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	<title>Current Mortgage and Property Market Overview &#187; Uncategorized</title>
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	<description>Independent Mortgage And Financial Advice</description>
	<lastBuildDate>Wed, 30 Dec 2009 00:17:44 +0000</lastBuildDate>
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		<title>Current Mortgage and Property Market Overview &#187; Uncategorized</title>
		<link>http://hurleysltd.wordpress.com</link>
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		<title>The Herts Directory &#8211; Web Directory for Hertfordshire</title>
		<link>http://hurleysltd.wordpress.com/2009/08/15/the-herts-directory-web-directory-for-hertfordshire/</link>
		<comments>http://hurleysltd.wordpress.com/2009/08/15/the-herts-directory-web-directory-for-hertfordshire/#comments</comments>
		<pubDate>Sat, 15 Aug 2009 13:24:42 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[hertfordshire directory]]></category>
		<category><![CDATA[professional business websites]]></category>
		<category><![CDATA[search engine optimisation]]></category>
		<category><![CDATA[seo]]></category>
		<category><![CDATA[web advertising]]></category>
		<category><![CDATA[web directory]]></category>
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		<description><![CDATA[The Herts Directory is fast becoming the most commonly visited web directory in Hertfordshire. Businesses submit your contact details for free for a limited time only!
<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=178&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>T<span style="widows:2;text-transform:none;text-indent:0;border-collapse:separate;font:16px 'Times New Roman';white-space:normal;orphans:2;letter-spacing:normal;color:#000000;word-spacing:0;"><span style="line-height:18px;font-family:Arial;color:#464646;font-size:12px;">he Herts Directory is fast becoming the most commonly visited web directory in Hertfordshire. Businesses submit your contact details for free for a limited time only!</span></span></p>
<div><span style="widows:2;text-transform:none;text-indent:0;border-collapse:separate;font:16px 'Times New Roman';white-space:normal;orphans:2;letter-spacing:normal;color:#000000;word-spacing:0;"><span style="line-height:18px;font-family:Arial;color:#464646;font-size:12px;"> </span></span></div>
<p> </p>
<div><span style="widows:2;text-transform:none;text-indent:0;border-collapse:separate;font:16px 'Times New Roman';white-space:normal;orphans:2;letter-spacing:normal;color:#000000;word-spacing:0;"><span style="line-height:18px;font-family:Arial;color:#464646;font-size:12px;"></span></span></div>
<p> </p>
<p><span style="widows:2;text-transform:none;text-indent:0;border-collapse:separate;font:16px 'Times New Roman';white-space:normal;orphans:2;letter-spacing:normal;color:#000000;word-spacing:0;"><span style="line-height:18px;font-family:Arial;color:#464646;font-size:12px;"></p>
<div id="attachment_179" class="wp-caption alignnone" style="width: 510px"><a href="http://www.websitesinhertfordshire.com"><img class="size-full wp-image-179" title="website design and optimisation, seo, professional business websites" src="http://hurleysltd.files.wordpress.com/2009/08/services-we-provide.jpg?w=500&#038;h=275" alt="website design and optimisation, seo, professional business websites" width="500" height="275" /></a><p class="wp-caption-text">website design and optimisation, seo, professional business websites</p></div>
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			<media:title type="html">website design and optimisation, seo, professional business websites</media:title>
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	</item>
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		<title>Mortgage Websites</title>
		<link>http://hurleysltd.wordpress.com/2009/04/20/mortgage-websites/</link>
		<comments>http://hurleysltd.wordpress.com/2009/04/20/mortgage-websites/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 14:08:58 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[business websites hertfordshire]]></category>
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		<category><![CDATA[drive business to your company]]></category>
		<category><![CDATA[get my business listed on google st albans]]></category>
		<category><![CDATA[get my business listed on the web st albans]]></category>
		<category><![CDATA[mortgage website]]></category>
		<category><![CDATA[mortgage websites]]></category>
		<category><![CDATA[web design st albans]]></category>
		<category><![CDATA[web designers hertforsdhire]]></category>
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		<guid isPermaLink="false">http://hurleysltd.wordpress.com/?p=165</guid>
