The four most widespread credit report misunderstandings

The survey by the consumer group Which? found 53 per cent had never contacted a credit rating agency - such as Experian, Callcredit and Equifax - to check their report. And it found widespread confusion about credit checks and how lending decisions are made.

EMNNF2 Co-operative Food supermarket exterior in Seaton Devon UK. Image shot 2015. Exact date unknown.

The business, which has suffered several crises in recent years, will give members a 5 per cent reward if they buy Co-op branded products and services.

Beware the property funds that lock you in when prices fall or charge up to 5% to access

Savers fear their cash may be locked up as property funds close their doors. In a move reminiscent of the property crash of 2007 several major property funds have started to bar savers from escaping. Property funds at Henderson, Standard Life and M&G; have all invoked their right to charge investors to redeem their cash in a bid to stem outflows.

ftr-Infiniti Q30 Sport City Black inf.jpg

If Buzz Lightyear had an off-duty car, this could be it. But would it take him 'to infiniti and beyond!'? Infiniti is Nissan's posher cousin. And the Q30 did create a buzz when I took it for a spin.

Britain's overheated housing market could stall or even go into reverse if the UK votes to leave the EU, Chancellor George Osborne claimed last night.

Visitors to the Czech capital, a popular destination for stag parties, pay an average bar bill of £29, while those in 10th-ranked London are charged more than double that amount (£60.70).





MARKET REPORT: There is no value left in our shares, warns debt-laden Circle Oil after

The oil and gas firm, which has operations in Egypt, Morocco, Oman and Tunisia had previously launched a strategic review to consider its options - restructuring its debt, selling assets, mergers, and the possibility of raising more capital. The firm, which has around £53m of debt, said yesterday it is working to finish the review process as expediently as possible.

A journalist stands beside the Rolls Royce engine of an Airbus A350 on display at the Singapore Airshow on February 11, 2014. 

Airbus claimed bragging rights as the Asia-Pacific's dominant aircraft supplier on Tuesday, saying the region's fast growing economies and rising passenger demand will continue to drive demand over the next 20 years.  


Sources say European plane maker Airbus is in the running with America's Boeing for the Virgin order, but negotiations have come to a head and an announcement is expected on June 8.

French Finance Minister Michel Sapin leaves the Elysee Palace following the weekly cabinet meeting in Paris, France September 10, 2014. REUTERS/Philippe Wojazer/File Photo

Sapin's comments will come as a major embarrassment to LSE's boss Xavier Rolet, who sees the takeover as the crowning glory of his seven years at the helm.

Daily Mail City Editor Alex Brummer.

George Osborne may think there is nothing wrong with selling a 54.4 per cent majority in the LSE to Frankfurt's Deutsche Boerse, but his French counterpart Michel Sapin thinks otherwise.

Sir Philip Green and Rita Ora attend the launch of The 34 Kate Moss Coupe at 34 Grosvenor Square on October 8, 2014 in London, England.  
(Photo by David M. Benett/Getty Images)

Lord Grabiner, a senior executive connected to the retail chain, will tell the Business, Innovation and Skills committee that BHS's trading position deteriorated between 2009 and 2015.

Pictures from Watford town centre. Ladbrokes on the High Street.
For Money Mail
Picture by Damien McFadden: 07968 308252

Industry experts spotted a sudden surge in bets on the bookies ahead of the announcement - gambles that will have paid off after shares spiked yesterday to close up 6.5 per cent or 7.8p to 127.3p.

Can you match the house for sale with the car in its driveway?

They say first impressions count, particularly for those looking to sell their home. With this in mind, we picked some properties for sale to see can guess what cars they have parked on their drive. As TV's Kirstie Allsopp says, what often makes people choose one property other another is perhaps something people don't even acknowledge themselves - and that's aspiration.

Jacqueline Gold: How I made Ann Summers a multi-million pound brand

Jacqueline Gold started out as an intern at Ann Summers in the 1970s, when it was a small chain of sex shops owned by her father. Today she's in charge. It turns over £140m a year and she is one of the richest women in the UK. In this week's Start-Up Secrets, she reveals the sexism she encountered, and why Ann Summers will never go the way of BHS.

Take this quiz to see what career path could fit you best

Oxford Open Learning has developed a 'profession picker' quiz, which you can take to find which career could be the best fit for your skills. One in ten Britons are tempted to start a new career within the next 12 months, with money the largest motivator according to its research. Of these as many as 58 per cent would retrain to get a foot in the door.

How hastily should you dump a fund losing money?

