The Elderly are being forced into debt by council taxes, utility bills, and fuel costs.  They are increasingly turning to IVAs and cash advance loans, according to new figures from the Consumer Credit Counselling Service.
The Consumer Credit Counselling Service (CCCS) has found that a record number of the elderly have contacted them in recent months […]

Many consumers today use their credit cards for holiday shopping, with the intention of paying off the debt after the holiday season.  However, many people rarely end up paying off their debts after the holiday season, and end up stuck with the holiday bill which is often carried over into the next holiday season.  This […]

If you are applying for a mortgage, there are a number of additional costs that you will need to consider.  Aside from the monthly payments that you will be making, you will need to consider application fees, valuation fees and surveys, mortgage indemnity guarantee, exit fees and more.
Mortgage lenders who are offering the best mortgage […]

If you have attempted to create a budget for yourself in order for you to take control of your finances, or to save up for something, and found that you became quickly frustrated or unmotivated then you may not have created a suitable budget plan.  Often many people have the big idea of creating a […]

Many credit cards offer introductory rates that are interest free on purchases as well as a balance transfer.  Typically the interest free period is for a specific amount of time after which the standard rate applies.
Often you will find credit cards offering 0% on balance transfers from six to twelve months.  There are some credit […]

Analysts have been cautious when it comes to predicting what the Bank of England will do in 2007.
“You might see activity increase from the effect of city bonuses,’’ said Peter Dixon, an economist at Commerzbank AG in London, before the data. “I have a suspicion we’ll see a bit of a rebound in the housing […]

If you are applying for a loan, the first rule is to shop around to ensure that you receive the best deal.  If you go for the first offer that you receive, you may end up paying hundreds or even thousands extra on interest charges.  So be aware, search and ask around at several banks […]

If you are a student or a graduate you may then be able to borrow money at attractive rates.  Student overdrafts are one of the most common forms of borrowing from students.  There are many banks that offer students banking packages that allow undergraduates an interest free overdraft up to a certain limit.  This can […]

There are many credit card holders who are unaware that their credit card company is charging them a credit card repayment protection fee.  Often this protection fee is agreed to when you first apply for the card.  It sounds like a good thing to have; however you are completely unsure of what it is.  A […]

Consumers do not fully understand the impact of a missed loan payment. While some experts claim that missing a single credit card payment may not damage a credit rating, or even be recorded on your consumer credit information report, others claim that the risk is too great.
Sandra Quinn, of Apacs, states that missing a credit […]