		<description><![CDATA[For a limited time we are offering to build you a professional mortgage website with the latest design technology and also get you listed on Google in your area!
You will get a fully compliant mortgage Website optimised to appear on google under specified keywords of your choosing. This will drive more business to your company [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=165&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>For a limited time we are offering to build you a professional mortgage website with the latest design technology <strong>and also get you listed on Google in your area!</strong></p>
<p class="MsoNormal">You will get a fully compliant mortgage Website optimised to appear on google under specified keywords of your choosing. This will drive more business to your company than you could possible imagine.</p>
<p class="MsoNormal">Your site will contain calculators, enquiry online facilities and be continually guarded against hackers and spam. Please <a title="Free Independent Mortgage Advice" href="http://mortgagesinhertfordshire.com" target="_blank">click here </a>to take a mortgage site that we made earlier.</p>
<p class="MsoNormal">Our fee for a website such as this would normally be £595 however for a limited time we can do this at a reduced cost of £349.</p>
<p class="MsoNormal">If you are interested please do not hesitate to get in touch.</p>
<p class="MsoNormal"><a title="Websites in hertfordshire" href="http://www.websitesinhertfordshire.com" target="_blank">Click here</a> to contact us</p>
<p class="MsoNormal"><span><img class="size-full wp-image-166" title="googlerunner-emailsignature" src="http://hurleysltd.files.wordpress.com/2009/04/googlerunner-emailsignature.png?w=320&#038;h=185" alt="Business Web Design Specialists " width="320" height="185" /></span></p>
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		<title>sandbox</title>
		<link>http://hurleysltd.wordpress.com/2009/03/23/sandbox/</link>
		<comments>http://hurleysltd.wordpress.com/2009/03/23/sandbox/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 13:28:24 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://hurleysltd.wordpress.com/?p=151</guid>
		<description><![CDATA[This is the H1 Heading
Above this paragraph should be the H1 heading for your web page. If it is not visible, the design settings for the H1 tag is set to display:none which many WordPress Themes use to hide the blog title text and replace it with a graphic. Do not use H1 within your [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=151&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><h1>This is the H1 Heading</h1>
<p>Above this paragraph should be the H1 heading for your web page. If it is not visible, the design settings for the H1 tag is set to <code>display:none</code> which many WordPress Themes use to hide the blog title text and replace it with a graphic. Do not use H1 within your blog post area.</p>
<p>If the design in the H1 heading looks like your blog title or blog post title, then that is the style set for that HTML tag and you should not use it within your blog post area.</p>
<p>Inside of this test data section are most of the basic HTML and XHTML and CSS styles that you might use within your WordPress Theme.You need to know what that will look like as part of structuring your styles.</p>
<h3>This is the H3 Heading</h3>
<p>Is this the same heading as is in your post title or is this the section headings found within your sidebar? Or is it different? This is the post content heading for the HTML tag h3, as is the one below, H4, for section headings within your post to divide up topics. If there is an H3 or H4 tag in your sidebar, you will need to identify the parent HTML and CSS container for the sidebar and style those appropriate in your blog&#8217;s stylesheet.</p>
<p>For more information in searching for your styles in your WordPress blog, see <a title="CSS: Studying Your CSS Styles" href="http://lorelle.wordpress.com/2005/11/05/css-studying-your-css-styles/">CSS: Studying Your CSS Styles</a> and <a title="Finding Your CSS Styles in WordPress" href="http://lorelle.wordpress.com/2005/11/15/finding-your-css-styles-in-wordpress/">Finding Your CSS Styles in WordPress</a>.</p>
<p>Also notice how the links in that paragraph are styled so you can style links within your post content area. Links have three styles. There is the <a title="nothing here" href="#">link color</a>, <a title="nothing here" href="#">link hover color</a>, and <a title="nothing here" href="#">visited link color</a>. Be sure and design for each style.</p>
<h4>This is the H4 Heading</h4>
<p>In this section under the H4 heading, we’re going to look at what the post content, the meat and potatoes of your site looks like.  In general, you will have multiple paragraphs, so we will add another paragraph so you can adjust the spacing in between them to the look you want.</p>
