Rates from 39.9% APR to 1333% APR - Please see representative APR example below

- Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Get In Touch: 0161 711 0415
Terms And Conditions

Our Terms

The information below contains important points which You need to know about MediaBlanket Ltd and the service We provide. We request that You read the following Terms and Conditions prior to using this form, to ensure that You are satisfied with the service that We can offer You.

If, after reading our Terms and Conditions, You do not agree with the content then We request that You do not use Our service.

Definitions

"Terms" means these terms and conditions;
"Users" means the users of the Website collectively;
"User Information" means the details provided by You on any application via the Website;
“Iframe” means Our hosted form which is used by this site that it is embedded within;
"We/Us/Our" means MediaBlanket Ltd;
"Website" means the Website or any subsequent URL which may replace it which is used to access Our form;
"You/Your/Customer" means a user of the Website.
“Service” means the process in which MediaBlanket Limited matches Your application with a Lender or Finance Provider.
“MediaBlanket” means MediaBlanket Limited.
“Lender/Provider” means the third party company who may provide You with a loan or a Loan Brokerage service and or another financial service.

About us

This site is a trading style of MediaBlanket Ltd, Registered in the UK 07949139. Registered address: MediaBlanket Ltd, The Old Bank, 247 Chapel Street, Salford, M3 5EP. Registered with the Information Commissioner's Office Z3334636. Authorised & regulated by the Financial Conduct Authority under Firm Reference No 723605.

As we will be providing a service to You, We will therefore have no obligation to any other party, only you. Please also be aware that if a third party uses Our services on behalf of You, Our obligation will still be with You being Our Customer. Furthermore, the Terms and Conditions will also relate to You, Our Customer, and not with any other third parties.

Our service

This site is owned and operated by MediaBlanket Limited. We are not a Lender or Provider and therefore We will not provide finance directly to You; We provide an online credit broking service, We will introduce You to Lenders or Providers of financial services. By submitting an application through Our form or Comparison Site You will be giving Your consent for MediaBlanket to match Your application with one of the Lenders or Providers on Our panel. If You apply via Our online form, We will present Your application in real time to one or more of Our Lenders or Providers based on their lending criteria until such time as one of Our Lenders or Providers accepts Your application or all Lenders and Providers decline Your application OR if You apply via Our Comparison Site We will present to Lender products to You. If a Lender or Provider accepts Your application You will be forwarded to a page on the Lender or Provider’s Website that they have requested We direct You to or if the Lender or Provider does not work online We may present You with a screen that gives You information and contact details relating to the Lender or Provider that accepts You. It is important to understand that We will only forward You to a Lender or Provider that has looked at Your application and accepted it as one they believe there is a good chance they can provide a loan or relevant services to You, (if You have submitted an online form application), or We will only display to You a Lender or Provider that is relevant to your search, (if You have used our Comparison Site). It is also important to understand that We may be paid a fee by the Lender or Provider for introducing You to them and We may pay a portion of that fee to the Website owner that is using the iframe form as a service.

There is no obligation for You to take up the loan or service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. You will be signing a legally binding credit agreement when if you accept their terms. If You have any questions or are unsure You should contact the Lender or Provider before taking out any service or loan with them.

Any examples of amounts available to borrow, terms (repayment periods) or rates stated on the Lender or Provider Websites are purely given as a representative example relating to the product. These representative examples are stated to give You an understanding of the products available. Representative examples are not given as a figure of what You will actually be offered by the Lender/Finance Provider therefore cannot be given as a guarantee nor can they be used as any kind of warranty. As We do not provide the loan or financial service directly to You We are unable to control the representative rate examples contained on the Website. Please also be aware that the decision to offer any loan or financial service is made by the Lender or Finance Provider and We have no control over the decision making.

The Lender/Finance Provider will conduct an assessment on You before any decision or offer is made; this may include a full assessment of Your credit history both past and present.

Customer checks & referencing

Upon application, the Lender or Finance Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks (either soft or hard searches), and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring the Your identity is protected.

Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Lender or Finance Provider. Misleading information may also result in the instigation of criminal procedures against You.

If You have authorised any third parties to act on Your behalf, any information given by the third party will be contractually binding on You. Should You choose to make a joint application for a loan or finance via the Website, each party will be dealt with as a client acting with the consent of the other and if correspondence is entered into with one party of the joint application it shall be assumed that the communication is with both parties.

Information about You (including Your visits to the Website)

We will only process information about You in accordance with the Privacy Policy. When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct. Please familiarise yourself with the details within our Privacy Policy prior to submitting your application.

Communication

Unless stated otherwise, We may contact You via means of telephone, SMS, post or email to provide information and alerts relating to Your application and or services We think may be of interest to You.

