UrbanPlaza.co.uk is a growing UK's online retailer of urban, hip hop clothing and street wear fashion. The UK based retailer selling men's and ladies from brands such as Akademiks, Ecko, Mecca, Phat Farm, Live Mechanics, Zoo York, Sir Benni Miles, G-Unit, Southpole, Baby Phat, Coogi, ECKO, EckoRed, Your Truly, Karl Kani, Black Label and more.

They offer expanding ranges for men and women and adding new products and brands continually. UrbanPlaza is not only competitive on product price but also on delivery. We are offering FREE delivery for orders over £50 in the UK.

Hen Night HQ offers everything a bride to be needs for her special night! This company offers products from as little as 59p with free delivery and an option to choose a desired delivery day!

Hen Night HQ offer the largest range of hen night products at affordable prices. They offer a free party planner section on their website, an option to create your own hen night t-shirts, an amazing range of fancy dress outfits, silly willy straws, hats and head gear, saucy novelty chocalates and much, much more!

Click on the above banner to take a look at whats on offer - it's free to look and a great giggle!

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BingoHall.com offers a realistic BingoHall experience with the most technologically advanced online bingo software available on the Internet today. BingoHall.com features over 300 unique bingo games and patterns. We aim to make all of our games simple and easy to play, yet colorful and exciting. You can chat live with bingo players all over the world, just like you were spending an evening at your favorite local BingoHall.
BingoHall.com allows you to play bingo online in your Internet browser using flash technology, or you can download a full featured version of the bingo software to your desktop PC to play in stunning 3-D graphics. Whichever software version you choose, you will be able to have live chats with your fellow bingo players and a convenient pre-purchase option so you never need to miss the start of a bingo game.
BingoHall offers a variety of special promotions, with $1,000 Jackpot games every hour, and special $10,000 Jackpot games from time to time. And there are many other opportunities to earn extra BingoHall Bucks. Every game at BingoHall has one or more winners. Games with multiple winners share the prize money evenly.
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Playing at BingoHall.com gives you a very realistic BingoHall experience. You hear the sounds of all the bingo calls and important messages. You can choose from one to 24 cards to play each bingo game. The auto-daub feature ensures that you don't miss your numbers and the pre-purchase feature ensures that you never miss the start of a game. There are a variety of different game streams to choose from, each with a different theme. Multiple chat rooms to chat with other bingo players. Each of the 75 Bingo balls are color-coded to match those typically used in your local BingoHall. Winnings are automatically credited to your account when you have a winning card, even if your computer becomes disconnected from the Internet during a game or if you experience any other technical problem that might prevent you from completing the game. Bingo games run all the time, 24 hours per day, so you never have to wait long to play a game.
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Get £10.00 absalutely FREE when you register with 32 Red Bingo.

Bingo is one the world's most popular games. It's been played in a virtually unchanged format since 1530 when the first games were played in Italy. However, no country has embraced bingo like the UK, with nearly 90 million players (according to a year 2000 report) playing in 699 registered bingo halls. So the first thing you should know when looking to join an online bingo operator is that you're not alone. There are thousands of bingo players, all with a similar interest in the game waiting for you to join them. So play, chat and win with friends at 32Red Bingo. Join now for a £10 welcome bonus and play instantly. 

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• Your email address and a telephone number for contacting you in case of any discrepancies.
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This prize is brought to you by Offers Click and Email Inform.

Make sure you hear about great money-saving offers and be in with a chance to WIN your £10,000 ISA allowance.

Complete the consumer survey to be automatically entered into our prize draw AND ensure you get deals and offers in the future tailored to suit your needs.

About Offersclick and Emailinform

Offersclick and Emailinform aim to bring you some of the best offers, discounts and competitions on the Internet. All of the offers have been chosen specifically to benefit you by giving you something fun, useful, entertaining or just downright cheaper than usual! We do all the hard work of looking around for the best offers, so that you don't have to.

