Debt help

Is equity release right for me

Is equity release for me

If you’re a homeowner, over time your property builds up equity. You can choose to release some or all of the equity in order to receive a lump sum of money but is equity release for me? While it can seem like a great idea, it isn’t always the best option. It is a long

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refused credit or a loan

Refused for credit or a loan

When the ‘Computer Says No’ being refused for credit or a loan it can feel like an irritation, or the end of the world, depending on your specific needs and circumstances at the time. If you’re wondering what you can do if refused for credit or a loan, and what alternative options there are, then

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Notice from a bailiff

Notice from a bailiff

If you are in debt and behind with repayments, your creditor may instruct a Bailiff to act against you. The Bailiff may visit your home or business and seize assets, which they will then sell to recoup some or all of the money you owe them. Notice from a Bailiff can be confusing – just

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payday loans vs overdrafts

Payday loans vs overdrafts

We all know that payday loans involve excruciatingly high interest rates and are really best avoided. So is it payday loans vs overdrafts or should we shop around for an alternative? Those finding themselves a bit short of cash at the end of the month often opt for dipping into an overdraft rather than paying

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payday lenders

Will using payday loans affect my credit rating

There may be times when a PayDay loan is a necessary last resort to get you out of a financial fix. Will using payday loans affect my credit rating and affect the way traditional lenders will view my creditworthiness in the future? BBC Newsnight recently conducted a spot of research that suggested mortgage lenders may

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managing your money more efficiently

How to budget on a low income

When cash is tight it’s important to keep an eye on your budget. Careful organisation is required to avoid getting into debt and there are a few easy steps on how to budget on a low income and  keep your bank balance in the black. Own your Budget Watching the Chancellor deliver his budget every

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