You can use the APR to compare different lenders' rates... Mainstream borrowers with a good credit history are indeed likely to have many options... http://www.unsecured-loans-1.co.uk/loans
The FSA will be limiting cold-calling for regulated mortgage products unless there is an established customer relationship and the consumer has indicated that they want such approaches... Maybe you will find ways to cut back on things that are not essential so that, if you do still need to borrow, you won't get into difficulties... It is very easy to buy something because we are being offered interest-free credit, or a 'buy now, pay nothing for six months' scheme... http://www.homeowner-loan-1.co.uk/loans
In addition, if you borrow more than the lender agreed, or don't pay it back in the time you agreed, you will probably have to pay extra charges on top of the interest... Less than one fifth of respondents would go to a CAB... The credit card market is highly competitive and card companies love customers like you who run up debts on which they can charge interest... Approximately a third of those with loan said that the status of the loan was not explained at all or was explained poorly... http://www.loans-in-uk.co.uk/loans