Frequently Asked Questions

Short-term financial loans like these see an extremely obvious dependence on about 1

Short-term financial loans like these see an extremely obvious dependence on about 1

We found that 40per cent of brand new on line individuals take out their earliest financing with a loan provider via a contribute generator, nevertheless the manner in which these businesses obtain their funds aˆ“ by offering customer applications to the highest buyer aˆ“ is sometimes not provided obvious on their web sites and some customers are unaware these particular firms commonly really supplying the loan. We want consumers knowing who they are truly working with, and the foundation by which their own software are coordinated with lenders, to enable them to generate well informed alternatives.

Best limited proportion of clientele discover her loan provider via present assessment sites, which undergo a number of limits

8 million subscribers a-year. This amount of requirements is not attending subside therefore it is vital that you guarantee that this market increases results for clients. All of our focus is currently on getting functional tips which will make a genuine variation to individuals therefore we now would you like to hear from those present on what finest we are able to do this.

The CMA, which got more from Competition percentage (CC) at the start of April (discover records to Editors) keeps analysed data relating to 15 million payday loans applied for between 2012 and 2013, practiced a survey of 1,500 users also checked Credit resource agencies data for over 3,000 payday loan users.

The CMA estimates that in 2012 there have been around 1.8 million cash advance clients inside the UK, taking right out more or less 10.2 million financial loans, well worth A?2.8 billion. These figures displayed a 35 to 50per cent boost regarding preceding financial year aˆ“ according to manner in which how big the marketplace are determined aˆ“ though newer facts suggests that this speed of growth keeps decreased substantially in 2013.

There had been at least 90 payday lenders supplying financial loans to UK visitors as of however the three biggest lenders (CashEuroNet, buck and Wonga) take into account about 70% of overall revenue produced from payday financing in the UK.

Two-thirds of users spend their debts entirely on or prior to the at first consented go out. When they took away a loan, 80percent of consumers sign up for additional financing in the same year, either with the same loan provider or others in the market. Around 4 in 10 customers lent from no less than two various loan providers while in the seasons.

Over 1 / 2 of consumers usually do not check around just before taking out financing, and those who would usually find it difficult to perform effective contrasting

Most cash advance visitors use online aˆ“ 83per cent of payday credit people have taken around that loan online weighed against 29% of subscribers who possess removed a payday loan on standard. The average earnings of on line payday subscribers was near that the larger payday loans with bad credit in Maine UK people but is particularly lower in the way it is of high-street borrowers.

In the earlier 5 years, 38per cent of pay day loan customers have experienced a negative credit score, 35percent have made arrangements with lenders to settle arrears; 11per cent have skilled a state courtroom judgment and 10% was in fact checked out by a bailiff or loans collector. Overall, 52% of customers have skilled a number of of these loans problems in the last 5 years.

Consumers generally focus more about the rate as well as the availability of a loan in place of their price. Consequently, lenders don’t have a lot of incentive to contend on rate. This propensity is particularly designated with belated payment charges and expense aˆ“ almost 1 in 5 people look for make payment on mortgage back more challenging than anticipated aˆ“ and information on these costs is usually tougher to locate than the title costs.

For people users who do check around, it is sometimes complicated evaluate rates given the differences between goods traits while the restricted efficiency for the APR in assisting making evaluations between these short-term debts.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.