<p>Paragraphs are not just for typing your blog babble, they can also hold frame and hold other information within your content area to help make the point you want to make in your writing. For instance, you will commonly have three types of lists.</p>
<ul>
<li>General Lists using the <code>&lt;ul&gt;</code> tag</li>
<li>Ordered Lists using the <code>&lt;ol&gt;</code> tag</li>
<li>Definition Lists using the <code>&lt;dl&gt;</code> tag
<ul>
<li>Definition Lists use two other tags to generate the list:
<ul>
<li><code>&lt;dt&gt;</code> sets up the word or phrase to be “defined”, usually set in bold, and</li>
<li><code>&lt;dd&gt;</code> sets up the definition, which is usually in a normal or slightly smaller font and indented under the definition.</li>
</ul>
</li>
</ul>
</li>
<li>And that’s the end of the lists</li>
</ul>
<p>And we’ve just tested a paragraph before and after a general list along with a nested list to help you see what at least three levels of the list will look like. Make sure that each level of the list is styled to match your specific needs. You might want to use the default disc or circle, or you might want to add graphic bullets to your list, too.</p>
<h5>This is the H5 Heading</h5>
<p>While the H5 heading is not always used, maybe you might find a need for it if your H1 and H2 and H3 headings are used. You might need one to two levels of subheadings in your post content, so this one gives you another option.</p>
<p>We also need to look at the other two lists and then add some images and other styles to flesh out your WordPress Theme sandbox.</p>
<ol>
<li>You need to do this first.</li>
<li>You need to do this second.
<ul>
<li>You could do this in between.</li>
<li>Or give this a try, too.</li>
</ul>
</li>
<li>But this is the third and last thing to do.</li>
</ol>
<p>This should give you an idea of how a nested number list would look on your site. Now, let’s look at a definition list.</p>
<dl>
<dt>WordPress Themes</dt>
<dd>A WordPress Theme is not a “skin”. Though many young people call it one. The reality is that a WordPress Theme contains many files that come together in various ways to generate a WordPress web page. A “skin” simply changes the look, and rarely the results.</dd>
<dt>WordPress Plugins</dt>
<dd>WordPress Plugins add flexibility, features, and capabilities to your WordPress site. There are hundreds to choose from. Some add power and control like monitoring and busting comment spam and enhancing your administration features. Others add fun things like random elements and polling and rating systems.</dd>
</dl>
<p>And here is another paragraph to show the relationship between the various parts and pieces.</p>
<h3>This is the H3 Heading</h3>
<p><img src="http://lorelle.files.wordpress.com/daisy1a.jpg" alt="Daisy, photograph Copyright Brent VanFossen" align="right" />If the H3 heading is your in-post section heading, then you need to see how it works within the post itself. If it isn’t, simply change the H3 to whatever heading number you are using.</p>
<p><img src="http://lorelle.files.wordpress.com/daisy1a.jpg" alt="Daisy, photograph Copyright Brent VanFossen" align="left" />We need to look at how images, another major feature of most WordPress sites, are used within the site. Images tend to sit on the left, right, or middle of your post, depending upon how you are using them. For an image sitting on the left or right, you need to add appropriate padding around the image on the text side to push the text away from the image so the text won’t push up against the edges of the image.</p>
<div style="text-align:center;margin:auto;padding:auto;"><img src="http://lorelle.files.wordpress.com/daisy1a.jpg" alt="Daisy, photograph Copyright Brent VanFossen" /></div>
<p>A centered image is a little different. It is centered in the middle and the text is pushed above and below it. <strong>NOTE:</strong> <em>Currently, the Theme used here doesn’t feature “right” or “left” or “centered” styles. It uses the CSS deprecated “align”. Please change the code here from <code>align</code> to <code>class</code> so your site will validate and you will have much more control over image placement.</em></p>
<p>How to add the CSS styles for images is discussed in the Codex article, <a title="Using Images in WordPress" href="http://codex.wordpress.org/Using_Images">Using Images</a>.</p>
<h3>Testing Font Looks &#8211; H3 Heading</h3>
<p>You will need to test the looks of the different font styles, too. <strong>This is bold and THIS IS BOLD.</strong> <em>This is italic and THIS IS ITALIC.</em> <strong><em>This is bold and italic and THIS IS BOLD AND ITALIC.</em></strong> <code>This is code and THIS IS CODE.</code> And now let’s look at what the PRE tag, also known as the preformatted tag, looks like:</p>