We change the offers frequently, so that you should be able to find something new at the site on a regular basis. All we ask is that you complete a sign-up survey so that we can bring you further offers, either on the website or by email, which match your lifestyle. The information you give us in the survey will help us to choose the offers and competitions which most closely match your interests, so the more you can tell us, the more relevant your offers will be.
We also run prize draws, many of which are exclusive to Offersclick and Emailinform and provided by our clients; you won't find these prizes anywhere else. Each time you complete a short sponsored survey at the website, you'll be entered into the relevant prize draw. Our clients ask these questions to help them understand what kinds of products and services UK consumers would like to see.
This may be information ranging from what kind of holiday breaks you enjoy right through to whether you've recently bought a new car. By collecting your answers, and those of other UK consumers, we help clients bring new products onto the market which will match your requirements, or to improve existing products.
Offersclick and Emailinform are run by Acxiom, who are the UK's leading permission-based email marketing company, working with major high-street and online brand names to bring you offers, information and competitions on the website and via email or post. When you fill out the signup survey, you are given the option to enter your email address to receive further offers.
If at any time you feel our service is no longer for you, you can visit the website and unsubscribe via the link on the home page.

If you would like to know more please click on the banner above the post and you will be redirected

Preloved was started in 1998 and has grown to become one of the largest classified advertising sites in the UK with hundreds of thousands of adverts in over 500 categories.

If you are buying or selling second hand, Preloved offers a great alternative to the hassle and expense of auction sites, and a friendly alternative to other more anonymous classifieds. This is because:

It's fast – No waiting 7 days for the auction to finish. No procession of potential bidders coming to visit. No travelling miles to then later be outbid.

It's free to sell – Preloved has no listing fees, no selling fees and no catches.

It's local – Once you become a member of Preloved, we automatically prioritise adverts in your local area. This means you can visit the seller and inspect the item before handing over the cash. 

It's friendly – Preloved aims to connect you with local people that share your common interests. We hope that you not only grab yourself a second hand bargain, you'll make a friend in the process.

It's all about second hand – Most items on Preloved are second hand. Therefore, items are cheap because they have been previously owned, not just because they're … well, just cheap.

It's good for the planet – Selling second hand is a one of the most effective ways to recycle. By finding a new home for your unwanted items, you are cutting down on unnecessary manufacturing and land fill.

Win Prizes online with PrizeBug!

If you've ever wondered how to win competitions, then you'll be pleased to know the answer is simple - you just have to enter them! PrizeBug is one of the UK's fastest growing UK Competition websites that has enabled thousands of people to win prizes online by scouring the Internet for competitions in the UK. Simply enter as many comps as you like, and if you're drawn as the winner, then you win the prize - Happy Days!

All of the uk competitions on PrizeBug are neatly categorised via the menu to your left, so if you're looking to win a trip to New York, then you just need to look in the "Holidays" section. And of course if you're looking for win a car competitions, then you'll be motoring off to the "Cars" category. Of course, you might not be that fussy, and so if you're just as happy to win a free laptop as you are to win a garden makeover or win a cruise, then you'll be in competition heaven here at PrizeBug!

You don't need to register with PrizeBug to enter the free to enter competitions, but if you do decide to register, then you'll get the chance to Win a Chocolate Fountain. Members are kept up-to-date with the best prizes available with Prizebug's weekly newsletter - No more hunting around for competitions in the UK, they come straight to your mail box so you can win prizes online even quicker!

These UKPaintball box sets for 5 are valid for 6 months and are open for use at any one of our nationwide venues.

2 for 1 - Special Offer, Buy 1 UKPaintball Gift Box Set for £29.99 and we'll send you another one
for FREE

Gift Box Includes:
    Paintball park entry for 5 people
    Camo overall hire
    All equipment rental
    Semi auto-gun rental
    8 - 10 paintball games
    Lunch*
    100 FREE Paintballs for the organiser
(one group organiser per party of five)

*Lunch at participating venues only

Paintball Vouchers are a great way to treat a friend, partner or loved one. Our paintball vouchers are valid for 6 months and can be used at anyone of our 45 paintball parks in the UK. The paintball vouchers include full day entry, all equipment hire (including goggles, hopper, ambush hood, coveralls and semi-auto paintball gun), 8-10 exhilirating games of paintball, unlimited gas refills and Lunch*. *lunch at participating venues. Paintball vouchers are an increasingly popular gift and make a welcomed change to a pair of socks or aftershave. The outdoor experience will provide a full day of exciting paintball combat with plenty of laughs and memories along the way. Buy your paintball vouchers online today and we guarantee to dispatch the same day! (for paintball voucher orders placed before 4pm. Mon-Fri)

Stag & Hen

Looking for the perfect Stag or Hen send off? Then you have definitely come to the right place. UKPaintball specialise in Stag/Hen events, supplying a range of funny costumes (for the stag or Hen) and have a range of wild game scenarios to make your day with us a very memorable and fun occasion.

