Banking

Consumer credit: households financially affected by the pandemic and what FCA is doing to help?

Loans

As England emerges from its second lockdown, many households are facing severe financial difficulty.

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FCA confirms support for mortgage borrowers affected by the pandemic until 31st March 2021

Loans Mortgages

The FCA published new guidance for mortgage customers that allows those affected by the pandemic to apply for a new payment holiday until 31st March 2021.

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How to transfer to a lower rate credit card or 0% balance transfer

Cards

Anyone on the fence, wondering if the hassle of finding a lower rate or 0% balance transfer card will save them years of interest and potentially 000’s or 0000’s of pounds – check out a free online credit card calculator.

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Your Credit File: How credit scores help you

Banking Credit Scoring

The importance of credit scoring to our lives has grown exponentially since the start of the credit crunch back in August 2007.

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Your Credit File: How lenders decide to loan

Banking Credit Scoring

While the Government encourages lenders to offer more credit, we don’t have a right to be lent money.

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Your Credit File: What lenders need to know

Banking Credit Scoring

So, what are lenders aware of when you apply for a loan? It’s important to know this, so you can ensure you are showing your credit history in the best way.

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Loans, credit cards and other revolving credit: how FCA guidance supports all users until 2021

Loans

FCA extends applications for payment breaks until 31st March 2021 Extension help will cover users of credit cards, other

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Persistant Debt Notice? Do not worry, here’s why

Cards

If you’ve been contacted by your lender with a ‘persistent debt’ notice, in summary, this is your lender dutifully flagging to you.

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Should you consolidate your debts into a personal loan?

Cards

Consolidating your debts with a personal loan has its pros and cons. Putting all your eggs in one basket can be a convenient way of becoming debt-free, but is it the cheapest way of doing it?

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What is persistent debt? And the Financial Conduct Authority rules for lenders with ‘persistent debt’ customers.

Cards

First quarter of 2020 – before COVID-19 measures were being proposed to firms, by the FCA, on how they must treat credit product customers financially effected by the pandemic

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Introduction to Loans

Loans

When it comes to financial earnings, a little boost is always a good option to be considered. Financial loans can become very useful when buying the necessary assets to support a new business venture, planning a marriage or consolidating existing debt. 

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Credit Scoring: How to improve your credit score

Banking Credit Scoring

It is important to take time to manage your credit score, and arguably little or no credit history can count against you as much a poor credit history.

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Credit Cards vs Debit Cards. What is the difference?

Cards

Both credit and debit cards are essentially providing the same features of spending money online or in-store, avoiding cash exchanges, however, they differ in the way their users spend money.

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From the Web

What Is A Personal Loan?

From the web

While personal loans can offer fast and flexible financing, they can be expensive—with origination fees and interest charged on the entire loan …

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Students loan interest scrapping proposals rejected by the state – alternatives proposed

From the web

STUDENT loan arrangements came into focus this week as yesterday the vice chancellors of seven universities called on the Government to scrap interest on the loans for 15 months …

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Debt collectors want bigger role in recovering bounce back loans

From the web

The banks who extended the loans will have initial responsibility for collecting any unpaid debts, and industry group UK Finance is attempting …

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UK households repaid £16bn on credit cards and loans in 2020

From the web

British households repaid the most money borrowed on credit cards and loans in 2020 since records began almost three decades ago, as consumers cut back spending during the coronavirus pandemic.

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