week warns consumers about the impact mobile phone agreements can
have on their credit.
86% of UK households now have at least one mobile phone and mobile
spend in Q1 2005 was reported at £3.3 billion, 17% higher than the
same quarter in 2004. However, many consumers are not aware that by
purchasing a mobile phone on a 12 month contract, they are actually
taking out a line rental agreement which is shared with the credit
reference agencies. Leading online credit information provider,
MyEquifax, is therefore advising individuals to treat mobile phone
agreements seriously and understand how the information may impact
their credit file.
“This is particularly important when there are so many
tempting mobile phone deals around encouraging consumers to switch
between providers, especially leading into the festive season”,
confirmed Neil Munroe, External Affairs Director, MyEquifax.
“Whilst switching for the best deal is good financial management,
consumers need to ensure that old mobile phone agreements are
completely closed and settled and that this is shown accurately on
their credit file.”
Individuals who take out a number of mobile phone agreements in
their name, for other family members for example, may also find that
this impacts on their credit file and, therefore, their future
ability to obtain credit. Lenders view any credit agreements when
assessing an individual for a new credit application and if there
are a number of mobile phone agreements under one name, they may
suspect that the individual is financially over committing
themselves or that fraudulent activity might have taken place.
We advise consumers to use their credit file as a way of checking
the number and status of mobile phone agreements that are held in
their name. In particular, once an account has been closed, they
should apply for a copy of their credit file to make sure the lender
has updated the credit reference agencies and the account appears as
closed on their file. If the account still shows an outstanding
balance, this could affect their chance of being granted.
have become an essential part of every day living” confirmed
Neil Munroe. “It is important for individuals to be aware of
how a line rental agreement can affect their credit file, just in
the same way a credit card or a loan would. We therefore advise
consumers to apply for a copy of their credit report before applying
for any form of credit – including a mobile phone agreement.
By simply logging onto their website and obtaining a copy of their credit report
prior to making any applications, individuals can assess their
financial situation and deal with any issues that could prevent them
from being granted credit.”
For just £9.95 consumers
can obtain a copy of their Equifax Credit Report instantly, online
Peacocks Celebrates Liverpool Ladies’
Love of Fashion
PEACOCKS opens its first dedicated womenswear fashion store. Liverpudlian women love fashion and today Peacocks – one of the UK’s
leading High Street fashion stores – celebrates that fact by
launching its first ever womenswear-only fashion store at the Old
The Peacocks store at the Old Swan (616 Prescot Road, L13, telephone
0151 252 0487) has been a favourite with local fashionistas for
nearly 10 years who make regular visits to snatch up high fashion
items the minute they arrive in store. By transforming the store into
a wonderland of fashion essentials, Peacocks will be offering
Liverpool’s fashion savvy ladies even more great looks and excellent
This seasons’ womenswear range includes faux fur jackets, beautiful
feminine skirts, chunky knit jumpers and must-have oversized
hold-alls. Perfect for the Christmas party season, Peacocks has a
great range of glitzy tops, skinny jeans, fitted jackets and a
fabulous range of glamorous shoes and boots. The latest jet and
pearl jewellery and glamorous handbags will help complete the look.
“Peacocks is already known for offering shoppers excellent
value and great fashion at prices that are easy on the pocket. At
our Old Swan store it has been increasingly apparent that women
shoppers love the high fashion items so much, we felt it was a great
opportunity for us to offer female shoppers as much fashion as
possible by dedicating a whole store to them,” says Jane
Saville-Bowles, Peacocks Stores Regional Manager.
Other Liverpool Peacocks stores such as the Williamson Street, Belle
Vale centre and Huyton stores will still be offering menswear and
childrenswear in addition to womenswear, and of course lots of great
ideas for Christmas decorations and gifts for everyone!
Check out the website for more information and store finder at
What’s more, Peacocks offers all students holding a valid NUS or NUS
associate card 10% discount when visiting a Peacocks store (terms
and conditions apply. Please see in store for details). Shoppers can
also take advantage of the great savings and offers available to all
Peacocks Priority Club Card holders. Simply pick up a leaflet or ask
in store for more details.
THEFT FROM A PERSON IN SOUTHPORT,
are appealing for information following a theft
from a person on Grange Road, Southport.
On Thursday 13 October, between 12:00 and 12:30pm, a young girl was
approached by an unknown man, who reached around her and stole her
bag. He then ran off in the direction of Norwood Road.
The offender is described as white, approximately 5'10" to 6'01" and
of an average build. He is believed to be between 15 to 25 years of
age, and was wearing a black hooded top, Khaki / green tracksuit
bottoms and black Nike '90' football trainers. The man is also
believed to have a red cartoon devil tattooed on the back of his
Anyone who may have witnessed the incident, or with more
information, is urged to call Crimestoppers on 0800 555 111.