For the groom, UKPaintball can supply the infamous ‘bunny suit’ (see video) or the increasingly popular ‘jail break’ prisoner suit. The ladies don’t get away lightly either with the ‘nun suit’ being a popular option or the ‘mother hen’ costume.

After an awesome days paintballing, crack a bottle of bubbly open in the safe camp before heading off for your evening activities. There will be many a tale for the evening with countless memories for years to come.

  

Corporate & Office

Paintball days are still a huge hit with the
corporate sector. This is mainly because it
draws on teamwork playing such an important part of the day.

Other skills that will need to be used are communication and planning, both of which are key within the work place. Paintball will be a great chance to reward your staff and an opportunity to see who the real team players are and which ones hold their nerve whilst under pressure from the opposition. 

Birthdays

Having a Birthday celebration, or perhaps just want a fun day paintballing with friends and family then look no further.

UKPaintball cater for all group styles, whatever the occasion.

Hugely popular with birthday bookings, paintball is now an essential part of the celebrations and a great way to get your pals together to start the day off with as many laughs as paintballs are fired. 

A typical paintball day is as follows*:
• Arrive, promptly, on site for start time • Sign in and be issued your kit for the day • Be briefed on the day, safety briefing and do’s & don’ts • Meet your team-mates and stratergise your attack • Goggles on • Pick up your weapons and wait for the whistle • Let the fun (and carnage) begin!!	You will play between 8-10 games of paintballs on different game zones. You will usually break between games, allowing you to have a drink and boast to team-mates how good you were. The action is interrupted for a short lunch stop, use it to re- energise for the afternoon session.

About Glasses 4 Eyes

Our aim

Our aim is to save money for the UK public on the purchase cost of their prescription glasses and prescription sunglasses.
Rather than only having one pair of glasses due to the (until now) prohibitive cost of buying additional pairs wouldn't it be nice to have a pair for driving, a pair for watching TV, a pair for playing golf in, or simply different styles to suit your mood on the day ?
The days of high prices on the high street may still be here, but now you have a genuine alternative and the opportunity to save a lot of money.
Glasses 4 Eyes supplies high quality glasses tailor made to your prescription for as little as £15 - including hard coated lenses, cleaning cloth and case.

No need to worry about quality...

Our laboratory actually supplies many high street retailers already, but by ordering through Glasses 4 Eyes you can cut out the huge margins the high street retailers currently build in to their costs.
Our laboratory employs the services of general Optical Council Registered Dispensing Opticians who supervise the dispensing of all our glasses. The two directors of our laboratory alone have over 50 years of experience between them.
All of our frames have CE marks (ie confirming that they fulfil all essential safety and environmental requirements as defined in applicable European Directives). Our frames also conform to ENV 14027, and International Standards Organisation number 12870.

No need to worry about security...

Your payment and order details are sent across a secure connection that uses a high-grade encryption certificate. This means that the information is encrypted and cannot be read by anyone other than ourselves. You can see that the pages are secure because the first part of the address in the address bar changes from being http:// to https:// on pages where you can enter sensitive information. You will also see a padlock symbol or key in the bottom bar of your browser.

Prescription Glasses

Glasses4Eyes have a massive selection of spectacles frames for you to choose from.
Our Standard range of prescription glasses rival the more premium frames offered by many high street opticians but come at incredibly low prices - from under £18.00 including prescription lenses.
The Premium range of glasses frames includes elegantly understated designs aswell as much more funky contemporary styles - the range is very extensive indeed (49 different styles) so it should be extremely easy for you to find a size and style that's perfect for your new prescription glasses
If that wasn't enough then our Acetate range offers a massive 63 different styles - as with all of our glasses frames you can order these as prescription glasses or prescription sunglasses
To top things off why not check out our Sem-rimless frames (32 styles to choose from) or our Rimless and Bendable styles.
Remember that most of our different styles of spectacle frames come in a choice of colours !
We'll be shocked if you can't find a pair of prescription glasses that's right for you - but if you just can't decide then why not take advantage of our Re-glazing service. We can fit prescription lenses into your existing glasses frames or into new spectacles frames bought elsewhere

