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Can you get a bank account with bad credit in the UK
If you have a poor credit history or past debt problems, you can usually still get a fee free basic bank account. This guide explains how basic bank accounts work, who must be offered one, what they can and cannot do, and how to deal with refusals.
Read moreUniversal Credit deductions why your payment is lower than you expected
Universal Credit payments can be lower than the amount on your award letter because money is taken off to repay debts and arrears. This guide explains what deductions are, the new 15 percent cap, which debts can be taken, and what you can do if the deductions are leaving you short.
Read moreOld debts in the UK can they still chase you
If a collector suddenly contacts you about a very old debt, it might be “statute barred” – meaning they can no longer use the court to enforce it. This guide explains how the time limits work in England, Wales, Northern Ireland and Scotland, which debts are different, and how to respond safely.
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Bank transfer scams and when your bank must refund you
New UK rules mean most people who are tricked into sending money by bank transfer should now get a refund in many cases. This guide explains what counts as a bank transfer scam, when your bank has to refund you, when it can say no, and how to protect yourself.
Read moreWhat happens if you fall behind on your rent
Falling behind on rent is frightening, but your landlord cannot simply throw you out overnight. This guide explains the legal process in England and Wales, what a section 8 notice is, when you can be evicted, and what help exists with rent arrears.
Read moreDo you really need a TV licence and what happens if you do not have one
Many people are not sure when a TV licence is legally required, whether streaming services are covered, or what really happens if you do not pay. This guide uses official UK sources to answer the most common questions.
Read moreStudent loan repayments in the UK explained in plain English
Clear answers to common questions about UK student loan repayments, including thresholds, how pay as you earn works, overseas rules and when loans are written off.
Read moreHow your UK credit score really works
Credit scores in the UK confuse almost everyone. This guide explains who creates your score, why different apps show different numbers, whether checking your report hurts your score, and how to fix mistakes – with references to official UK sources.
Read moreUnderstanding your bank overdraft
Overdrafts look like a handy safety net, but they are one of the most expensive ways to borrow. This guide explains how overdrafts really work, what happens if you go over the limit, and how to get out of the overdraft trap.
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