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25th September 2009
When thinking of going into any business the prices you charge have to be affordable while not under estimating your worth and losing out on profits. Therefore the most important aspect you have to consider is to make your business an affordable cleaning ... Read >
Author: wbdoyle23rd September 2009
Divorce is always painful, especially if it comes after bitter courtroom battles. But you can avoid a lot of pain by hiring the right divorce solicitor. This may not be easy. There are many legal offices and many solicitors. Finding the right one, therefo... Read >
Author: wbdoyle16th September 2009
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate advi... Read >
Author: mehraj29th August 2009
Research published by Post Office® recently highlights the health effects the recession has had on those living in the UK. The report shows that certain groups of people - with a particular focus on parents - are suffering from increased anxiety and str... Read >
Author: MarkeD16th July 2009
In today's financial climate no sector is immune from the possibility of falling into unplanned debt. Recent investigation has shown that the latest sector of society to be affected is the pensioner sector.
The amount of debt held by pensioners is incr... Read >
Author: Robert Palmer04th July 2009
A new report idicates that the levels of personal debt among people seeking help from the Citizens Advice bureau has doubled in the last five years.
The Drowning in Debt report, which looked at cases brought to Citizens Advice bureau workers in its Sco... Read >
Author: seamus12th June 2009
How do you choose the right accident claim solicitors
The stress and strain of an accident can leave you emotionally (and financially) drained. If an accident wasn't your fault, there are plenty of personal injury solicitors to choose from if you want to... Read >
Author: Nick Jervis11th June 2009
I have come across many examples of small business owners or directors who use personal borrowing to supplement their business cash flow. This practise may not strictly be the right way to finance a business but certainly it has for a number of years, be... Read >
Author: Derek Cooper05th June 2009
As the UK’s recession develops, debt advisers are being swamped by people desperately struggling to manage their mortgage repayments, credit cards and loan repayments. There has been a 40 per cent increase in people with arrears on mortgages and secured... Read >
Author: michael challiner01st June 2009
Have you recently lost your job?
Do you have debts that you are unable to repay?
Do you owe in total less then £15,000, including bank overdrafts, loans, credit cards etc?
Do you have less than £300 in total assets?
After taking off all your... Read >
Author: Robert Palmer01st June 2009
As a result of the recession, people are going broke in record numbers as the economic crisis deepens. It’s been reported that more than 200 people a day went bankrupt in the last three months of 2008 and there is no sign of this improving.
Furthermo... Read >
Author: alangill12329th May 2009
Debt is a fact of life. Things that are too expensive to buy when you want them can be paid for by someone else. You then pay them back as and when you agreed to do so. Mortgage debt is an example of a debt that is common to many. Since houses are exp... Read >
Author: Robert Palmer29th May 2009
A new form of debt management scheme has recently been introduced. This is the introduction of Debt Relief Orders (DROs) which became official in early April 2009. Until then the two options available for those in debt were IVAs and bankruptcy.
The n... Read >
Author: Robert Palmer14th May 2009
The Financial Services Authority (FSA) has reported that the number of people who were at least three months behind with their mortgage repayments is 16 per cent up on last year. At the same time the number of repossessions rose by 71 per cent. So if you ... Read >
Author: michael challiner11th May 2009
If you are looking to apply for a personal loan, I would urge everybody to think extremley hard about paying any upfront fees.
According to the Citizens Advice Bureau more and more people are being scammed out of money by dishonest loan companies that ... Read >
Author: smudger23rd April 2009
If you have money worries then the worst thing that you can do is ignore them. You need to take action as this will stop the situation getting any worse and will give you back a sense of control.
Your Money Worries - What Are They?