Prescription Sunglasses

Glasses4Eyes have a massive selection of sunglasses frames for you to choose from.
The extensive range can appear daunting at first so we have tried to summarise your options below into 2 fundamental choices.
Choice 1 features what would typically be considered to be true sunglasses frames. The prices shown all include tinted single vision prescription lenses complete with uv400 coating to protect your eyes against harmful uv rays. There are various other options available on the online order form - for example you can even select a graduated tint !
Choice 2 features all of the spectacle frames on the website. They can all be ordered complete with lenses tinted to a colour of your choice and with uv400 coating to protect your eyes from harmful uv rays. Just pick the frames you like from our extensive range and add the tints and coatings you would like on our online order form - it's that easy !
We'll be shocked if you can't find a pair of prescription sunglasses that's right for you - but if you just can't decide then why not take advantage of our Re-glazing service. We can fit prescription sunglasses lenses into your existing frames or into new spectacles frames bought elsewhere

Transitions® Lenses

ALL of the frames (except for the sunglasses frames) shown on our website can be supplied with photosensitive lenses - ie they change from virtually clear in normal light to tinted under bright light.

We tend to use 2 x types of lenses - Transitions® Lenses or Sunsensors Lenses - which we use depends upon your prescription and certain other lens choices you make at the time of ordering. As far as you, the customer, is concerned both lens types are essentially the same as eachother.

The additional costs can vary but they are typically just £39 for Single Vision Prescription Lenses (£75 for Bifocal Prescription Lenses).
We can also Re-Glaze your existing frames with Transitions® Lenses 
Transitions® lenses are perfect all round lenses, offering everyday use with fantastic visual acuteness as well as 100% UV protection and glare reduction.
They are ideal for most people’s everyday lives by eliminating the inconvenience of carrying around an extra pair of prescription sunglasses

Designer Frames

Glasses4Eyes have an impressive selection of designer spectacle frames for you to choose from.
Our Kangol and Storm ranges are particularly impressive featuring some real cutting edge designs - which, to be honest, is only what you would expect from these young up and coming labels.
All of the designer frames shown can, of course, be ordered with prescription lenses or prescription sunglasses lenses aswell as our usual wide range of lens options and coatings - just see the online order form and FAQs for more details.
Follow the brand links below to view our superb selection of designer glasses, frames and lenses.

Joining Ipsos Access Panels

* What is Ipsos Access Panels?

Ipsos Access Panels is comprised of hundreds of thousands of people who share their opinions. Members take surveys and help shape the products and services we all use everyday.

As a panel member, you have the opportunity to take surveys and influence the marketplace on a wide variety of subjects. Many panelists even get to see new ideas or test new products and services before the general public.

How do I join the Ipsos Access Panels?

You can join directly from our website! Just click the JOIN link in the menu!

The registration form asks questions about you and your household. We use this information to determine which surveys will be most appropriate for you. For example, we won’t send you a survey about dog food if you don’t have a dog in your household.

Why should I join Ipsos Access Panels? What are the member benefits?

What you’ll get:

* Opportunity to influence political, social, and, in particular, consumer decision makers with your thoughts and opinions.

* Earn points for taking surveys — points add up fast and you can redeem them for great stuff.

* Automatic entry into a draw for one of three prepaid shopping cards worth £850 each, just for joining. Learn more.

* Other opportunities to win great prizes, including our annual car give away. Learn more.

* Free membership - Being a member never costs you anything ... ever.

A note about what you won’t get:

If you were promised lots of money for taking surveys, this offer did not come from Ipsos and is not legitimate. As a member of Ipsos Access Panels, and most other legitimate market research companies, you will not earn big money by taking surveys.

Does it cost anything?

Membership is always completely free. There are no hidden fees and we pay all expenses (including mailing costs for product tests and rewards). In fact, you’ll earn reward points and contest entries for taking surveys.

How often will Ipsos Access Panels contact me?