<pre>This is the pre tag.
It should be formatted as written
     so if you add spaces to the front of the line
  it will show the spaces and the &lt;code&gt; as written</pre>
<p>This should be back to the normal paragraph style and we hope you have been paying attention to the margins and padding around each element, including the paragraph, so you can position things appropriately to the rest of the content.</p>
<h3>Your CSS Here &#8211; H3 Heading</h3>
<p>Let’s look at the blockquote, one of the most common tags used in most blogs. It is designed to “frame” a quote from another blog, website, or reference that you are “quoting” from. For the most part, there are three examples of usage:</p>
<blockquote><p>This is a simple quote. It is either preceded or followed by a link within the text to the credited source. A blockquote must be designed to stand out from the rest of the text content, but it does not have to “really” stand out, just separate itself from the content so we know it’s not your words.</p></blockquote>
<p>A second style to the blockquote is one that includes a citation. Under HTML guidelines, this citation should be wrapped in the <code>&lt;cite&gt;</code> tag and then that tag can be styled to be in italics, bold, or whatever look you want in your design.</p>
<p>Take care with the style of the <code>&lt;cite&gt;</code> tag as some WordPress Themes use it in the comments area. I recommend you style it specifically with<code>blockquote cite {style declarations}</code> in your stylesheet.</p>
<blockquote><p>This is an example of a blockquote which also contains a link to <a title="Designing a WordPress Theme - Building a SandBox" href="http://lorelle.wordpress.com/index.php?p=13">Designing a WordPress Theme &#8211; Building a SandBox</a> to help you see what links will look link within a blockquote.</p>
<p><cite><a title="Lorelle on WordPress" href="http://lorelle.wordpress.com/">Lorelle on WordPress</a>, your guide to all things WordPress and blogging</cite></p></blockquote>
<p>The citation includes a link and text to help you see what a link and text will look like within the cite tag.</p>
<p>There are many tags that can be found within a blockquote, just as can be found within any container within your web page design, but a last example includes an unordered list. Many bloggers love to quote examples from lists, so this is a good tag series to test.</p>
<blockquote><p>Within this web design sandbox test page, we’ve tested:</p>
<ul>
<li>Headings</li>
<li>Text styles like bold and italic</li>
<li>Ordered (numbered) and unordered (bullets) lists</li>
<li>Links</li>
<li>Code and PRE tags</li>
<li>Blockquotes</li>
<li>And much more…</li>
</ul>
<p>Which should show you what a list looks like within a blockquote.</p></blockquote>
<p>Each website is unique with it’s own look and feel for the various parts and pieces. This cut and paste section looks only at what you might have within your content section. So if you will have boxes for lists or little aside information, you will need to add them so you can see how they will look in the overall page layout.</p>
<p>Some elements in a <a title="WordPress Themes" href="http://codex.wordpress.org/Using_Themes">WordPress Theme</a> are controlled by the style sheet, while others are controlled by the Template files. Try to work on as much as you can from the style sheet first, then you can mess with the template files.</p>
<p>Remember, any changes you make to the style sheet and template files will be not available if you change themes. If you want them carried over, you will need to copy and paste them into the new Theme folder.</p>
<p>As a last element in the content area and throughout your site, check the hypertext links. These are the links to external websites and/or internal pages within your site. They come in three flavors: active, visited, and hover. Make sure you work on the styles for each of these.</p>
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		<title>Guaranteed Double Asset Bond</title>
		<link>http://hurleysltd.wordpress.com/2009/03/23/guaranteed-double-asset-bond/</link>
		<comments>http://hurleysltd.wordpress.com/2009/03/23/guaranteed-double-asset-bond/#comments</comments>
		<pubDate>Mon, 23 Mar 2009 12:44:00 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bond hertfordshire]]></category>
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		<category><![CDATA[bonds hertfordshire]]></category>
		<category><![CDATA[government bond]]></category>
		<category><![CDATA[Guaranteed Double Asset Bond]]></category>
		<category><![CDATA[im getting no interest on my savings]]></category>
		<category><![CDATA[invest my money]]></category>
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		<category><![CDATA[what should i do with my savings]]></category>

