News

What is APR and How Does It Work?

November 21, 2019

What is APR?

Annual percentage rate (APR) is the official rate used to help you understand the cost of borrowing. It takes into account the interest rate and additional charges of a credit offer. All lenders have to tell you what their APR is before you sign a credit agreement.

How does APR work?

APR is used for comparing credit cards and unsecured loans, and is expressed as a percentage of the amount you’ve borrowed. For example, a personal loan with a 15% APR should be cheaper than one with a 17.5% APR, although you should always check the terms and conditions. Click here to read full article

First Choice AGM 2019 - Save the Date

December 05, 2019

Our AGM will be on Thursday 5th December 2019 at 6:30pm at

 

Haslingden Community Link

Bury Road

Haslingden

Rossendale

BB4 5PG

Why not come along and meet the team?

Thomas Cook collapse: Your questions answered

September 26, 2019

The collapse of Thomas Cook has understandably left many people searching for answers about the impact on their holiday plans.

Here are some of your typical questions, which we have done our best to answer,

Consumer rights

Q: "I have paid for flights to Goa in January with Thomas Cook - can I claim the money back from my credit card company? If so, how do I go about this?"

Click here to read article

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Universal Credit changes in October: Why claimants could get MORE money from next month

January 01, 2020

UNIVERSAL CREDIT claimants will see changes to their payments from next month, as the Department for Work and Pensions roll out revisions to the benefit. Some claimants could get more money in their pocket as a result of the changes.

Click here to view whole story

New 'Family Loans'

September 05, 2019

First Choice Credit Union are now offering 'Family Loans'

A 'Family Loan' is where a parent or guardian can borrow up to £500 as long as they arrange for their Child Benefit to then be paid into an account with the credit union.

Part of the weekly Child Benefit is then taken to repay the debt and part is placed into savings.

This is an ideal way to help cover those expense that don't crop up everyday and haven't been budgeted for.

CLICK HERE TO READ WHAT BBC NEWS HAD TO SAY ABOUT THESE

Genius trick to get a school uniform for less than £1

August 17, 2019

A mum-of-five who faced a £600 bill to send her kids back to school set up a £1 swap shop to trade outgrown uniforms with other parents.

CLICK HERE TO READ THE FULL ARTICLE.

Alan Turing to be the face of new £50 note

July 29, 2019

Alan Turing, the scientist best known for helping to crack the Enigma code during World War Two, is to appear on the new £50 note, the Bank of England has announced. The polymer £50 note, featuring Turing on its reverse, is expected to enter circulation by the end of 2021. Turing will replace Matthew Boulton and James Watt who are currently featured on the reverse of the note.

Summer holidays: how to get help with the childcare costs

July 18, 2019

Sorting out childcare for the school summer holiday can be stressful and costly – but there is financial help available to make things easier.

Many parents will be aware of government schemes such as tax-free childcare but did you know these can be used to help pay for holiday clubs and summer camps as well as nurseries, after-school clubs and so on?

Experts are urging parents to make sure they are taking full advantage of what’s on offer.

To find out more and read the full article Click Here.

BBC CHILDREN IN NEED EMERGENCY ESSENTIALS PROGRAMME

June 16, 2019

To give some background, Family Fund Business Services are now delivering the BBC Children in Need Emergency Essentials Programme (previously this was Buttle UK). We started delivering the programme in June and we are very keen to spread awareness about the programme in order to meet the needs of as many families as possible.

CLICK HERE TO READ THE FULL ARTICLE.....

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