We’ll contact you via email whenever there is a survey for you to take. Most members receive at least one survey each month and on average, about four per month. It is always your choice whether you take a survey, but the more surveys you take, the more points you earn.

We’ll also occasionally send you emails when there are important panel news that you should know about right away.

How much money will I make for taking surveys?

You will earn reward points which can be redeemed for High Street vouchers and Amazon.co.uk gift certificates. Points add up fast – most surveys are worth 5 to 250 points and members get an average of 4 surveys each month.

If you were promised lots of money for taking surveys, this offer did not come from Ipsos and is not legitimate. As a member of Ipsos Access Panels, and most other legitimate market research companies, you will not earn big money doing surveys. Your say WILL count. You WILL get chances to earn points to redeem for great prizes. You WILL be first in the know. And we deliver the rewards we promise.

What if I no longer want to be a member?

Your membership is always voluntary and you can decide whether or not to take any surveys that you are invited to.

If you would like to terminate your membership, just click the unsubscribe link and follow the instructions. If you have points remaining in your rewards account, you can redeem them for up to 30 days after terminating your membership.

Please allow 10 days for us to process your unsubscribe request. If you receive survey invitations or emails during that time period, please ignore them.

Surveys

How often will I receive survey invitations from Ipsos Access Panels?

The number of surveys you receive will vary. Most panelists receive at least one survey invitation every month with an average of four per month. Based on their profile information, some members receive a few more than this. It is always your decision about whether or not you take a survey.

How do I receive my points or other rewards for taking a survey?

Anytime you access a survey, either by email or on our website, our system registers earned reward points and/or contest entries as soon as you complete the survey.

For most surveys, the earned points will be added to your account within a few minutes of survey completion.

Earning points

How do I earn points?

Earn points by taking Ipsos Access Panels surveys. The number of points you earn for each survey depends on several factors, including survey length. Your points will be deposited in your rewards account within a few minutes after you complete most surveys. You will see the rewards associated with each survey after you first click on the survey link.

We are constantly looking for additional ways for our panelist to earn points. Please watch your email for programme updates.

How often is my account updated with points I’ve earned?

The points you earn for taking surveys are added to your account and are usually updated within a few minutes after you complete the survey, with the exception of just a few surveys.

Redeeming points

What can I redeem points for?

You can redeem the points you earn for Amazon gift certificates, High Street vouchers and charity donations. You must have at least 750 points in your account to redeem.

Take a look at the options in our Gift Area by signing in, and clicking on Gift Area under the Rewards main menu item.

How do I redeem points?

You can redeem your points at any time by signing in to our website and clicking the Rewards menu item. Then click the Gift Area menu item and follow the instructions provided.

When you order, be sure to check the address information we have on file to ensure we’re sending your redemption item to the right place!

How long will it take for my award to be delivered?

Please allow 5 to 8 weeks for delivery of all rewards. All redemptions for e-vouchers are delivered via email. All redemptions for gift cards or paper vouchers are delivered via regular mail.

Can I change my order or exchange it for another option after I’ve placed my order?

Can I return an item?

Shortly after having placed an order, you can still cancel it. To cancel an order, go to My Points Account, click on the "Orders" view, and if a cancel button appear in the order status column, you may cancel your order.

If you do not see the "cancel" button, then your order has already been registered at our supplier, and we cannot cancel it anymore.

How long is a paper voucher/ gift card valid for?

You’ll find the expiry date for your Amazon.co.uk gift certificate in the email containing the Amazon code. Usually, Amazon gift certificates are valid for up to 12 months.

Paper vouchers are also usually valid for 12 months, but to be sure, please check the expiry date printed on them.

Do my points ever expire?

Your points do not expire as long as you remain an active member of Ipsos Access Panels. If you unsubscribe from the panel or if your membership is terminated, then your points account will be closed. Any points remaining in your account longer than 30 days from termination will be forfeited.

An inactive panel member is someone who has not responded to any survey invitations for a while, in which case Ipsos Access Panels reserves the right to deactivate their membership. If your membership is deactivated, any points remaining in your account will be forfeited 30 days after your account is closed.

Contests and winners

What contests are available to Ipsos Access Panels members?

We always have several contests available for our members including a quarterly draw for one of four prepaid shopping cards worth £850 trip and our annual car giveaway.

VIP

What is the VIP program? How do I become a VIP?