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		<description><![CDATA[If you are realising that you are not getting good returns on your current savings invest your money in a bond. Your money is guaranteed and you can earn good interest with instant access to your funds.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=136&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p class="MsoNormal" style="line-height:normal;"><strong class="Apple-style-span"><span style="font-size:17pt;font-family:&quot;">Guarantee your capital and earn interest using a bond!!!</span></strong></p>
<p class="MsoNormal" style="line-height:normal;"><span style="font-size:12pt;font-family:&quot;">With share prices at an all time low now is a great time to invest in FTSE 100 growth. Naturally however you may be concerned by the unpredictablity of the markets. We are currently offering an exclusive product through Skipton Building Society which offers you a simple solution.</span></p>
<p class="MsoNormal" style="line-height:normal;"><span style="font-size:12pt;font-family:&quot;">It is in effect a building society account, so your capital is guaranteed &#8211; enabling you to invest risk free. However you could benefit from a return linked to the FTSE 100.</span></p>
<div style="background-color:#ffffff;font-family:Georgia,'Times New Roman','Bitstream Charter',Times,serif;font-style:normal;font-variant:normal;font-weight:normal;font-size:13px;line-height:19px;margin:0;padding:.6em;">
<p class="MsoNormal" style="line-height:normal;"><img style="border-right:10px solid white;" src="http://www.fairinvestment.co.uk/~/media/Images/Brochures/Double_Asset_Bond.ashx" alt="Skipton Double Asset Bond" width="80" height="114" align="left" /><strong class="Apple-style-span"><span style="font-size:12pt;font-family:&quot;">Please Note there is High Demand For this Product and Availability is Limited.</span></strong></p>
<p class="MsoNormal" style="line-height:normal;"><span style="font-size:12pt;font-family:&quot;">For all investment applications of £10,000 or more processed through Hurleys Ltd we will pay a<span class="Apple-converted-space"> </span><strong class="Apple-style-span"><span style="text-decoration:underline;">Cashback of 1%</span></strong><span class="Apple-converted-space"> </span>of the investment amount while this offer is available e.g. If you invest £10,000 we will send you a cheque for £100 one month after the date of your investment.</span></p>
<ul>
<li><span style="font-size:12pt;font-family:Symbol;"></span><strong class="Apple-style-span"><span style="font-size:12pt;font-family:&quot;">Capital Protected Investment</span></strong><span style="font-size:12pt;font-family:&quot;"><span class="Apple-converted-space"> </span>- Your original investment is Guaranteed and is returned to you at the end of the investment term.</span></li>
<li><span style="font-size:12pt;font-family:&quot;">Minimum Investment &#8211; £3,000: Maximum Investment &#8211; £250,000.</span></li>
<li><span style="font-size:12pt;font-family:Symbol;"></span><span style="font-size:12pt;font-family:&quot;">As the Bond  name suggests it is split into two parts. One third of your investment is invested in a 1 Year Fixed Rate Bond with a Guaranteed rate of 5.25% Gross pa/AER for 12 Months which is added to the bond at maturity. Two thirds of your investment is invested into an Index Linked Bond which offers a return of 100% of any positive growth dependent on the performance of the FTSE 100 index over a 5 and a half year period.</span></li>
<li><span style="font-size:12pt;font-family:Symbol;"></span><span style="font-size:12pt;font-family:&quot;">Maximum growth you can recieve is 40%.</span></li>
<li><span style="font-size:12pt;font-family:&quot;">You may withdraw up to 50% of your initial investment from the 1 Year Fixed Rate bond during the 1 year term.</span></li>
<li><span style="font-size:12pt;font-family:Symbol;"></span><span style="font-size:12pt;font-family:&quot;">No Capital Gains Tax Liability</span></li>
<li><span style="font-size:12pt;font-family:&quot;">100% of your investment is held by Skipton Building Society</span></li>
</ul>
<p class="MsoNormal" style="line-height:normal;"><strong class="Apple-style-span"><span style="font-size:12pt;font-family:&quot;">Full details of this product will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.</span></strong></p>
<p class="MsoNormal"><strong class="Apple-style-span"><span style="font-size:12pt;font-family:&quot;">For further details<span class="Apple-converted-space"> </span><a title="Guaranteed Bouble Asset Bond" href="http://www.debtmuncher.co.uk/Debtmuncher-Menu/contact-us.htm" target="_blank"><span style="text-decoration:underline;"><span style="color:blue;">contact us here</span></span></a></span></strong></p>
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		<title>Clear your Credit Cards legally due to flawed credit agreements</title>
		<link>http://hurleysltd.wordpress.com/2008/10/27/clear-your-credit-cards-legally-due-to-flawed-credit-agreements/</link>
		<comments>http://hurleysltd.wordpress.com/2008/10/27/clear-your-credit-cards-legally-due-to-flawed-credit-agreements/#comments</comments>
		<pubDate>Mon, 27 Oct 2008 13:44:38 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[clear credit card]]></category>
		<category><![CDATA[credit agreement]]></category>
		<category><![CDATA[credit agreements]]></category>
		<category><![CDATA[credit card wipe]]></category>
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		<category><![CDATA[credit squeeze]]></category>
		<category><![CDATA[flawed credit agreement]]></category>
		<category><![CDATA[flawed credit agreements]]></category>
		<category><![CDATA[government clear credit]]></category>
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		<category><![CDATA[office fair trading]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[unenforceable credit agreement]]></category>

