Loans & Credit

Store cards: all that glitters is only gold for the shops

Published: 09 December 2007

They'll get you a big discount on your presents but the charges are sky-high. Watch out, warns Emma Lunn, or the debt won't just be for Christmas

FSA predicts rising tide of mortgage rejections and repossessions

Published: 09 December 2007

City regulator the Financial Services Authority (FSA) has issued a stark warning to consumers and lenders that they face tough times in 2008.

27.9%: is this the shape of cards to come?

Published: 02 December 2007

As the Halifax offers expensive plastic for people with no credit history, Julian Knight asks if more of us will end up paying a high rate

So you think a rate cut will reduce your mortgage bill?

Published: 25 November 2007

People on discount deals should watch their lender. By Esther Shaw

So here it is, plastic Christmas: how to give to a cause as you spend

Published: 25 November 2007

They're good for the soul, writes Harriet Meyer, but are charity credit cards the best way to donate or to keep down your interest payments?

Credit crunch bites as lenders push interest rates towards 10%

Published: 25 November 2007

As the credit crunch hits home, the average interest rate on an unsecured loan of £5,000 has risen to nearly 9.5 per cent, according to the price-comparison website MoneyExpert.com.

Standard Life blinks first as life gets tough for mortgage lenders

Published: 18 November 2007

Now that one big name has raised its rates, there's a danger that others may follow, writes Julian Knight

Julian Knight: Handbagging aside, the banks still have to sort out fees

Published: 18 November 2007

With the High Court case into the legitimacy of current account charges a matter of weeks away, the two parties – the banks and the Office of Fair Trading (OFT) – are at each other's throats.

Cost of borrowing: Bank dashes December rate cut hopes

Published: 18 November 2007

Struggling homeowners hoping for a pre-Christmas interest-rate cut may be disappointed. Inflation moved unexpectedly higher last month, back above the Government's 2 per cent target, mainly due to food and oil prices.

Credit crunch: Life just got harder for those who have to borrow to buy

Published: 11 November 2007

First it was applicants for mortgages, now it's high-street and mail-order shoppers being put through strict new lending tests. By Esther Shaw

Warning to credit card customers as lenders pass on higher borrowing costs

Published: 11 November 2007

Credit card companies have put up more than 100 fees since September, the financial information group Moneyfacts says. Those relating to withdrawals from cash machines, the use of cards abroad and debt transfers from other cards have risen particularly steeply.

Will cashback on cards lead you into temptation?

Published: 04 November 2007

It's the reward that most people look for but it works only if you can clear your debt each month. Emma Lunn surveys the best deals

Refunds are fast-tracked for Christmas after credit union fails

Published: 04 November 2007

Members of the collapsed Streetcred credit union have been urged to contact the Financial Services Compensation Scheme (FSCS) for a refund.

Banks fail in legal battle over credit cards

Published: 04 November 2007

Lloyds TSB and Tesco Personal Finance have been defeated in their attempt to have a key piece of consumer protection legislation overturned.

Borrowers stand by for rejection as banks keep purse-strings tight

Published: 28 October 2007

The credit crunch is far from over, the Bank of England has warned.

Borrowing rates go over our heads

Published: 28 October 2007

Nearly three-quarters of mortgage holders do not understand the full effects of interest rate rises, according to a survey from credit report website CreditExpert.co.uk.

Londoners sink deepest into the red as salaries lag behind cost of living

Published: 28 October 2007

People from London have the average highest debt in the UK, according to findings from credit reference agency Callcredit.

'Personal pricing' adds to confusion over rates for 'offline' borrowers

Published: 21 October 2007

A growing number of high-street banks are hiding behind a "personal pricing smokescreen" when offering loans to offline applicants, according to uSwitch.com.

Debt: Gumshoes who'll walk all over you

Published: 21 October 2007

Many Brits are plunging into the red, says Madeline Thomas, and private eyes are gunning for them

FSA could 'force banks to return penalty charges'

Published: 20 October 2007

Banks may be forced to hand back billions of pounds to current account customers if they lose a landmark High Court case on charges next year.

Card fraudsters find fertile new territory

Published: 14 October 2007

Chip and pin was intended to stamp out theft. Instead, it has moved overseas and online. Harriet Meyer reports

ASA pulls the plug on loan company's harassed housewife

Published: 14 October 2007

A loan company broke advertising rules because it suggested borrowing large sums of money was an "everyday occurrence", the industry watchdog has said.

Strike will hit credit card customers

Published: 14 October 2007

The mail strike could lead to large numbers of credit card holders being hit with penalties as cheques are delayed in the post and payment deadlines missed as a result.

Debt alert: don't join the university of hard knocks

Published: 07 October 2007

As freshers sink their first pints, Laura Howard shows how to avoid a financial hangover

£264m lost as fraudsters regain initiative by using plastic abroad

Published: 07 October 2007

Credit and debit card fraud has risen sharply, according to the Association for Payment Clearing Services (Apacs).

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