Our VIP program is our way of giving something extra to our most loyal members. VIP members qualify for special prize draws, like prepaid shopping cards and our annual car giveaway. You must be an Ipsos Access Panels member to qualify for the VIP program, but it’s easy to become a VIP member: complete at least 5 surveys over a 3 month period, and you’re a VIP for that quarter and get to participate in the quarterly draw for one of four prepaid shopping cards worth £850 each.

What are the benefits?

Only our VIP members are entered into these special draws:

* Annual Car Give Away - If you maintain your VIP status for two or more quarters, you are eligible to win our annual VIP car giveaway!

* Quarterly VIP Giveaway – All panelists who qualify as VIP for a given quarter are entered to win one of four prepaid shopping cards – worth £850 each.

How will I know if I am a VIP?

We will notify you if you are a VIP a couple of weeks after the end of each quarter.

If you don’t make it for one quarter, it’s easy to earn VIP status for the next quarter—just be sure to take most of the surveys you receive.

Refer Friends

What is the Refer Friends program?

The Refer Friends program enables you to invite your friends to join the Ipsos Access Panels and get credit if they do.

To refer a friend, click on the Refer Friends menu item after signing in and follow the instructions. It takes only a minute to refer a friend.

To be eligible, the friends you refer must live in the same country as you, have a valid email address, be 18 or older, and must not already be a member.

What are the benefits?

For each eligible friend you refer who signs up to be a member of our panel, you will receive 100 points. Periodically, we conduct special referral campaigns with even more rewards. Watch your email for announcements.

Privacy

How is my personal privacy protected?

Protecting your privacy is very important to us. We will never try to sell you anything and will use the information you provide only for research purposes.

How is my personal information used?

Information such as age and gender are factors we use to select participants for our surveys. Without them, we are not able to ensure our results accurately reflect the demographic make-up of the country you live in.

We will never give your personal information to anyone outside of our company (including our clients). The information you provide is only used for research purposes, and to determine who is best suited for a survey.

What are cookies and why does my computer have to accept them in order to complete a survey or sign in?

A cookie is a small bit of information that is stored in a user's browser, often just a code that contains the server name and a generated string of unique text and numbers. Cookies are used to store information about what pages you have requested within that specific site (and only within that site). Any sites that need to "recognize" you without a password (such as a customized news reader, MyYahoo!, or other personalized sites) do so by storing the key to your profile as a cookie. Unless the visitor has specifically offered personal information already on the site (e.g., through a registration form), there is no way for a site to know more about that individual than the unique cookie code within that particular site. Cookies can be beneficial in research to determine where a respondent has "left off" in a survey if they wish to pick up again later and to help us provide your personalized information when you are signed in.

Click me to join now or click the banner above

About playandwin.co.uk and its prizes:

On playandwin.co.uk, you can play fun and entertaining games for free. By playing, you can win tokens, which you can use to participate in the Jackpot prize draws. You can read more about the prizes on the front page under the menu item "Prizes." You do not have to have the largest amount of tokens to win, but the more you have, the better the chance!

To participate in the prize draws, it is important that you remember to buy tickets for the draw. You can do this in the Ticket Shop, located in the top menu on the front page.

There are many ways to collect tokens, and you can get a quick overview by reading the Token Guide!

All persons may participate in Playandwin.co.uk's competitions, but you have to have a paypal account in order to receive prizes. An email will be sent to all winners, and that email has to be answered within 1 month. Otherwise, the entitlement to the prize will no longer apply. The payment of prizes is made once every month. If you have not received your prize within 40 days, please contact Playandwin.co.uk. By accepting a prize on our site, you further agree that we have the right to disclose your username and game statistics for marketing purposes in any given newsletter, news page, e-mail etc. without you receiving any payment for it. Playandwin.co.uk further reserves the right to take a picture of a winner with a prize and publish it on www.playandwin.co.uk and in other media after Playandwin.co.uk's estimation.

Payday loans are quick and easy – thousands of people use them to manage their day–to–day finances more effectively – here's how.

