Personal finance

George and the insurance dragon

AFTER a three-year battle with her insurance company, Felicity George has finally received a payout she was entitled to.

But she only got there by using the financial complaints system and refusing to give up.

Credit Cards Loans Loan Search Current Savings

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Card	Rate	Duration	BT Fee	Typical APR
Capital One BT Platinum Card	0%	Until 01/11/2009	3.0%	15.9%
Virgin Credit Card	0%	15 mths	2.98%	15.9%
Capital One Platinum	0%	Until 01/10/2009	3.0%	12.9%
Barclaycard Platinum 'As on TV'	0%	14 mths	2.9%	14.9%
Barclaycard OnePulse For London	0%	14 mths	2.9%	14.9%

Card	Rate	Duration	Typical APR
Capital One Platinum	0%	Until 01/10/2009	12.9%
Capital One Platinum Exclusive	0%	Until 01/05/2009	9.9%
Halifax One Online Special	0%	10 mths	15.9%
Bank of Scotland	0%	10 mths	15.9%
Barclaycard Life of Balance	0%	10 mths	15.9%

Card Name	Intro Duration	BT Duration	Typical APR
Capital One Platinum	Until 01/10/2009	Until 01/10/2009	12.9%
Capital One Platinum Exclusive	Until 01/05/2009	Until 01/05/2009	9.9%
Capital One BT Platinum Card	Until 01/11/2008	Until 01/11/2009	15.9%
Halifax One Online Special	10 mths	10 mths	15.9%
Bank of Scotland	10 mths	10 mths	15.9%

Card	Cashback
American Express Platinum	5% Moneyback for 3 months, up to 1.5% thereafter
Capital One Cashback	2% CB on £1,000 to £2,000 spend per statement period
Shell MasterCard - Citi	3% rebate on Shell fuel spend, 1% on other purchases
Barclaycard Cashback	4% Cashback until 31/07/08, 0.5% until 01/01/10

Card	BT Rate	Typical APR	Duration
MBNA Platinum Rate for Life	4.9%	15.9%	Life of Balance
Capital One Low Rate Balance Transfer	5.5%	15.9%	Life of Balance
Citi Platinum Life of Balance	5.8%	16.9%	Life of Balance
Barclaycard Life of Balance	6.5%	15.9%	Life of Balance

Card	Typical APR	Interest Free Days
Capital One Low Rate	8.5%	56
Barclaycard Low Rate Special	8.8%	56
Capital One Platinum Exclusive	9.9%	56
The Co-operative Bank Fixed Rate Platinum	9.9%	46

Card	Loyalty Rewards
MBNA Platinum Rewards Card	1 point for every £1.00 spent
Blue Sky Card from American Express	A point for almost every £1 spent
M&S Credit Card	Earn M&S points every time you spend

Fees may apply

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Card	Typical APR	Minimum Amount	Maximun Amount
FirstPlus Exclusive Rate	6.6%		Cheapest homeowner loan rate in the UK! For loans £10,000 - £100,000. Typical APR 8.1%
Moneyback Bank	7.6%		Earn moneyback with payment protection. Typical APR 7.6%
Alliance & Leicester	7.7%		Applying online takes 10 mins and you could have a decision within the hour. Typical APR 7.7%
Barclaycard Personal Loan	7.8%		Simple and quick online application. No arrangement fees. Typical APR 7.8%
Halifax (Semi-exclusive)	7.8%		No repayments for first three months. Typical APR 7.8%
Bank of Scotland (Semi-exclusive)	7.8%		Loans available from £7,000 to £13,000 No repayments for three months. Typical APR 7.8%
Barclays	7.9%		Existing customers can get an immediate decision. Typical APR 7.9%

Card	Typical APR	Minimum Amount	Maximun Amount
FirstPlus Exclusive Rate	8.1%		Cheapest homeowner loan rate in the UK! For loans £10,000 - £100,000. Typical APR 8.1%
Norton Finance	8.9%		Homeowner loan for any purpose. Typical APR 13.9%
Ocean Finance	9.5%		Loans for homeowners. Fixed for loan term available. Typical APR 14.9%
Central Capital	10.6%		All circumstances considered. Typical APR 14.9%

Card	Typical APR	Minimum Amount	Maximun Amount
Norton Finance	12.4%		Homeowner loan for any purpose. Typical APR 16.4%
Ocean Finance	13.9%		Loans for homeowners. Fixed for loan term available. Typical APR 14.9%
Everyday Loans Limited	59.6%		A straightforward way to borrow money locally - as and when you need it. Typical APR 59.6%

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Fees may apply

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Provider	Account	AER*	Minimum Investment
BRADFORD & BINGLEY	Internet Saver 3	6.51%	£1
CAPITAL ONE SAVINGS	Easy Access Savings Account (Issue 5)	6.50%	£500
INTELLIGENT FINANCE	iSaver	6.40%	£1
ICESAVE	Easy Access Account	6.30%	£250
ICICI BANK	HiSAVE Savings Account	6.16%	£1
SAINSBURYS FINANCE	internet saver	5.50%	£1

Provider	Account	AER*	Minimum Investment
ABBEY	Instant Access Saver	6.50%	£1000
EGG BANKING PLC	Egg Savings Account (Internet)	6.30%	£1
ING DIRECT	Savings Account	6.00%	£1

Provider	Account	AER*	Minimum Investment
ALLIANCE & LEICESTER	eSaver	6.50%	£1
CITIBANK	Reward Saver (Issue 2)	6.15%	£1

Provider	Account	AER*	Minimum Investment
BRADFORD & BINGLEY	1 Year Fixed Term eBond Issue 31	7.00%	£1000
ICICI BANK	HiSAVE Term Deposit	7.00%	£1
ICESAVE	6 Month Fixed Rate Savings Account	6.86%	£1000
ICICI BANK	HiSAVE Term Deposit	6.70%	£1
STANDARD LIFE BANK	1 Year Fixed Rate Bond	6.05%	£1000

Provider	Account	AER*	Minimum Investment
HSBC BANK PLC	Cash e-ISA	6.25%	£1
ICESAVE	Easy Access ISA	6.10%	£1000

Provider	Account	AER*	Minimum Investment
WHITEAWAY LAIDLAW BANK LIMITED	90 Day Notice Account	6.26%	£1000
BRADFORD & BINGLEY	Internet Saver Notice (Issue 1)	6.10%	£1000

Provider	Account	AER*	Minimum Investment
COVENTRY BS	50 Plus eSave (4)	6.25%	£1

Provider	Account	AER*	Minimum Investment
ALLIANCE & LEICESTER	Premier Regular Saver	12.00%	£10

Fees may apply

How to win when you're let down

HOWEVER careful you are when making financial decisions, it's inevitable that you will be let down by a product or service at some point. But if you know how to complain effectively you can get redress - and make sure you are not out of pocket.