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Glossary

1. Adverse Credit:

Adverse credit record refers to a bad credit record which might be due to the non repayment or late repayment of the debt installments.

3. Bankruptcy:

when any individual fails to pay his debts, he is given a bankruptcy order by the court.

4. CCJs:

CCJ is referred to as a Country Court Judgment which is issued on the failure of repayment of an outstanding debt.

5. Secured Loan:

A secured loan is the one which is given to the borrower against a fixed asset. A secured loan is given against a security which gives the surety of repayment on the part of the borrower.

6. Debt Consolidation:

Debt consolidation refers to a single loan formed by merging all the previous loans of the customer. It simplifies the repayment process of the borrower.

7. Interest rate:
Interest rate is the percentage rate at which interest is charged on a loan. The rate of interest varies according to the choice of the lender and the type of loan taken.

8. Unsecured Loan:
An unsecured loan is the loan which is given to the borrower without any security.

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