• You find yourself a bit short of cash – an unexpected bill crops up – or there's something you want to buy. Just fill in our secure online application form – and press the button.
• Our system searches many loan providers, and within minutes one generally offers you the loan you want. Once you confirm acceptance of the terms, your loan is deposited directly into your account – often on the same day you apply.
• On your next payday the repayment (loan amount plus lender's charges) is taken from your direct debit card

Typical loan examples

Pete and Claire from Brighton borrowed £200 over 15 days. The total amount repayable was £250. The APR was 22694%

Sally from Birmingham borrowed £200 over a 30–day period. Her total amount repayable was £250. The APR was 1355%.

As you can see from these examples, the amount repayable stays the same, even though the APR fluctuates, because repayment charges are fixed. Please check all costs associated with any loan offered to you before accepting it.

Your questions

Q: Who can get a loan?

A: Applying is about your ability to repay next payday rather than where you live or your credit history. We welcome homeowners, tenants, or people living with their parents. You can have a good or bad credit score.

Q: Can I still get a loan even if I have bad credit or no credit at all?

A: Yes, it may still be possible for you to get a loan. Lenders will consider your current financial position and see if you will have sufficient funds in your account on payday to make repayment and cover your other financial obligations.

Q: How much can I borrow?

A: You can apply to borrow anywhere from £80 to £750

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As you may already know, smoking is bad for your health and the health of the people around you. It’s estimated that around 114,000 people in the UK die from smoking related diseases every year. Nicotine, 1 of 4,000 toxic chemicals contained in a single cigarette, is highly addictive and a major reason why so many people find it tough to quit smoking.

Thousands of people try to quit smoking each year with patches, gum and other forms of treatment, but many still find it impossible to overcome their craving for nicotine. But there are a number of quit smoking treatments, such as Champix, which can make giving up for good so much easier, and help you to reach your smoke free goal in as little as 12 weeks.
What are the dangers of smoking?

Smoking is directly linked to long-term, painful conditions, as well as terminal illnesses. Making the decision to quit smoking reduces your chance of developing the following health problems:

    * Cancer of the lungs, liver, throat, mouth and bladder
    * Chronic obstructive pulmonary disease (COPD)
    * Heart disease and stroke
    * Impotence in men
    * Cervical cancer in women
    * Infertility
    * High blood pressure
    * Kidney failure

Smoking can also affect your taste and sense of smell. Passive smoking has proved to be detrimental to people’s health too, and may trigger breathing problems such as asthma.
Why should I quit smoking?

Quitting smoking enables you to improve your health and enjoy a longer, healthier life. It enhances your complexion by restoring grey, wrinkled and damaged skin to its natural colour. If you quit smoking your senses will improve, allowing you to enjoy the taste of food and drink, and so will your personal hygiene as smoking leads to bad breath, stained teeth and gum disease.

Aside from these health benefits, quitting saves you a considerable amount of money as a 20-a-day habit costs over £2,000 a year to maintain.
How can I quit smoking?

Giving up smoking for good requires a treatment plan alongside the support and encouragement from your friends and family. It’s possible to quit smoking on the spot, although it’s more plausible, and therefore more advisable to ease off cigarettes gradually to allow your body to fully adjust to the absence of nicotine. Speak to your doctor, agree to set a date when you wish to quit smoking, and track your progress with a journal or by simply ticking off days on a calendar.

Remember, this is a long-term process that may take weeks, months or even up to a year. Commitment and dedication is essential. Try subtle lifestyle changes such as spending less time around smokers and avoiding environments that invite smoking.
Which quit smoking treatment should I use?

The choice of treatment can be decided by you, or by your doctor, in person or via an online consultation. He or she will take into account certain factors such as your age, lifestyle and the amount of cigarettes you smoke. The most common methods of quit smoking treatment involve nicotine replacement therapy, or NRT, which comes as a pill, patch, gum, inhaler and a spray.

NRT can be obtained over the counter without a prescription, but the relapse rate is still high, with only 17% of people remaining permanently smoke free after their first attempt. Counselling or therapy is another alternative quit smoking that can be explored.
What is Champix?

Champix is known to be the most effective of all individual quit smoking methods and offers a higher success rate than Zyban, the only other prescription quit smoking drug treatment. In a recent study, the combination of Champix and behavioural support proved to be the most effective in reducing patients’ desire to smoke and their withdrawal effects over a 6 month period. Studies have shown a 50% to 70% success rate depending on how long you continue treatment.
How do I know if the treatment is working?