A substantial majority of wealthy investors would bin a struggling investment in less than a year, a revealing new survey finds. But is this too ruthless? We asked an investing expert how he decides when time's up, and a specialist in behavioural investing about the psychological traps you can fall into when dealing with money losing funds.

Have we seen peak buy-to-let as landlord stamp duty rush sees purchases treble?

From the numbers it would seem abundantly clear to me that a big chunk of people who wanted to either get into buy-to-let, or snap up another one, pulled forward purchases. Not only are these buy-to-let investors now going to be missing from the rest of the year's property market, but investing has got less attractive for others too, so what next for the market?

The AA has bumped up its Balance Transfer credit card to give borrowers a market-beating two years to clear an existing credit card balance for free.

You may be used to remortgaging to take advantage of a cheaper deal but it's now possible to refinance your car loan quickly and easily online.

Shareholder perks you'd be mad to miss out on (and a few not worth it)

While you may use in-store loyalty cards, or scour the internet for good deals, there could be a whole host of unused perks and discounts sitting right under your nose. From free hotel stays, to money off designer labels and free gift cards - we round up the best shareholder offers and compare them.

Master trusts are crucial for the long-term sustainability of the Government's vision for auto enrolment, says Peter Walker of Smart Pension.

The Lifetime ISA is a great idea and should be given every opportunity to flourish, but crucially there is one piece of the jigsaw missing.Employers can't contribute to it.

I'm past the state retirement age - can I still get a mortgage?

I need to borrow some money to pay for some home improvements and I'd like to free up some cash to be able to help my kids, but I don't want equity release. What are the other options that I have and can I get a mortgage? Our experts answer a reader's questions.

If you don't want to do all the legwork fund selection involves you can access model portfolios and digital wealth managers that find suitable products, but how do you weigh up their costs?

A hacker claims to have 117million Linkedin log-in account details and has put them up for sale on the dark web, an illegal marketplace full of cyber criminals.

Plug-in SUV showdown: BMW X5 versus the Porsche Cayenne and Volvo XC90

With official fuel consumption figures of over 80mpg, these three big plug-in SUVs aim to deliver premium style with everyday efficiency. But which one of the trio is best? We pitch the Volvo XC90 (middle) against the Porsche Cayenne (left) and BMW X5 (right).

Research revealed that while half of respondents liked having the option to shop locally, 55 per cent would still prefer to buy their goods from a high street chain

How much will your house be worth in 2030? Map of UK house price forecasts

The average price of a home in England will be more than £450,000 in 2030, new research mapping out what house prices could look like across the UK claims. Estate agents eMoov admitted that this was simply a projection of 'what may happen' but said that it had done so not to celebrating such a potential rise but warn of the consequences.

The rise was driven largely in London and the South East. Annual house price increases were registered at 13 per cent in London, 12.2 per cent in the South East and 12.1 per cent in the East of England.

Across London, the most expensive part of the UK, average property prices could be roughly £7,500 cheaper if a Brexit goes ahead, the Centre for Economics and Business Research said.

Debt-laden Gulf Keystone Petroleum surges 20% this week on creditor deal hopes

The Kurdistan-based oil producer has some $575million of bonds outstanding, with most of the debt due for repayment next year. And, the company also needs to raise $71-88million of new capital, if it is to keep up investment in the flagship Shaikan field.

Lloyd Blankfein, Chairman and CEO of Goldman Sachs, speaks in a panel discussion at the Clinton Global Initiative in New York.  

Blankfein said that he has a form of lymphoma that is "highly curable." In a post on the firm's website Tuesday, Sept. 22, 2015,   he underwent a series of tests after not feeling well for several weeks.   

FILE - In this Sept. 24, 2014 file photo.
(AP Photo/Mark Lennihan)

More than a third of shareholders failed to back Goldman chief executive Lloyd Blankfein's £15.8m pay packet for 2015 after the bank's profits plunged 28 per cent to £6.2bn.

Far from bearing down on confidence, as the 'Remain' camp would like to say, consumers seem to be spending regardless. All of this will be a little disappointing to George Osborne.

LOUISVILLE, KY - SEPTEMBER 21:  Phil Mickelson of the USA team celebrates with his wife Amy after the USA 16 1/2 - 11 1/2 victory on the final day of the 2008 Ryder Cup at Valhalla Golf Club on September 21, 2008 in Louisville, Kentucky.  (Photo by David Cannon/Getty Images)

US watchdogs alleged the 2013 Open Championship winner was passed a tip about a company stock by William Walters, a friend and high- rolling Las Vegas gambler.

