Loans & Credit

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Loans & Credit

Credit card squeeze: has borrowing on plastic had its day?

The credit card market in Britain may be unsustainable.

Inside Loans & Credit

Spotlight: Loans

Saturday, 7 November 2009

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.

Make sure you read the small print

Ten tips to avoid crafty credit card tricks

Wednesday, 4 November 2009

This month, the government unveiled plans to crackdown on credit card companies and help give consumers a fairer deal. But what can you do to protect your pocket in the meantime?

Higher minimum payments will eat in to bank profits, which could prompt them to pump up fees, charges and interest rates

Big credit-card shake-up could hit you in the pocket

Sunday, 1 November 2009

Watch for hidden perils, warns Chiara Cavaglieri

Beginner's Guide To: Credit card order of payments

Saturday, 31 October 2009

The government has announced a new consultation into credit cards, proposing a raft of measures designed to "clean up the industry" and bring an end to practices it deems unfair.

Spotlight: AA Credit Card

Saturday, 31 October 2009

It's not only cards with 0 per cent offers on purchases that are popular in the run-up to Christmas. Cards that reward you for spending are a great option for those who pay off their credit card bill each month. And The AA has joined the reward card club.

Money Insider: Regulator pushes affordability tests for loans

Saturday, 24 October 2009

The Financial Services Authority this week unveiled a raft of new proposals as part of its much-anticipated Mortgage Market Review. The additional burden of red tape from the regulator has been criticised by some as too little too late; however there are elements within the 118-page review that look positive.

Money Insider: Rate cuts open up loans market

Saturday, 17 October 2009

There are more signs that competition in the mortgage market is growing. Following rate reductions last week from Abbey, Woolwich and Northern Rock, First Direct has now launched two new keenly priced base-rate tracker mortgages.

Spotlight: Islamic Bank of Britain deposit account

Saturday, 17 October 2009

With inflation at a five-year low, there seems little chance of interest rates rising any time soon. In fact, the Centre for Economic and Business Research expects the base rate to remain at 0.5 per cent until 2011. Savers looking to maximise returns in this low-rate environment may be attracted to a fixed rate account as this is where the highest returns are to be had.

Spotlight: Sainsbury's Credit Card

Saturday, 10 October 2009

Activity in the credit card market is warming up as we start to think about those all-important Christmas shopping purchases.

These dangerous debt managers must be reined in

Sunday, 20 September 2009

A clampdown on dodgy debt-management firms looks likely after the Government published a consultation document on Friday, questioning whether the firms need to be regulated. "Taking tough, swift action against firms which fail to operate within the rules and which provide sub-standard services to consumers with problem debt remains a high priority," said the Ministry of Justice.

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