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	<title>Personal Loans Blog UK</title>
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	<link>http://www.personal-loans-blog.co.uk</link>
	<description>Find up to the minute information on personal loans in the uk. Includes news stories and commentary on the uk finance market. Provides useful guidance on low rate personal loans and cheap loans from a variety of sources.</description>
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		<title>VAT on children&#8217;s clothes in an election year?</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/vat-on-childrens-clothes-in-an-election-year/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/vat-on-childrens-clothes-in-an-election-year/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 14:44:48 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/vat-on-childrens-clothes-in-an-election-year/</guid>
		<description><![CDATA[A think-tank which might be aiming to be the most unpopular organisation in the country, after the Labour Party, has claimed this week that the government should impose VAT (value added tax) on food, children’s clothes and household energy.
These goods are currently exempt from VAT because they are considered necessities and therefore a tax would [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The amount of UK debt being written off is soaring</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/the-amount-of-uk-debt-being-written-off-is-soaring/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/the-amount-of-uk-debt-being-written-off-is-soaring/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 12:53:24 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/the-amount-of-uk-debt-being-written-off-is-soaring/</guid>
		<description><![CDATA[The amount of debt that was written off because defaulting borrowers could never repay it increased hugely in 2009 according to new figures from the Bank of England (BoE).
The figures show that £4.1 billion of credit card debt was written off in 2009, compared to £3.2 billion in 2008. This represents an increase of 30% [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/the-amount-of-uk-debt-being-written-off-is-soaring/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Women and the young increase Isa take-up</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/women-and-the-young-increase-isa-take-up/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/women-and-the-young-increase-isa-take-up/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 10:49:13 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/women-and-the-young-increase-isa-take-up/</guid>
		<description><![CDATA[An interesting report released this week shows that ever greater numbers of young people and women are taking up the option of tax free savings in Individual Savings Accounts or Isas.
Isas were introduced 10 years ago by the government in an attempt to encourage people to get into the savings habit. As such they were [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/women-and-the-young-increase-isa-take-up/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Unsecured credit card debt can lead to repossession</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/unsecured-credit-card-debt-can-lead-to-repossession/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/unsecured-credit-card-debt-can-lead-to-repossession/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 18:16:06 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/unsecured-credit-card-debt-can-lead-to-repossession/</guid>
		<description><![CDATA[The Ministry of Justice is investigating whether or not to set a minimum amount of debt before a court can order the sale of a home after a series of cases where people have lost their homes after defaulting on relatively small credit card debts or loans.
The problem is that some creditors are managing to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Irresponsibility returns to the UK credit market</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/irresponsibility-returns-to-the-uk-credit-market/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/irresponsibility-returns-to-the-uk-credit-market/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 18:12:32 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/irresponsibility-returns-to-the-uk-credit-market/</guid>
		<description><![CDATA[After a few months of financial sanity where it looked like the lessons of the past two years had been learnt by the teeming mass of the British public, we are now back to the same old irresponsible ways of the past.
It has been revealed this week that new borrowing on credit cards, loans and [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/irresponsibility-returns-to-the-uk-credit-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Defaulting on credit no longer</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/defaulting-on-credit-no-longer/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/defaulting-on-credit-no-longer/#comments</comments>
		<pubDate>Mon, 25 Jan 2010 11:24:46 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/defaulting-on-credit-no-longer/</guid>
		<description><![CDATA[Amongst a more general picture of economic health that emerged last week there was a piece of particularly good news for the UK credit market.
The Bank of England (BoE) Trends in Lending report has claimed that lenders overestimated the number of people who would default on unsecured credit such as credit cards and loans over [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/defaulting-on-credit-no-longer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Easy Credit: No problem no longer</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/easy-credit-no-problem-no-longer/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/easy-credit-no-problem-no-longer/#comments</comments>
		<pubDate>Wed, 20 Jan 2010 11:04:40 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/easy-credit-no-problem-no-longer/</guid>
		<description><![CDATA[A battle is brewing between the government and the UK credit industry over new plans to regulate the market and curb the excessive practices of some lenders.
Currently, government proposals include stopping credit card firms changing interest rates on existing debts and ensuring the most expensive debts are paid off first.
But now a trade body, the [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/easy-credit-no-problem-no-longer/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A new, more effective FSA emerges.</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/a-new-more-effective-fsa-emerges/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/a-new-more-effective-fsa-emerges/#comments</comments>
		<pubDate>Tue, 12 Jan 2010 10:52:52 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/a-new-more-effective-fsa-emerges/</guid>
		<description><![CDATA[It would seem that the Financial Services Authority (FSA) is finally growing some teeth. The City regulator handed down record fines of nearly £35m in 2009, and it plans to increase the total in the future.
The FSA levied 41 significant fines during the year, the largest being the £8m ordered from Swiss banking giant UBS. [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/a-new-more-effective-fsa-emerges/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A bad year for loan borrowers, but savers didn&#8217;t do much better</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/a-bad-year-for-borrowers-but-savers-didnt-do-much-better/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/a-bad-year-for-borrowers-but-savers-didnt-do-much-better/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 13:08:57 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/a-bad-year-for-borrowers-but-savers-didnt-do-much-better/</guid>
		<description><![CDATA[Figures out this week have shown that despite all the problems encountered this year by prospective borrowers, this year has also been a turbulent one for savers as well.
The figures show that UK savers had an increasing number of savings products to choose from in 2009 but interest rates were at record lows.
An extra 220 [...]]]></description>
		<wfw:commentRss>http://www.personal-loans-blog.co.uk/personal-loans/a-bad-year-for-borrowers-but-savers-didnt-do-much-better/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Large losses at a debt management company.</title>
		<link>http://www.personal-loans-blog.co.uk/personal-loans/large-losses-at-a-debt-management-company/</link>
		<comments>http://www.personal-loans-blog.co.uk/personal-loans/large-losses-at-a-debt-management-company/#comments</comments>
		<pubDate>Mon, 14 Dec 2009 08:09:48 +0000</pubDate>
		<dc:creator>Will</dc:creator>
				<category><![CDATA[Personal Loans]]></category>

		<guid isPermaLink="false">http://www.personal-loans-blog.co.uk/personal-loans/large-losses-at-a-debt-management-company/</guid>
		<description><![CDATA[An ironic story has hit the news this week. It has emerged that the Edinburgh-based debt solutions company, Invocas, has reported half year pre-tax losses of more than £1.5m.
Most of the loss was down to one-off restructuring costs, including money paid out after terminating contracts.
Earlier this year, Stephen Lightley stood down as chief executive with [...]]]></description>
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		<slash:comments>0</slash:comments>
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