Over time, the effects of the quit smoking treatment should further discourage you from smoking while simultaneously reducing nicotine withdrawal symptoms. If you are a particularly heavy smoker you may require longer treatment, which can be administered as part of a 12 or 24 week course, usually with Champix tablets.

Bear in mind that a specific quit smoking treatment may not suit all users, so it makes sense to consult your doctor to discover what options you have open to you. Our online consultation service is a confidential, free service that can help you to take the first towards a smoke free life. Press the button below to begin your consultation today.

Impotence, or erectile dysfunction, is a very common male sexual problem. Approximately 2.3 million UK men suffer from it, and more than 1 in 10 men will experience it at some point in their life. Impotence isn’t age specific; any age group can be affected. Young men, in particular, can be prone to recurrent problems because of nerves, stress and the pressure to perform.

The good news is that impotence is usually a temporary problem. There are many effective impotence treatment options for this condition, including oral treatments such as Viagra, Cialis and Levitra, as well as non-prescription solutions, such as counselling or therapy.
Defining impotence

Impotence is the inability to achieve or maintain an erection to complete satisfactory sexual intercourse. This could mean that you are unable to get an erection when aroused, or it could mean that you lose your erection before or after you penetrate. If you experience this problem several times in a short period, then you should speak to a doctor or take an online consultation to discover the nature of your problem and to find an appropriate treatment.
What’s going wrong?

Getting an erection is a complicated process. When you’re aroused, more blood flows towards twin chambers in your penis known as the corpus cavernosa. A nucleotide in your penis called cGMP is released which instructs the walls of the corpus cavernosa to relax. This allows the increased blood flow to enter, engorging the penis to create an erection. While this is happening, an enzyme called PDE-5 naturally breaks down the cGMP.

Impotence occurs when any part of this process is disrupted. This is often caused by the imbalance between cGMP and PDE-5, either because you are not producing enough cGMP, or because too much PDE-5 is preventing it from working. The narrowing of blood vessels, caused by smoking, is another common cause.
What causes impotence?

The first step to finding treatment is to determine the causes of your condition. Impotence can be caused by both psychological and physical reasons. Short term causes tend be psychological, such as depression, stress or anxiety. Those experiencing recurrent problems are more likely to have a physical problem, which could be a medical condition, or the result of an unhealthy lifestyle.

The best way to discover if you have a long term impotence problem is to see whether you have an erection when you awake in the morning. If you are erect, your problem is not physical. Similarly, if you achieve an erection when masturbating, your symptoms are psychological.

Psychological causes include:

    * Guilt
    * Depression
    * Anxiety
    * Stress
    * Exhaustion
    * Conflict with your partner
    * Unresolved sexual orientation
    * Sexual boredom

The physical causes include:

    * Diabetes
    * Smoking
    * Alcoholism
    * Deterioration of the arteries
    * Being overweight
    * Medications
    * Cerebral or spinal cord injuries
    * Abdominal or prostate surgery

Finding treatment

The first thing to do is to discuss your condition with your partner and your doctor to determine the cause. If you feel too uncomfortable discussing the problem with your own doctor, we can help to set up a consultation with a specialist. You can also take a consultation online.

If it’s psychological, you might benefit from counselling or psychotherapy. If your doctor thinks your problem is physical, they can perform tests to determine the exact causes and help you to find treatment.
Prescription impotence treatments

Oral medication is the most popular impotence treatment. These medications are usually taken as needed, for long or short term treatment, and work by restricting the action of the PDE-5 enzyme, allowing more blood to flow to your penis.
Viagra

The first impotence medication has helped an estimated 20 million men to enjoy a healthy sex life. It should be taken 30 minutes before sex and lasts for up to 4 hours.
Cialis

Cialis lasts for 36 hours, allowing for greater sexual spontaneity, and takes 30 minutes to work. It can also be taken in a small daily dose for those who have persistent impotence problems.
Levitra

Levitra is more suitable for older men and those suffering from underlying conditions, such as diabetes, high cholesterol and high blood pressure. It works within 20 minutes and lasts for up to 5 hours.

You should beware of generic versions of any of these medications. These may not have been created in safe clinical conditions and their effectiveness may be untested.

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