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22nd September 2009
Advisers say that the most important thing to do if you fall into mortgage arrears is to speak to your lender - and the earlier the better - if possible, even before you miss a monthly payment. Mortgage lenders have all agreed to deal with arrears "positi... Read >
Author: michael challiner15th September 2009
One missed credit card payment, or going overdrawn without permission, and suddenly a £30 charge can be incurred. Bank charges can seem unfair and too harsh given the frequently tiny amounts of unauthorized borrowing involved. Now it seems that the law c... Read >
Author: wbdoyle31st July 2009
Residents of the United Kingdom have another debt help option available to them if they fall into a low income demographic. Debt relief orders were designed with the purpose of making it easier and much cheaper for this group to find debt resolution. The... Read >
Author: Robert Palmer23rd July 2009
The seven day letter before action is not yet a thing of the past. However, the conduct of the Claimant before the issue of proceedings is now under scrutiny following the implication of new practice directions and pre-action conduct guidelines.
The ne... Read >
Author: Franklins Solicitors LLP17th July 2009
Surviving the recession is something on all our minds these days. And while there are many issues that come to mind, the one at the forefront seems to be debt management. Facing up to financial issues immediately will be key in getting through. There is a... Read >
Author: Robert Palmer18th June 2009
Many mortgage customers are being charged between 20 and 50 pounds each month if they fall into arrears. The lenders argue that these charges merely reflect extra costs they incur and the costs cease when customers agree a repayment plan.
But critics ... Read >
Author: michael challiner21st January 2009
It is no surprise to any of us that interest rates have risen and are still rising and lenders are able to be choosy so borrowing on a whim is no longer possible.
The credit crunch has made borrowing prohibitive as the bank loan rates have soared on pe... Read >
Author: michael challiner22nd November 2008
You're probably wondering what 'Renting a Room' has to do with being a money saving tip. My view is that when times are tight and uncertain as they are currently. We all need to consider the different opportunities available to us. Looking at how much we ... Read >
Author: SEO Positive20th November 2008
You're probably wondering what 'Renting a Room' has to do with being a money saving tip. My view is that when times are tight and uncertain as they are currently. We all need to consider the different opportunities available to us. Looking at how much we ... Read >
Author: SEO Positive20th November 2008
You're probably wondering what 'Renting a Room' has to do with being a money saving tip. My view is that when times are tight and uncertain as they are currently. We all need to consider the different opportunities available to us. Looking at how much we ... Read >
Author: SEO Positive06th October 2008
There are more contracts being entered into every day's life than many people have realized. A contract is a binding agreement between two or more parties for performing, or refraining from performing, some specified act(s) in swapping for lawful consider... Read >
Author: Rebecca Lim05th September 2008
When taking out any type of finance deal, you will almost definitely be offered payment protection insurance of some kind. This is an insurance policy which acts as a safeguard if you fail to miss your repayments through no fault of your own such as losin... Read >
Author: barryloughran@live.co.uk02nd September 2008
Everyday somebody will die due to medical negligence in a hospital in the United Kingdom, as well as suffer from treatment that could have been performed better.
In general the majority of medical negligence cases occur and they have very little effect ... Read >
Author: Robert Palmer11th July 2008
To avoid getting into too much debt, people are using cash and store cards more frequently. Retail establishments such as M&S and Debenhams have reported more cash and store card purchases. Credit card usage is definitely on the decline in stores, and it ... Read >
Author: Amy Whittingham01st July 2008
There are concerns that borrowers are taking out too much credit and are then finding it difficult to pay it back, meaning that they risk losing their home.
A survey produced by the national charity, Citizens Advice, has shown that around 770,000 peopl... Read >
Author: Gill09th May 2008
Doorstep lenders and loan sharks are moving into the space vacated by Britain's high street banks, whose tightening or exemptive credit terms are leaving millions of people without access to mainstream finance.
Debt campaigners have seen thousands of ... Read >
Author: Tom07th May 2008
Doorstep lenders and loan sharks are moving into the space vacated by Britain's high street banks, whose tightening or exemptive credit terms are leaving millions of people without access to mainstream finance.
Debt campaigners have seen thousands of ... Read >
Author: Jemma01st May 2008
A rapid increase in the number of days that the UK population has to work to pay off the interest on outstanding loans and credit card balances has prompted a warning from one independent financial search website.
Unbiased have calculated that it now... Read >
Author: mpressman24th April 2008
Despite the levels of debt in the UK consistently rising every year, consumer spending through credit cards, store cards and other forms of unsecured credit continues, with financial industry analysts citing the ease with which credit can be obtained as o... Read >
Author: Isla Campbell01st April 2008
Money madness has ended before it reaches the terminal phase of all mass hysterias. People financial euphoria turn to debt terror. You are one of those struggling in debt mosses, but trying to cope with and get out of the debt burden. Meanwhile some other... Read >
Author: Gracie21st January 2008
The charity Citizens Advice has issued a report that criticises sub-prime mortgage lenders in the UK and suggests that their activities could prompt a sub-prime crisis in the UK that matches that of the US.
The report, called ‘Set up to fail’, tell... Read >
Author: nickr720th January 2008
According to an industry expert, the number of people looking for help with their finances will increase in the first two months of 2008.
According to Heather Choudhary, a specialist debt adviser for the Bradford branch of Citizens Advice, the weeks fo... Read >
Author: ARouse24th July 2007
The fondness of holiday splurging, owning a new car, and spending on home improvement is well know fact among UK citizens. But the problem starts when this habit takes the shape of borrowing. Everyone enjoys spending money he doesn't own, however, one has... Read >
Author: Angelo Drew07th December 2006
In recent years, financial analysts and organisations have increasingly led calls for a curb on the amount of borrowing people in Britain undertake, whether through loans, credit cards or other means. The average Briton is said to be under greater financi... Read >
Author: martymac04th December 2006
I have been working in a factory most of my life and I know that I am getting on in years. So I decided to go back to college and learn a new trade that would allow me to make a living outside a factory. After all, I am not as young as I used to be and ... Read >
Author: Derek Rogers20th October 2006
A year after the Office of Fair Trading (OFT) began investigating the widespread mis-selling of payment protection insurance (PPI), the Financial Services Authority (FSA) has, for the first time, fined a mortgage broker for selling the policies to custome... Read >
Author: Jack Mack03rd October 2006
If you were doing the logical thing and sunning yourself on holiday at the start of August 2006 you may have missed some pretty scary news about personal debt in the UK.
As if from nowhere, a flurry of announcements arrived in the space of a few days. ... Read >
Author: Stuart Langridge02nd October 2006
Following a complaint made by Citizens Advice in 2005, claiming that aspects of the payment protection insurance (PPI) market were severely harming the interests of consumers, a report has been published by the Office of Fair Trading.
Payment protectio... Read >
Author: michael challiner01st September 2006
The fastest growing sector of home loans market is what we class as specialist mortgages. Specialist mortgages have developed to serve the mortgage needs of people who don't fit into the more conventional model buyer.
In the case of self-employed buy... Read >
Author: michael challiner01st September 2006
If you're taking out a loan, beware of being misled into taking out payment protection insurance. From a recent questionnaire, it appears that around 25% of consumers were under the impression that by taking out this expensive and often totally unnecessar... Read >
Author: michael challiner24th February 2006
One missed credit card payment, or going overdrawn without permission, and suddenly a £30 charge can be incurred. Bank charges can seem to be unfair and too harsh given the frequently tiny amounts of unauthorized borrowing involved. Now it seems that ... Read >
Author: sam lowe
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