Are you worried a... Read >
Author: Neil Robertson23rd April 2009
Debt fees can really make the agony of debt far worse. As soon as you start missing payments then you will find a debt fee (or a few) added to your account. If you get to the stage of having your account chased by a collection agency then you will definit... Read >
Author: Neil Robertson23rd April 2009
When you have a serious debt problem you have a choice in how you resolve it. You can either try and tackle the problem completely on your own (not recommended) or get free help from a charity or sign up for a charge debt solution with a reputable debt ma... Read >
Author: Neil Robertson17th April 2009
Rapid Home Solutions can help you avoid repossession by buying your house fast for cash. Before you take up this option you should explore other options to get back on track with your mortgage payments and stop repossession. You can look at cutting ba... Read >
Author: devk17th April 2009
Capturing Legal Advice
Needing legal representation is a part of life that is unavoidable. There are many reasons, both bad and good, that require a person to refer to the law, and therefore an expert in the subject. Therefore, it is important to know ... Read >
Author: Nigel Thomas04th April 2009
Being in debt, that is being in serious debt, is one of the most distressing and painful experiences there is. It can drive people to despair and even suicide. It has been likened to being trapped inside a railway level crossing with an express train bear... Read >
Author: Robert Palmer06th March 2009
Repossessions doubled in 2008 and expectations are that things will be worse in 2009! The council of mortgage Lenders has predicted that repossessions for the coming year could reach 75,000.
Figures suggest that the South West, Midlands and London have... Read >
Author: SearchPath18th February 2009
If you have taken out insurance for your home or your loan then you are at serious risk of being charged far too much, just for protecting yourself. The Competition Commission has been carrying out reports again, and have found there to be little or no co... Read >
Author: rudi oneil18th February 2009
If you are a person that has taken out payment protection, whether it be for a loan or a mortgage or any kind of borrowing, then this cover could well be costing you far too much. There is an organisation known as the Competition Commission, and they reck... Read >
Author: Nigel Thomas02nd February 2009
If you have a problem with debts you need good legal advice. However the last thing that you need is advice that you have to pay for. It is true that advice on debt relief is a specialist area requiring skills/qualifications, so how are you going to get h... Read >
Author: Neil Robertson01st February 2009
There is no doubt that there is a need for debt help and free advice to deal with the UK's debt epidemic. Even before the credit crisis the country was dangerously overstretched. Now that the panacea of cheap re-mortgages has been removed the true size of... Read >
Author: Neil Robertson31st January 2009
If you're in the middle of (or heading towards ) a debt crisis you need to get help to clear your debt now! If you ignore the problem then in 6 months time you will be no nearer to resolving the situation, and it will probably be a lot worse.
There is ... Read >
Author: Neil Robertson30th January 2009
The credit card industry has had some bad press recently. Some companies have resorted to secretly increasing customers APR and minimum payments to make themselves more financially able, much to the disappointment of their customers. Credit card owners ... Read >
Author: Rachael051809th January 2009
Imagine paying double what your loan was worth, in order to have payment protection insurance, and then not be able to claim for it. Well this is the case for some people, and this is why a large-scale investigation into this sector, was implemented by th... Read >
Author: Nigel Thomas09th January 2009
2005 saw the Financial Services Authority initiate an enquiry involving the sector of payment protection. This was after a complaint was received by the Office of Fair Trading. The Citizens Advice Bureau was not happy. The policies that customers were bei... Read >
Author: Nigel Thomas09th January 2009
During 2005, the payment protection sector came under investigation from the Financial Services Authority, after it was found that there were serious failings in regard to the service and the products that people were being sold. This was all initiated by... Read >
Author: Nigel Thomas17th December 2008
Landlords who take a rental deposit should already know that since the introduction of the Tenancy Deposit Scheme in April 2007 that they are required by law to use one of the Government’s approved schemes.
One of the less well known aspects of the T... Read >
Author: Propertyhawk03rd December 2008
The Royal Bank of Scotland (RBS) has announced it will give customers at least six months grace if they are to fall behind on their mortgage repayments before repossessing their property.
This will come as a big relief to many customers who have growin... Read >
Author: cborthwick908th September 2008
With the sharp increase in the number of repossession’s throughout England and Wales over the past year, it is vital that tenants are fully aware of their rights and what help is at hand for them.
First and foremost it’s important to point out that... Read >
Author: Liam Gerken08th September 2008
Imagine paying double what your loan was worth, in order to have payment protection insurance, and then not be able to claim for it. Well this is the case for some people, and this is why a large-scale investigation into this sector, was implemented by th... Read >
Author: Nigel Thomas08th September 2008
In 2005, the Office of Fair Trading received a massive complaint from the Citizens Advice Bureau. It was in relation to the sale of payment protection insurance, and it caused an investigation to be started by the Financial Services Authority. It was deem... Read >
Author: Nigel Thomas21st August 2008
If you've ever been involved in a road accident, then you will know that the suffering doesn't end once you've left hospital, been patched up and reached the safety of home.