Intellectual property rights

The copyright and material on this website & form is owned by MediaBlanket Limited and is protected by the copyright and trademark laws of the United Kingdom. You are permitted to copy any such information for Your own personal use but may not republish, store or reproduce any such information in any manner, including but not limited to electronic reproduction, without the prior written consent of MediaBlanket Limited.

Any unauthorised downloading, retransmission, or other copying or modification of any of the contents of this form may be in breach of statutory or common law rights which could be the subject of legal action. MediaBlanket Limited disclaims all liability which may result from any unauthorised reproduction or use of the information on this form.

Liability

We cannot guarantee that the Lender or Finance Provider will authorise any particular loan application. This may be as a result, directly or indirectly, of a systems problem, issues which are unforeseeable or outside of Our control or that of the Lender, or Finance Providers, or because information has been provided incorrectly. Accordingly, We shall not be liable for any loss You may suffer unless We have been negligent or not acted in accordance with these Terms and Conditions or unless otherwise required by UK law. In the event that You do not use this form with reasonable care and in accordance with these terms and conditions or We discover or are notified that You are using this form fraudulently, We, the Lender or Finance Provider reserve the right to charge You for any reasonable costs that We may incur in taking action to stop You using the form and recover any monies owed as a result of Your activities.

If you follow links from any of our sites to the sites of Lenders or Providers, we cannot be held responsible for the information they display, nor their practices, nor their privacy policies, and this applies to any products or services that you may enter into agreements with them for. You are responsible for Your dealings with them.

If you agree Loan upon which is secured against any of Your property, (for example, Your home, Your vehicle), You do so in full knowledge that Your property may be repossessed if You do not keep up repayments.

Compliance

The form may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the form and its use. You agree not to upload or transmit through the form: any computer viruses or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer; and any material which is defamatory, offensive or of an obscene character.

Jurisdiction

The website & form is controlled and operated in the United Kingdom. These Terms and any non-contractual obligations arising out of or in connection with these Terms will be governed by the laws of England and Wales and You irrevocably agree to submit to the exclusive jurisdiction of the English courts.

Complaints

We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email, in writing or you can telephone us. Email us at hello@mediablanket.co.uk, write to: The Compliance Manager, MediaBlanket Limited, The Old Bank, 247 Chapel Street, Salford, M3 5EP or telephone 0161 711 0415. We will issue a final response to You within 8 weeks of Us receiving your complaint. If You are unhappy with our response or have not received our final response after 8 weeks You may refer your complaint to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.

Business Energy Terms

We endeavour to make every effort to ensure Our service to You is excellent; however, if You wish to make a formal complaint, please send Your complaint via email, in writing or you can telephone us. Email us at hello@mediablanket.co.uk, write to: The Compliance Manager, MediaBlanket Limited, The Old Bank, 247 Chapel Street, Salford, M3 5EP or telephone 0161 711 0415. We will issue a final response to You within 8 weeks of Us receiving your complaint. If You are unhappy with our response or have not received our final response after 8 weeks You may refer your complaint to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.

At Love Energy Savings, they have come up with a deal that makes switching your energy with them an absolute no brainer.

If you represent an SME that has switched energy tariffs with us before, or if this is the first time you have come across their service, it doesn't matter as your business is eligible to take part in this promotion; which we think makes everyone a winner. Either you save tonnes of money for your organisation by lowering your commercial gas and electricity bills, or they give you up to £1,000 per fuel to spend as you wish. They endeavour to beat or match any initial renewal quote from your current business energy supplier.

