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 […]
If you’re considering applying for a short term loan, perhaps as a result of a financial emergency, then you might be wondering what is the best way to go about it. If you’ve had difficulties managing money in the past, or have been turned down for credit then you may be concerned that your application […]
There are some important benefits to be gained from getting access to instant cash, as long as you find a recognised and approved lending source. That includes being able to rely on an immediate loan to help you with an emergency purchase, major repair or serious cash flow problem. However, there are also good reasons […]
There are many reasons why people struggle with bad credit. If you’ve defaulted on payments or had late repayments on loans, bills and store cards in the past, your credit score might have taken a bit of a battering. Alternatively, perhaps you simply haven’t had the chance to build up a strong credit history, due […]
Payday loans and other short term loans are becoming more and more popular, and there are an increasing number of lenders popping up. They make sense, most people only want to borrow a little bit of money over a short period of time to help them through a spot of financial hardship – they don’t […]
Applying for a loan seems like a scary process, especially if you’ve never applied before. Your mind may be swimming with questions: what type of loan do you go for? How much should you borrow? How long will it take to repay the loan? All of these are important and valid questions, but they’re easily […]
Dealing with the estate and finances of a deceased person can always be difficult, especially when the issue is compounded by the grief felt at the person’s death. This problem can become even worse, however, when there are still outstanding debts that need repaying. Knowing who has to deal with that debt, and how they […]
If you’ve been wondering whether no credit check loans exist, the answer to your question is yes – in theory. In practice, they should not be offered by lenders in the UK, and with good reason. It may even be against the law for a payday lender to offer you a loan without a credit […]
What Is an IVA? An IVA, or Individual Voluntary Agreement, is a financial arrangement intended to manage significant debts. Individual Voluntary Arrangements are usually made between a consumer and the organisations to whom money is owed. An IVA can be helpful in the case of an individual owing money to a number of different companies […]
Understanding your credit score might seem complicated. A quick search on Google will bring up plenty of pages detailing what credit scores mean, and suggestions on how to boost yours – but does it all actually make a difference? With conflicting pieces of advice out there, it can be hard to know how to put […]
The coronavirus pandemic across the world has caused many changes in how we run our lives. From how many people we meet outside to those who are struggling to find a new, or a first, job. Financial security of families is a really big concern. According to statistics, about 730,000 people in the UK lost […]
Having a baby is one of life’s greatest joys, there’s nothing else like bringing your own bundle of cuteness home from the hospital. However, there’s no getting away from the fact that it can also be an expensive time. It’s hard to know what you are going to need as a first-time parent and there […]
If you’re looking to get a payday loan, you have likely encountered both direct lenders and brokers as a part of your search – but how do they differ? Getting the right payday loan for you requires you to be as informed as possible about what your options are, so being familiar with the differences […]
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.