan providers suggest that consumers should take out loans and spend money they dont have. This is the main reason for the negative image of these services in some circles. But the article points out that same is the case with credit cards and credit card companies arent met with outrage by the public. Ads promoting products of the biggest credit card companies can be seen everywhere, ranging from sport events to charities. Yet, nobody sees them as harbingers of an upcoming Armageddon. And maybe they should.

The article claims that some studies suggest that credit card debt may be worse than payday loans and cites The Sydney Morning Herald, according to which the average credit card holder will be in debt until 2056.

The key difference between payday loans and credit cards is that the former are designed as short-term services and their sky-high interest rates that so many people are scared of are just one of the mechanisms that encourage people to use the loans properly. Payday loan providers dont claim that their services are long-term solution to financial troubles. They are just service providers who have to promote their services to maintain profitable. Just as any other company on the market, the article concludes.

For more details, visit http://www.payday-loans-australia.org.

About Green Spiral Media

Green Spiral Media is an information agency supporting several payday loan portals. These portals feature some of the most convenient payday loan providers. The company is also committed to providing to its customers quality up-to-date information about the latest news and developments around payday loans.

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