Confidence - Switch and Save Challenge

  • This promotion is available to new and existing business customers of Love Energy Savings.Com Limited (a company incorporated in England and Wales with company number 06322305 and with its registered office address at Unit 2 Springfield Court, Summerfield Road, Bolton, England, BL3 2NT) (Love Energy Savings, our, we, us), except for business customers who enter into a renewal or new contract with their Existing Supplier (as defined below) following their acceptance of any quote generated via our comparison services and business customers who do not satisfy all other eligibility criteria for participating in this promotion in accordance with these terms and conditions.
  • To be eligible for this promotion, the entrant must:
    • be a business with less than 10 non-half hourly electricity or non-daily metered gas sites using less than 1,000,000kWh of electricity and less than 1,500,000kWh of gas per year;
    • not be an individual or consumer;
    • have an energy supply contract with its existing business energy supplier (Existing Supplier) which is in its initial renewal window and due to expire;
    • compare commercial electricity and/or gas rates using our comparison services;
    • have accepted a quote for energy supplies generated via our comparison services and entered into a new contract with the relevant third party energy supplier, other than its Existing Supplier, based on that quote for any 1, 2 or 3-year fixed electricity and/or gas supply deal (New Contract);
    • having already entered into the New Contract, subsequently receive an initial renewal letter offer from its Existing Supplier which offers a lower price on a like for like basis than the price for the relevant 1, 2 or 3-year fixed electricity and/or gas supply deal secured under the New Contract (Initial Renewal Offer Letter);
    • provide a copy of the Initial Renewal Offer Letter together with email address and postal address contact details for the entrant to us via email or post to:
      Email: confidence@loveenergysavings.com with the following subject header: Renewal Quote Challenge
      Post: FAO: Head of Marketing, Love Energy Savings.com Limited, 2 Springfield Court, Summerfield Road, Bolton, BL3 2NT
  • In addition to the other exclusions in clause 2 of these terms and conditions above, the entrant will not be eligible for participating in this promotion if:
    • the Initial Renewal Offer Letter received from its Existing Supplier includes cashback or other promotional offers or terms;
    • the Initial Renewal Offer Letter was received from a third party intermediary and not directly from its Existing Supplier;
    • the New Contract is made with its Existing Supplier.
  • Following our receipt of the Initial Renewal Offer Letter and email address and postal address contact details for the entrant, we will review and compare the offer in the Initial Renewal Offer Letter against the pricing secured under the New Contract. When doing so, we will use the annual consumption information previously provided to us by your business and compare this against the annual consumption stated on the Initial Renewal Offer Letter. If the competing offer is for a 2 or 3-year term, we will use the same annual consumption provided to us by your business for each year. We will not accept any renewal offer letters relating to subsequent renewals, rather than the initial renewal, of the contract with the entrant's Existing Supplier.
  • Our comparison of the pricing secured under the New Contract against the offer received under the Initial Renewal Offer Letter will be on a like for like basis and will take into account other factors impacting on the price in addition to the rates including but not limited to any additional costs or charges your business would also need to pay in the event it accepted the offer in the Initial Renewal Offer Letter over the relevant contract period such as distribution/transportation costs, VAT / tax, Climate Change Levy (CCL) or CCL equivalent charges, government environmental charges and other costs.
  • Following completion of our review and comparison of the pricing secured under the New Contract against the pricing offered in the Initial Renewal Offer Letter, we shall determine whether the Initial Renewal Offer Letter offers pricing that is cheaper than the pricing secured under the New Contract. Where the pricing offered under the Initial Renewal Offer Letter is cheaper than the pricing secured under the New Contract and all other conditions for participating in this promotion are satisfied, Love Energy Savings will pay your eligible business the lesser of:
    • the amount which represents the difference between the projected charges offered by the Existing Supplier in the Initial Renewal Offer Letter and the projected charges under the New Contract; or
    • Up to £1,000 Cashback, (with the lesser of a. and b. above being the Payment Amount and being deemed to include any and all applicable VAT and taxes) and with the Payment Amount being paid subject to, and in accordance with, clause 7 below.
  • Love Energy Savings will inform the entrant via the contact details provided in accordance with clause 2.g above of the Payment Amount owed to it in accordance with these terms and conditions within 28 days following Love Energy Savings's receipt of the Initial Renewal Offer Letter and contact details for the entrant. Love Energy Savings will also inform the entrant via the contact details provided in accordance with clause 2.g above where no Payment Amount is owed to it. In the event the entrant is entitled to a Payment Amount, the entrant shall be entitled to submit an invoice to Love Energy Savings for the value of the Payment Amount (the Payment Amount Invoice). The Payment Amount Invoice should be addressed to Love Energy Savings.Com Limited and sent by email or post to:
    • Email: confidence@loveenergysavings.com with the following subject header: Renewal Quote Query
    • Post: FAO: Marketing Team, Love Energy Savings.com Limited, 2 Springfield Court, Summerfield Road, Bolton, BL3 2NT,
      and any Payment Amount Invoice received by Love Energy Savings in accordance with these terms and conditions shall be paid by Love Energy Savings to a bank account designated in the name of the entrant's eligible business and located in the United Kingdom within 28 days following Love Energy Savings's receipt of the Payment Amount Invoice.
  • Love Energy Savings will not accept: 
    • responsibility for any goods or services supplied under any New Contract or otherwise offered or provided by any third party;
    • responsibility for promotional entries or any written evidence that is lost, mislaid, damaged or delayed in transit, regardless of cause, including, for example and without limitation, as a result of any postal failure, internet failure, equipment failure, technical malfunction, systems, satellite, network, server, computer hardware or software failure of any kind; or
    • proof of posting or email transmission as proof of receipt of entry into this promotion.
  • By submitting your entry into this promotion, you are agreeing to be bound by these terms and conditions
  • If there is any reason to believe that there has been a breach of these terms and conditions, Love Energy Savings may, at its sole discretion, reserve the right to exclude the entrant from participating in this promotion.
  • Love Energy Savings reserves the right to hold void, suspend, cancel, end or amend this promotion where it becomes necessary to do so.
  • Without prejudice to clause 11 of these terms and conditions above, Love Energy Savings has the right end this promotion by placing a notice on its website at https://www.loveenergysavings.com/terms-and-conditions/ and/or notifying any entrants at the email address or postal address provided pursuant to clause 2.g. For each entrant that has entered into a New Contract but not yet completed all further steps required for this promotion in accordance with clauses 2, 4, 5, 6, and 7 of these terms and conditions (New Contract Entrant), each such New Contract Entrant only shall following any notice provided by Love Energy Savings in accordance with this clause 12, and unless this promotion is voided, cancelled or ended in accordance with clause 11 above, be entitled to continue participating in this promotion in accordance with these terms and conditions until the date which occurs 6 months after the date on which such New Contract Entrant entered into their New Contract (Longstop Date) and upon the Longstop Date the right for the New Contract Entrant to participate in this promotion shall end.
  • These terms and conditions shall be governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales.
  • Any queries regarding this promotion should either be addressed by email to:
    • Email: confidence@loveenergysavings.com with the following subject header: Renewal Quote Query
    • Post: FAO: Marketing Team, Love Energy Savings.com Limited, 2 Springfield Court, Summerfield Road, Bolton, BL3 2NT

