UK consumers and businesses now have a clear set of rights that are protected by law. These rights are to ensure that they can buy with confidence, get trustworthy advice and obtain help with any disputed transactions. Who champions buyers’ rights? That would be the Ombudsman Service. This article explores ‘What is the Ombudsman Service?’ […]
Like your birth certificate, your driving licence and your criminal record, your credit score stays with you for life. It’s how finance companies decide whether or not they want to lend you money or set up a finance agreement, such as a hire purchase, and it contains a record of everything you owe, as well […]
When it comes to all things related to finance, it pays to research the ins, the outs and everything in between. This is especially true when it comes to loans; when managed correctly, they can be incredibly beneficial, but if utilised poorly, they can be extremely costly, and can seriously damage an individual’s financial standing. […]
If you are concerned about bad credit and spiralling debt, you have come to the right place. In this article we set out everything you need to know to understand bad credit debt consolidation, and whether this might be the right option for your circumstances. Bad Credit Debt Consolidation Explained As the name suggests, debt […]
Every payday loan lender has slightly different acceptance requirements. Completing some small changes can make a big difference in whether your application is approved or rejected. When you need a payday loan, chances are you need the cash quickly to deal with an emergency or a temporary lack of funds. Some of the things you […]
Being declined for a loan can be a frustrating experience. However, if you’ve recently been declined for a payday loan, you’re not alone. As the FCA (Financial Conduct Authority) continues to tighten restrictions on who can access short-term finance, many applicants who were once eligible for emergency same day loans now find themselves being turned […]
Debts can easily begin to mount up. Whether it’s an unexpected life event, a change in your personal circumstances, redundancy or a growing family, it can be easy to reach for credit to solve an immediate problem. Before you know it, you’re borrowing money to pay off old debts and the amount of money you […]
Phone scams are commonly used by criminals to con people out of money fraudulently. Phone scamming is still rife in the UK, with billions of pounds lost to fraudsters every year in the UK. Older people are particularly at risk of being scammed over the phone, but anyone could fall foul of these scams, particularly […]
The majority of the time, cash advice websites are full of bright ideas to help you find new and different ways of accessing credit. For most people, it’s simply a lack of information holding them back from their next loan, and they just don’t realise that there are a few simple things that they can […]
A County Court Judgment, or CCJ as they are commonly known as, is a type of court order in England, Wales and Northern Ireland. A CCJ can be registered against an individual which fails to repay a creditor. If a CCJ is not paid promptly it can impact your ability to obtain credit for up […]
Raising a family is expensive. Even if you’re already adept at managing your finances, ensuring the needs of your children are met usually means that most of your income is earmarked for essentials like food, clothing, utility bills, hobbies and educational tools – and that’s before you even consider occasional treats like days out or […]
One of the best ways to make sure that you don’t have significant financial issues is to use a zero-based budget. This strategy can help you stay within your means and at the same time plan for future financial security. So, what is zero-based budgeting and how can you ensure that it works for you? […]
Job hunting is a challenge and it can sometimes feel overwhelming, especially in a rapidly changing market. You’ll be familiar with time-worn advice about keeping your CV up to date and being pro-active in your search, but in today’s climate, it’s more important than ever to have a clear strategy of how you’re going to […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.