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Showing 9 of 143.
My landlord never protected my deposit what can I actually do
Many renters later discover their deposit was never protected or was protected late. This guide explains how deposit protection is supposed to work, how to check your deposit, what compensation you can claim, and how this affects eviction and rent arrears.
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.
Can you just hand your car back if you cannot afford the finance payments
If car finance payments are squeezing your budget, it can be tempting to just hand the keys back. This article explains the difference between voluntary termination and voluntary surrender, what the Consumer Credit Act half rule really means, and how to avoid wrecking your finances when you end a car finance deal early.
Does not paying council tax affect your credit score and what really happens if you ignore it
Many people assume that missing council tax payments will show on their credit report, but it usually does not. This article explains what really happens if you fall behind, why it is still a priority debt, and how to get help before bailiffs or court become involved.
Why paying only the credit card minimum keeps you in debt for years
Minimum payments are sold as a safety net, but they can quietly trap you in debt for years and cost you thousands in interest. This guide explains how minimums are worked out, what “persistent debt” really means, how the regulator expects lenders to step in, and how to break out of the minimum payment trap.