100% NO FEE

SIMPLE AND EASY

SECURE UK SITE

Representative Example: Amount of credit £1200.00 for 18 months at £90.46 per month. Total amount repayable is £1628.28. Interest: £428.28. Interest rate 49.9% p.a. (variable).

Representative 49.9% APR

Rates from 39.9% APR to 1333% APR

Loan terms between 3 and 60 months


ALL LOANS ARE SUBJECT TO CREDITWORTHINESS AND AFFORDABILITY CHECKS

 

MediaBlanket Ltd. Registered in the UK: 07949139; Registered address: MediaBlanket Ltd, The Old Bank, 247 Chapel Street, Salford, M3 5EP.  MediaBlanket Ltd is authorised and regulated by the Financial Conduct Authority under Firm Ref 723605. Registered with the Information Commissioner's Office Z3334636.

 

MediaBlanket Ltd is a credit broker, not a lender, and we never charge you for the use of our service or take money from your account. Loan costs will vary depending on the lender. We use a consumer application system to allow our customers to make applications to a number of loan providers and brokers using a single online application form.

 

*Subject to lender's requirements and approval based on creditworthiness and affordability checks. Most loans can be paid in to your bank account within one hour although this could take 2-3 days if your bank does not accept faster payments. Please note that not everyone will qualify for the full amount.*

 

We only want you to apply for a loan if you are sure you can repay it in full on your due date and still manage your other outgoings. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future. By accepting these terms you confirm you have provided accurate financial information and considered potential future income and outgoings in determining your ability to repay.

 

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A SHORT TERM LOAN OFFERS A ONLY A SHORT TERM FINANCIAL SOLUTION AND SHOULD NOT BE USED AS A LONG TERM SOLUTION.

IF YOU SECURE A FINANCE OPTION AGAINST YOUR HOME OR MOTOR VEHICLE, YOUR HOME OR MOTOR VEHICLE MAY BE REPOSSESSED IF YOU DO NOT MAINTAIN YOUR REPAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

 

All loans are subject to lender's requirements and approval such as creditworthiness and affordability checks. Most loans can be paid into your bank account within one hour, although this could take 2-3 days if your bank does not accept faster payments or depending on the day you apply. Please note that not everyone will qualify for the full amount  applied for and that all approved applications are done in principle.

 

We work with a selected group of lenders and licensed credit brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

 

You can request details of these commissions or fees by emailing us at hello@mediablanket.co.uk. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available compared to the open market.

 

*** Please could customers contact us via email in the first instance whilst we make changes in response to covid-19. There will be more email cover than telephone cover and you may receive a response more efficiently via email. Thank you for your patience and understanding. ***

 

*** MediaBlanket Ltd and its trading styles will never ask you to purchase vouchers of any description in relation to any application and we cannot be held responsible should you do so at the request of any other party. ***

 

*** Please note that the website www.theloanstree.co.uk is not related to MediaBlanket Ltd in any way and we would encourage you to check this site thoroughly and read online reviews of the service it provides before using it. ***

 

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. This site is available to UK Residents only aged 18 years and over.

 

Authorised and regulated by the Financial Conduct Authority


Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.