		<guid isPermaLink="false">http://hurleysltd.wordpress.com/?p=48</guid>
		<description><![CDATA[Due to recent changes in legislation of credit card and unsecured loan agreements pre 2007, you could be entitled to reduce your credit card payments and/or its capital.  

On many occasions you could also be able to disregard your credit card balance in full due to the high probability that the credit agreement you originally signed is flawed and completely unenforceable. 

Under current consumer credit laws, when you enter into a contract with a bank or credit card company, the paperwork must contain certain prescribed details that you have clearly signed up to. If you haven't signed the agreement, or if the required legal elements aren't specifically stated, then the lender will find itself in trouble if it tries to take you to court for non-payment. In other words, the contract you have with the lender may be unenforceable and, therefore, worthless.
8 out of 10 credit agreements are defective in some way although they say that only 2 out of 10 contracts would probably be deemed 'unenforceable' by a court of law.

Financially savvy customers who are getting fed up with excessive charges and poor service may be able to use defective credit agreements as levers to get better deals from banks.
The service offered by Debtmuncher amounts to a free check of the most common terms of the consumer credit laws that tend to be breached by lenders.
Debtmuncher is not advocating that you walk away from a credit agreement and stop paying back what you've borrowed. Instead our service could provide you with a way of negotiating meaningfully with your bank.

What it means for you
So if you're having trouble paying back debt, you might persuade your lender to freeze the interest rate on your debt. Or you might be able to negotiate a 'full and final settlement' where your bank agrees to accept a sizeable payment in return for writing off the remainder of the debt. Although the old laws will apply to current credit agreements, the consumer credit rules changed from April 6th 2007. From then on, with any new contract, it'll be up to the courts to decide whether your particular credit agreement is unenforceable. Even if the contract you've signed contains incorrect details, a judge may feel that you knew perfectly well what you were agreeing to!
More about the law

The law relating to consumer credit has undergone a radical reform by virtue of the Consumer Credit Act 2006. This Act changes the way in which the Consumer Credit Act 1974 operates, and is generally being brought into force. A significant proportion of the Act's operations have been brought into force pursuant to the Consumer Credit Act 2006 (Commencement number 2 and Transitional Provisions and Savings) Order 2007, and a number of important provisions have come into force on 6th April 2006.