Because it's then that you have to start dealing with the aftermath. The pa... Read >
Author: Christian Ward20th August 2008
Britain is often described as having a ‘compensation culture’, but reports show that this is not the case.
While the emergence in Britain of a so-called ‘compensation culture’ is routinely decried in the media, the facts do not always appear to... Read >
Author: Corinne Mansfield16th August 2008
Recent proposals by the CC (Competition Commission) may force a ban on lenders pushing the controversial PPI (Payment Protection Insurance) on customers.
Such insurance is often bundled with financial products like loans and credit cards to protect co... Read >
Author: Liam Gerken14th August 2008
The worsening lending sutuation created by the credit crunch has lead many banks and financial situations to tighten their lending criteria, leaving many people vulnerable to doorstep lenders and loan sharks. These lenders, however, may charge significant... Read >
Author: Christian Ward24th July 2008
Accidents happen all the time; occurring through personal fault, or as a result of others’ actions, they are a common factor of everyday life. Just look at the statistics: every year, according to the Citizens Advice Bureau, around 2.5 million people ... Read >
Author: mpressman24th July 2008
Arguably the most common form of injury following a car accident is whiplash. Even a relatively low speed car collision can cause it and, whilst the symptoms can take several hours to appear, the consequences can be devastating.
Whiplash occurs when a... Read >
Author: Adam Singleton15th July 2008
According to a recent study, roughly 15m Britons are living a “deluded” financial lifestyle – trying to maintain a middle-class standard of living on a working class wage.
Many are living in a middle-class fantasy world of second homes, private ... Read >
Author: Liam Gerken09th May 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate ad... Read >
Author: Jemma08th May 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate ad... Read >
Author: Jemma29th April 2008
The Citizens Advice Bureau (CAB) has issued a report which has shown that hundreds of thousands of Britons are falling further into debt, ending up in court and facing the repossession of their homes due to irresponsible lending practices, inaccurate advi... Read >
Author: OnlyFinance28th April 2008
Debt is like quicksand. Someone can be happily walking along and the next thing they know they’re up to their elbows in gunk. The more they struggle, the more they get sucked in. In this situation Bear Grylls keeps a cool head, thinks out a plan of me... Read >
Author: mlauterwein25th April 2008
Being in debt can cause a huge amount of pressure for all involved. In addition to this, it leaves people vulnerable as they are so desperate to resolve their problem they will accept any route out of debt. This can make the situation worse. It is a sa... Read >
Author: Karl Guevara18th April 2008
Rapidly escalating prices have contributed to a jump in the number of people seeking help from Citizen’s Advice, with a significant amount seeking specific advice on dealing with mortgage arrears.
The number of homeowners seeking help is now estima... Read >
Author: Andrew Regan25th March 2008
Introduction
Unsecured Loan is a loan which does not require you to offer collateral. So people staying on rented houses can go with unsecured loans. Unsecured Loans can be used for a variety of purposes, such as home improvement, debt consolidation, t... Read >
Author: Karen Wardman14th March 2008
Because of very high interest rate and penalties, credit card debts become a huge financial burden for the holders. Therefore, one should start managing them at early stages. However, you should take a careful approach for coming out of the financial mess... Read >
Author: Gracie05th February 2008
The festive season is over, and you’ve gotten Christmas out of the way, spending on gifts and food for the occasion in order to keep everyone happy.
However, once those bills start coming through the letterbox you’ll begin to feel the pressure as y... Read >
Author: DCollins22nd January 2008
Britons are taking on record levels of mortgage and credit card debt, with figures released last year showing that UK personal debts far out weigh that of our European neighbours.
For those in need of help with financial problems then the Citizens Adv... Read >
Author: Nick Cox19th January 2008
If your debts are starting to build up to uncomfortable levels then now is the time to act! Procrastinate at your peril, because a debt problem that is ignored will just grow and grow, until you are left with a mountain to climb.
An increasing amount o... Read >
Author: Nick Cox18th January 2008
An independent report has warned that growing numbers of UK families are being stretched to financial capacity. Borrowing has increased to record levels, with personal debt in the UK doubling since the turn of the century.
