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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.
Does buy now pay later hurt your credit score and what happens if you miss payments
Buy now pay later has exploded at online checkouts and is now used by millions of people to spread the cost of clothes, tech and even groceries. This guide explains how it really works, whether it can affect your credit report, what happens if you miss payments, and what is changing as new rules come in.
Car insurance still feels unaffordable and what you can do about it
Average car insurance prices have started to fall slightly, but millions of people still feel priced out or trapped in expensive policies. This guide explains why premiums jumped so much, why they still feel high, and practical steps you can take to stop overpaying and stay legally covered.
Why your energy bill is still high even though the price cap has changed
Many people expected their gas and electricity bills to drop sharply once wholesale prices fell and the price cap moved. This guide explains how the cap really works, why standing charges matter so much, how energy debt and new rules affect your bill, and what you can do if costs are still too high.
Will your partner's debt become your problem when you move in together
Many people worry that moving in with a partner means taking on all of their debt too. This guide explains when you are and are not liable, how joint accounts and credit links work, and how to protect yourself if your partner has money problems.
Are your savings safe if your bank fails
Headlines about bank trouble can be scary, but everyday savers are protected by a formal deposit guarantee scheme. This guide explains how much is covered, how joint accounts work, what happens with app based and e money providers, and what to do if you have more than the standard limit.