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Articles in Saving & Budgeting
Showing 9 of 25.
Saving & Budgeting: The stress signals hiding in plain sight
Household saving ratios, insolvency data, and monthly “money stats” PDFs are not exciting — but they reveal what’s really happening to financial resilience.
Why So Many People Are Asking “Should I Move My Savings Right Now?” After New Inflation Data
As new inflation figures show a continued cooling trend, savers across the country are wondering whether to switch accounts, lock in a fixed rate, or stay flexible. This article breaks down the questions people are asking.
Can you just give your car back if you cannot afford the finance payments
Many drivers think they can simply hand the car back and walk away when they cannot afford the finance any more. This article explains your legal right to voluntary termination, how the 50 percent rule really works, the difference from voluntary surrender, the impact on your credit file and how the current car finance scandal and compensation scheme fit into all of this.
My debt has been sold to a collection agency do I still have to pay
Many people think a debt is wiped when it is sold, or assume letters from a collection agency are a scam. This guide explains what it really means when a lender sells a debt, whether you still have to pay, how statute barred debts work, and what to do if you think the collector is wrong or acting unfairly.
The truth about going to prison for debt
Many people still fear that missing payments on credit cards, loans or bills could land them in prison. This article explains which debts can never send you to jail, which rare debts might, how court enforcement really works, and what to do if you get a summons.
Can your bank take money from your savings to pay other debts
Many people are shocked to find money moved from their savings or current account to cover a loan, card or overdraft with the same bank. This guide explains the bank’s right of set-off, when they are allowed to use it, when it may be unfair, and what you can do to protect your essential money.
Is it bad to live in your overdraft and can it hurt your credit record
Many people now dip into their overdraft most months and see it as part of their income. This guide explains the difference between arranged and unarranged overdrafts, how much they really cost, whether they affect your credit file, and what to do if you are stuck in the red.
What happens if you act as a guarantor for a friend’s business loan and they disappear
It sounds like helping a friend, but standing as a guarantor on a business loan means taking full legal responsibility if they fail to repay. Here’s what really happens if your friend disappears, what lenders can do, and what steps you can take to protect yourself.
Will your bank refund you if you are scammed by a bank transfer
New rules mean many victims of bank transfer scams can now get most of their money back, but only if the payment and their own actions meet strict conditions. This guide explains when banks must refund you, when they can say no, and how to challenge an unfair decision.