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Shoppers lured into the new-look Oxford Circus, shouldn't let the bright lights dazzle them from credit-card safety

Simple steps to beat the card fraud menace

When flexing your plastic in the shops this Christmas, be on guard. By Chiara Cavaglieri

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Amid signs that the cost of personal loans may be on its way down, here are some important tips to help those considering a loan locate the best deal

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Beware – there are still sharks swimming in the sale-and-rent-back pool

Not all schemes stick to new rules, say Alessia Horwich and Julian Knight

Spotlight: Loans

Loan providers have received much criticism recently as personal loan rates have been rising, even though the Bank of England base rate is at a record low of 0.5 per cent. Marks & Spencer Money's decision to cut its loan rate is therefore welcome news.

Beginner's Guide To: Winter sports insurance

With the ski season just around the corner, it's the time to start thinking about your travel insurance if you'll be hitting the slopes this winter. Yet most policies don't include cover for winter sports as standard so it's essential to make sure you will be insured for whatever snow-based activity you'll be partaking in.

Pension 'black hole' could leave millions facing misery

Retirement plans are looking less rosy for anyone relying on the state scheme

Scams growing as tax deadline looms

A record 83,000 scam emails offering fake tax refunds were reported to HM Revenue & Customs (HMRC) in September. What’s more, use of the technique, known as phishing, seems to be growing in the run-up to the 31 October deadline for paper self-assessment tax returns, with an unprecedented 10,000 reports of the fraud made to HMRC on one day alone.