Pictures from Watford town centre. Ladbrokes on the High Street.
For Money Mail
Picture by Damien McFadden: 07968 308252

It is understood that both Coral and Ladbrokes are already in discussions with a number of interested parties about selling off stores in order to appease the CMA.


Mid Wynd International Investment invests in companies across the globe which the trust managers think can grow even when the economy doesn't.

'Interest-free loan enabled me to rent in expensive London': Starbucks staff take up first

The first handful of staff members have taken advantage of Starbucks 'home sweet loan' initiative in Britain, according to the global coffee giant. This includes 25 year-old Marta Swiac who works at its Covent Garden branch - she has borrowed £1,218 for a deposit on a two-bedroom flat in Hendon.

While McDonald's reigns supreme in the fast-food chain job hunter stakes, in the world of fashion, Primark is the most in-demand store, beating the likes of New Look, Next and River Island.

With 30% of shoppers admitting that, thanks to free returns, they order several items to find what they want, 60% of retailers said high volumes of returns are blighting their businesses.

Expedia said the flight I booked was full, so I cancelled it but now it won't refund me

On January 19, I made flight and hotel reservations for four people to travel from Bristol to Jersey in June using travel website Expedia. The next day, Expedia told me it was unable to confirm seats on the plane as the flight was fully booked. So I cancelled the package and booked a different trip.

Andy Haldane, one of the country's top financial officials, said he could not make the 'remotest sense' of pensions and said complexities in personal finance breeds mistrust of the system.

"3d render of a stethoscope shaped as a pound sterling currency symbol, healthcare cost concept, isolated on white."

Giant health cover firms are playing on people's fears that it might be tricky to get a deal with another provider if they have suffered a medical emergency and had to make a claim.

Strictly Come Dancing's Anya Garnis almost lost her dream home over bill bungle

When Strictly Come Dancing star Anya Garnis found the perfect home to buy with her boyfriend, she was thrilled. The 34-year-old dancer from Russia and her British partner put an offer on their dream London flat, only to discover npower had wrecked his credit rating due to the energy firm's own blunder.

Close up of the HMRC logo as seen on its website. (Editorial use only:  print, TV, e-book and editorial website).  Revenue & Customes. Income tax form

The new personal savings allowance should mean savers can now earn up to £1,000 tax-free. And banks are supposed to pay your earnings before deducting tax.

The Government drive to auto-enrol all workers into pensions has led to the rise of master trusts, which manage centralised funds for several employers at once.

How banks are turning power of attorney into a nightmare

Tony Venner, 94, pictured in his Southborough garden with rescue dog Katie, had to wait seven months for Barclays to accept he was in charge of his wife Joan's money after her dementia deteriorated despite having all the required paperwork. Two months after finally granting Tony access to finances they had set aside for Joan's care bills, she died, aged 96.

EH840G Passengers boarding Ryanair plane at Manchester Airport. England. UK

Online firm CaseHub is looking for people stung with charges of up to €70 (£55) to check in or replace a boarding card. CaseHub argues that these fees are illegal under EU rules

Dan Hyde, Daily Mail reporter for Money Mail

2016/01/18 Picture by Georgie Gillard

In a perfect world, we wouldn't need regulators. Banks, insurers, telecoms and energy firms would recognise that the safest, most honest route to turning a profit is putting customers first.

John Roberts on good customer service and lorries too large for EU bridges

This is Money is launching a new regular series called 'a coffee with...' where we will chat to some of the most colourful bosses and financial commentators in the personal finance sphere. As part of the launch, consumer affairs editor Lee Boyce speaks to founder John Roberts.

A close up of the BT logo.

File photo dated 05/10/13 of the BT logo, as the company is to recruit 900 people to work in its security business as part of a major drive to protect consumers, businesses and governments from the growing threat of cyber crime, the company has announced. 

PRESS ASSOCIATION Photo. Issue date: Wednesday April 13, 2016. See PA story INDUSTRY BT. Photo credit should read: Nick Ansell/PA Wire

Our postbag has been brimming with your complaints since we highlighted how BT's Openreach arm was leaving customers disconnected for months on end.



Since 2013, lenders have been forced to run detailed affordability checks on mortgage applicants. An exception was made for homeowners who wanted to move properties without borrowing more.

Can I turn my £120-a-month pension into a cash lump sum? Steve Webb answers

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. This week, he tackles a question from a reader who wants to swap a small pension for cash to help repay their mortgage.


Up to 250,000 investors are still having charges taken from funds to pay for advice. All those affected visited a financial adviser before 2013 and unless they act now they could lose thousands.

As well as having to deal with the stress of potentially losing the family home, nearly 60 cent of divorcees over 50 said their break-up had left them worse off, Nationwide said.