At the end of 2007 the UK per... Read >
Author: Nick Cox14th November 2007
Debt Help in the UK is now in great demand. There are actually a number of debt help solutions available to you from numerous sources. From specialist debt help companies to companies trying to convince you to take on a debt consolidation loan. The botto... Read >
Author: Paul Hockney06th November 2007
Many borrowers are now taking advantage of the bankruptcy remortgage process because it helps them turn their bad credit ratings into ratings that are positive. The Internet is also contributing to the surge in the bankruptcy remortgage business as it is ... Read >
Author: Paul Hockney03rd October 2007
To pay back the existing debts in one monthly payment or settlement by taking a loan in often referred as debt consolidation.This type of loan serves various purposes like it is frequently used to merge unsecured debt, which in turn makes it easier to dea... Read >
Author: James Arther06th August 2007
If are have interest in a Manchester-based company that could possibly enter into a liquidation situation, then you are going to need to understand at least a couple of things. Types of liquidations and alternatives to liquidation should be clear in yo... Read >
Author: ingridthomason06th August 2007
Company liquidation in London, UK comes in three varieties: members’ voluntary, creditors’ voluntary and compulsory liquidation. If you think that you may be heading into a liquidation situation, it is necessary to understand the “ropes”. Let’s ... Read >
Author: Cynthia Kramer30th May 2007
The way in which personal debt is escalating in the UK is a cause for concern. In 2006 the Citizens Advice Bureau reported that the average total household debt was £13,153, an increase of as much as 30% in the last three years*, and early figures for 20... Read >
Author: Cheryl Corker05th March 2007
More and more people are unfortunately finding themselves sinking deeper into the debt mire. Many people look for outside help to tackle their debt problem, perhaps through the Citizens Advice Bureau, or a firm specialising in negotiating with creditors ... Read >
Author: martymac08th February 2007
One of the most unpleasant consequences of failing to pay your mortgage is "repossession" of your property. This is a problem that is affecting an increasing number of homeowners throughout the country.
The first notification will be from the lender w... Read >
Author: Christopher19th January 2007
Mortgages, loans and credit card debt have brought UK consumer debt to over £1 trillion. Yet each day, more and more people are finding themselves in financial difficulty which they cannot get out of - and this ever-worsening situation has led to a sha... Read >
Author: martymac16th November 2006
Motor oil is designed to serve many different purposes within a cars engine. While the primary function is to simply lubricate all the moving parts and provide protection from wear and corrosion, it also is intended to keep the engine cool and free from s... Read >
Author: Jack Mack04th October 2006
You have reached the age of retirement or you took early retirement for any reason, personal or professional. So, the first outcome is that now you don't have a regular monthly income. However, due to retirement, you should not suffer due to discontinuati... Read >
Author: steve C clark20th September 2006
There are a number of debt management non profit groups that can and will be really helpful to you. I dont pretend to be a resource that knows everything about every organisation, so I apologise here and now for my ignorance about other groups. I have no ... Read >
Author: Stuart Langridge01st September 2006
Even for experienced drivers that have bought and sold several cars, the purchase of a second hand car can still fill us with a degree of trepidation. So just what is the best way to ensure that you don't get sold a lemon?
The purchase of a second ha... Read >
Author: Jack Mack30th June 2006
Complaints against online retailers are on the rise with a new report from the Europe-wide consumer group, European Consumer Centres identifying a 74% increase in complaints from online shoppers in 2005.
As internet shopping has enjoyed incredible growt... Read >
Author: Richard Green30th June 2006
The massive growth and development of the online retail sector in recent years has afforded a degree of choice and convenience to consumers that have never been possible before. But as more and more consumers look to the web to make their purchases a tr... Read >
Author: Richard Green12th March 2006
Divorce is always painful, especially if it comes after bitter courtroom battles. But you can avoid a lot of pain by hiring the right divorce solicitor. This may not be easy. There are many legal offices and many solicitors. Finding the right one, therefo... Read >
Author: Jonathan Brown05th February 2006
Copyright 2006 Michael Hanna
Another year ended, and another round of UK debt statistics. CreditAction has just announced the latest summing up of the personal debt situation in the UK.
Their figures show that the end of 2005 has seen the total lev... Read >
Author: Mr McMoo26th July 2005
As you ascend the dizzy heights of property investment, don't lose your head and ignore mortgage research and advice.
There was a time when every conversation was focussed on property and every other TV programme was about property makeovers. Everybod... Read >
Author: Rachel Lane
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