Further, the Consumer Credit (Agreements) Regulations 1983, have been substantially amended by the Consumer Credit (Agreement) (Amendment) Regulations 2004, which came into force 31st May 2005 and apply to agreements entered into after 31st May 2005 (except for regulated agreements which were given to the debtor for signature before 31st May 2005 but which were not made by that date - provided that they became executed agreements not later than three months after 31st May 2005)

It is therefore apparent that the precise date of the agreement is key to determining the appropriate regulatory regime for the Checker system.
Exempt agreements

The following agreements are currently exempt from the Consumer Credit Act 1974:

•	Agreements with limited companies

•	Agreements in excess of £25,000.00 limit pursuant to Section 8(2). It will be noted that this limit is to be removed, and the exemptions relating to high networth debtors/hirers and businesses set out in Section 16A and 16B will be brought into force at a future date.

•	Exempt agreements within Section 16.

•	Small agreements within Section 17.

For more information and Free Independent Advice regarding unenforceable credit agreements please contact Debtmuncher Debt Solutions. 
Work: 01727758 470
Mobile: 07958450124 
Email: debt@debtmuncher.co.uk
Web: http://www.debtmuncher.co.uk<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=48&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p class="MsoNormal" style="line-height:130%;margin:0;"><span style="font-size:13.5pt;line-height:130%;font-family:&quot;"><span style="text-align:center; display: block;"><a href="http://hurleysltd.wordpress.com/2008/10/27/clear-your-credit-cards-legally-due-to-flawed-credit-agreements/"><img src="http://img.youtube.com/vi/87ExMGlvBpo/2.jpg" alt="" /></a></span></span> </p>
<p class="MsoNormal" style="line-height:130%;margin:0;"> </p>
<p class="MsoNormal"><span>Due to the changes in legislation of credit card and unsecured loan agreements pre 2007 you could be entitled to reduce your credit card payments and/or its capital. </span></p>
<p class="MsoNormal"><span>On many occasions you could also be able to disregard your credit card balance in full due to the high probability that the credit agreement you originally signed is flawed and completely unenforceable.</span></p>
<p class="MsoNormal"><span>Under current consumer credit laws, when you enter into a contract with a bank or credit card company, the paperwork must contain certain prescribed details that you have clearly signed up to.</span></p>
<p class="MsoNormal"><span>If you haven&#8217;t signed the agreement, or if the required legal elements aren&#8217;t specifically stated, then the lender will find itself in trouble if it tries to take you to court for non-payment. In other words, the contract you have with the lender may be unenforceable and, therefore, worthless.</span></p>
<p class="MsoNormal"><span>8 out of 10 credit agreements are defective in some way although they say that only 2 out of 10 contracts would probably be deemed &#8216;unenforceable&#8217; by a court of law.</span></p>
<p class="MsoNormal"><span>Financially savvy customers who are getting fed up with excessive charges and poor service may be able to use defective credit agreements as levers to get better deals from banks.</span></p>
<p class="MsoNormal"><span>The service offered by Debtmuncher amounts to a free check of the most common terms of the consumer credit laws that tend to be breached by lenders.</span></p>
<p class="MsoNormal"><span>Debtmuncher is not advocating that you walk away from a credit agreement and stop paying back what you&#8217;ve borrowed. Instead our service could provide you with a way of negotiating meaningfully with your bank.</span></p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoNormal"><span style="text-decoration:underline;"><span>What it means for you</span></span></p>