Britain's most in-demand jobs revealed and how much they pay

Hundreds of thousands of jobs are lying unfilled across the UK, as shortages of skilled labour in certain sectors takes hold. Employers are struggling to fill posts for engineers, nurses, developers, teachers and chefs, vacancy data for April from Adzuna's website reveals.

A gloomy outlook has led to talk of rate cuts rather than rate rises, but that pessimism is not shared by mortgage lenders, who are dishing out record low rate deals.

Most of London's property market has seen values rise by 8.2 per cent during the past year. But the most expensive parts of the capital are the exception, with values dropping by as much as 12 per cent.

Dark art of mortgage affordability exposed: £200k gap on what you can borrow

Unwary first-time buyers could be pushed needlessly into smaller properties or different areas due to the 'dark art' of mortgage affordability calculators. Using a joint income of £75,000 and a deposit of £25,000 our investigations uncovered a near £200,000 difference between lenders' calculators' mortgage amounts.

Thousands of landlords, holiday home owners and those renting out spare bedrooms to earn extra cash are running the risk of substantial fines for flouting gas safety laws.

The beach hut is almost the same price as the average value of a home in Britain and comes with an outside toilet. It can only be used for 10 months of the year to prevent people using it all year round.

Five most expensive number plates ever sold in the UK revealed

A record £102million has been spent on buying personalised number plates this year - with many motorists attracted by investment potential as well as vanity. The most expensive ever sold in the UK is simply the plate 1 (pictured). We reveal how to spot a registration with value.

Planes make ready for departure as one plane lands at rear, on the southern runway as disruption continues due to bad weather leading to the cancellation of some flights at London's Heathrow Airport, Wednesday, Dec., 22, 2010. (AP Photo/Alastair Grant)

Thanks to lower air fares, clothing prices and social housing rent, the consumer prices index for March showed a lower increase than the 0.5 per cent recorded in February, according to the ONS.

Longer-life mortgages mean borrowing for more than 30 years

This is becoming an attractive option to secure a property - but could leave you paying more than £30,000 extra on a home loan. Additionally, with the average age of a first-time buyer now at just over 30, many borrowers could end up saddled with mortgage debt well into their retirement. Aston Carter and his fiancee Emma Shuker opted for a two-year, fixed-rate deal over a 40-year term.

MPs warn on safety of 'master trusts' that supply British companies' pension schemes

'Gaps' in pensions regulation mean that there is no guarantee over the stability of so-called 'master trust' which supply schemes to thousands of businesses, the Commons Work and Pensions Committee has said. It additionally warned that the success of the automatic enrolment programme - which has seen 6.1million employees take up workplace pensions - could be undermined by a collapse in one of the schemes.

Martin Offiah: I lost £245k in two investment crashes

Martin Offiah, the former England rugby league player, lost £200,000 in the 2008 financial crisis and £45,000 in the 2000 dotcom stock market crash - but says buying a £70,000 Mercedes was the most stupid thing he ever did. Offiah, who owns a multimillion pound property portfolio, also wishes he had hung on to his Rolex instead of buying a £20,000 diamond-encrusted Jacob & Co watch he is now too embarrassed to wear.

Women's investment income is lagging behind men's by more than 50% - far outstripping the gender pay gap and causing them to miss out on an average of £1,372 per year.

The Seed & EIS Hour show will feature two young businesses pitching for funding. Viewers can register interest to invest and benefit from guidance on how to evaluate opportunities.

50 ways to save money....

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

spt_Cape 3.JPG

We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

L Board sign on the rear of a blue saloon car , UK

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will UK interest rates rise?

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

House prices: What to expect - news and predictions

Nationwide says there was a 'mixed picture' across the regions in the third quarter of 2015, with the rate of house price growth accelerating in southern England and particularly London, but slowing down in the Midlands and most northern areas.

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips


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Compare your pay to the UK average across 350 professions

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

May 2016
Prize value Winning bond No. Area
£1,000,000 171EJ539324 West Scotland
£1,000,000 150PX626601 Surrey
£100,000 TR756652 Nottingham
£100,000 78EG320957 Northumberland
£100,000 70SQ047110 Essex
£100,000 209AK720567 Leicester
£100,000 171RJ541936 Hampshire and Isle of Wight
£100,000 14KT085181 Lancashire
£50,000 77AG074265 Mid Scotland and Fife
£50,000 33XT435809 Inner London
£50,000 22DR965024 Hampshire and Isle of Wight
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The company is launching a darker shade of its 'in shower' tanning lotion as increasing numbers of Brits go for the sun-kissed look.

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