<p class="MsoNormal"><span>So if you&#8217;re having trouble paying back debt, you might persuade your lender to freeze the interest rate on your debt. Or you might be able to negotiate a<a title="Debtmuncher Debt Solutions" href="http://www.debtmuncher.co.uk/" target="_blank"><span>&#8216;full and final settlement&#8217;</span></a> where your bank agrees to accept a sizeable payment in return for writing off the remainder of the debt. Although the old laws will apply to current credit agreements, the consumer credit rules changed from April 6<sup>th</sup> 2007. From then on, with any new contract, it&#8217;ll be upto the courts to decide whether your particular credit agreement is unenforceable. Even if the contract you&#8217;ve signed contains incorrect details, a judge may feel that you knew perfectly well what you were agreeing to!</span></p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoNormal"><span style="text-decoration:underline;"><span>More about the law</span></span></p>
<p class="MsoNormal"><span>The law relating to consumer credit has undergone a radical reform by virtue of the Consumer Credit Act 2006. This Act changes the way in which the Consumer Credit Act 1974 operates, and is generally being brought into force. A significant proportion of the Act&#8217;s operations have been brought into force pursuant to the Consumer Credit Act 2006 (Commencement number 2 and Transitional Provisions and Savings) Order 2007, and a number of important provisions have come into force on 6th April 2006.</span></p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoNormal"><span>Further, the Consumer Credit (Agreements) Regulations 1983, have been substantially amended by the Consumer Credit (Agreement) (Amendment) Regulations 2004, which came into force 31st May 2005 and apply to agreements entered into after 31st May 2005 (except for regulated agreements which were given to the debtor for signature before 31st May 2005 but which were not made by that date &#8211; provided that they became executed agreements not later than three months after 31st May 2005)</span></p>
<p class="MsoNormal"><span>It is therefore apparent that the precise date of the agreement is key to determining the appropriate regulatory regime for the Checker system.</span></p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoNormal"><span style="text-decoration:underline;"><span>Exempt agreements</span></span></p>
<p class="MsoNormal"><span>The following agreements are currently exempt from the Consumer Credit Act 1974:</span></p>
<p class="MsoNormal"><span>·        </span><span> </span><span>Agreements with limited companies </span></p>
<p class="MsoNormal"><span>·     </span><span>Agreements in excess of £25,000.00 limit pursuant to Section 8(2). It will be noted that this limit is to be removed, and the exemptions relating to high networth debtors/hirers and businesses set out in Section 16A and 16B will be brought into force at a future date. </span></p>
<p class="MsoNormal"><span>·        </span><span> </span><span>Exempt agreements within Section 16.</span></p>
<p class="MsoNormal"><span>·        </span><span> </span><span>Small agreements within Section 17.</span></p>
<p class="MsoNormal"><strong><span> </span></strong></p>
<p class="MsoNormal"><strong><span>For more information and Free Independent Advice regarding unenforceable credit agreements please contact Debtmuncher Debt Solutions.</span></strong></p>
<p class="MsoNormal"><strong><span>Work: 01727758 470</span></strong></p>
<p class="MsoNormal"><strong><span>Mobile: 07958450124</span></strong></p>
<p class="MsoNormal"><strong>Email: <a href="mailto:debt@debtmuncher.co.uk">debt@debtmuncher.co.uk</a></strong></p>
<p class="MsoNormal">
<p class="MsoNormal"><strong><span>Web:</span></strong><span> <a href="http://www.debtmuncher.co.uk/">http://www.debtmuncher.co.uk/</a></span></p>
<p class="MsoNormal"> </p>
<p class="MsoNormal"> </p>
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		<title>Hello world!</title>
		<link>http://hurleysltd.wordpress.com/2008/07/28/hello-world/</link>
		<comments>http://hurleysltd.wordpress.com/2008/07/28/hello-world/#comments</comments>
		<pubDate>Mon, 28 Jul 2008 10:42:09 +0000</pubDate>
		<dc:creator>hurleysltd</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Welcome to WordPress.com. This is your first post. Edit or delete it and start blogging!
       <img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=hurleysltd.wordpress.com&blog=4347207&post=1&subd=hurleysltd&ref=&feed=1" />]]></description>
			<content:encoded><![CDATA[<div class='snap_preview'><br /><p>Welcome to <a href="http://wordpress.com/">WordPress.com</a>. This is your first post. Edit or delete it and start blogging!</p>
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