Five questions on: Annoying spam texts

There's a whole new world of pain arriving, as an army of pension scammers try to tempt you into cashing in your retirement savings

Payday lenders still failing customers, says watchdog

The City watchdog yesterday accused payday lenders of unfair practices, particularly when dealing with people in debt.

Peer-to-peer lending can pay off – but there are pitfalls

How peer-to-peer finance is blossoming into a multi-billion pound industry

The first of them, Zopa, has now lent nearly £750m

Five Questions on: Payday lenders

What have they done now?

Money Insider: Peer-to-peer lenders come into their own as marketplace lending evolves

P2P lenders have bold ambitions, not just to be part of the system but to shape the way that finance is provided, says Andrew Hagger

Will the 0% credit-card madness ever end?

The latest best-buy topper from Barclaycard lasts for a staggering three years

Are bills ruining your family life? Try the lover's guide to coping with debt...

If you're in the red and can't find a way out, it's time to get some help. Neasa MacErlean hears that relationships will suffer unless you are open with your partner, but there are organisations that will put you on the right track and get you talking

The dark side of debt: Descending into financial desperation is not due to self-indulgence

Three stories reveal financial desperation that was born of other, serious concerns, from being a victim of sexual assault, to losing a family member

Millions in line for compensation after being sold unnecessary credit card cover

Compensation would be for around £25 per year for AIB Group products

Simon Read: "In a corner of British Gas - help for the hard-up"

It's Debt Awareness Week, so I've been talking to someone on the front line. He manages a team who spend their days talking and helping those with debt difficulties.

Simon Read: Information is power. And it's in the wrong hands when people are cold-called by companies that know they're in debt

In debt? You're likely to be targeted by unscrupulous companies that hope to profit from your misfortune. They may try to pretend to be your friend by offering what they call "help" – but almost certainly that help will come with a cost and leave you worse off than you were before they got in touch.

Simon Read: A couple of decades late, the bankruptcy threat recedes

I'm pleased to report some good news this week for debtors. It's going to become much harder to push people into bankruptcy.

Coalition grants respite to debtors

People struggling with debt received a boost yesterday with the announcement that the threshold for forcing debtors into bankruptcy was being raised from £750 to £5,000.

Will a credit card balance transfer work for you?

The battle between credit card companies vying to offer the longest 0 per cent term for balance transfers shows no sign of tailing off, with the launch of yet another high-profile deal.

Simon Read: Your country needs you ... to go massively into debt

Cynicism is an important part of any journalist's outlook. I gave a talk at my son's school last month about careers and the jobs market. There were one or two other dads and former pupils doing the same.

Money
The number of people coming to Citizens Advice for help with debt created by overpaid tax credit has soared by 14 per cent in the last year
Round-up of the personal finance stories you may have missed 23 to 27 March
Money
The FCA has outlined plans to introduce additional protection for those accessing their defined contribution pension pot – a so-called second-line of defence for consumers (Getty)
Video: Simon Read talks to Alan Higham of Fidelity Worldwide Investment
Money
Sunset in Vancouver: pensioners who now live in Canada could get a higher state pension just by crossing the border
If we want to enjoy the golden years rather than spend them running for the shadows, then we’ll need plenty of cash, says Simon Read
Money
Inflation falls to 0%; Fresh pension text scammers warning; are Help to Buy Isas attractive?;  and the money-saving deals of the week
Money
Investors have been burnt by an energy fund that promised money for solar panels
comment
Money
Put your best foot forward by donating your old boots to charity
deals
New Articles
Round-up of the personal finance stories you may have missed 16 to 20 March
Money
Isas; energy-efficiency handout and minimum wage rise
Money
If you're a female between 55 and 64, you're like to have half the retirement savings that a man has, warns Maike Currie of Fidelity Personal Investing
Money
Video: The Independent’s personal finance editor finds out how savers and investors can make the most of the new rules affecting tax-free savings
Money
Paul Renshaw plans to put the £30,000 he has sitting in two pensions into improvements for his home and garden in Havant, Hampshire
comment
Money
Put a spoke in your children's holiday plans
deals
Money
Round-up of the personal finance stories you may have missed 9 to 13 March
Money
There is a big difference between the best and worst rates on offer and you may need to keep moving your cash around
You have an allowance right to stash up to £15,000 of your savings in a tax-free account, but you must use it by 5 April...
Money
15 per cent of all UK adults have the biggest debt burden by owing money to five or more organisations
Councils have to chase debts, but not so aggressively, says Simon Read
Money
The Financial Conduct Authority took the unprecedented step of making Wonga cancel the outstanding debt of 330,000 borrowers and scrap the fees and charges of 45,000 more
MPs warn on pension scams; councils get tough on council tax arrears; and watchdog slams payday lenders
Money
The FCA has outlined plans to introduce additional protection for those accessing their defined contribution pension pot – a so-called second-line of defence for consumers (Getty)
Video: Pension expert Jamie Jenkins tells Simon Read what to be wary of when the new pension freedoms come into force in April
Money
A replica of the Churchill dog could be yours for free
deals
Money
Eileen Clarke received a hugely-inflated bill from British Gas, which at least had the grace to rectify its mistake
comment
Money
The force pays a maintenance firm £100 if a bulb
A round-up of the personal finance stories you may have missed 2 to 6 March
Financial products from our partners
Property search
On Google+
The Independent
 
The Independent on Google+
i100
i100 on Google+
i Newspaper
 
TheIPaper
The Independent around the web
  • Get to the point
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

Property search
iJobs Job Widget
iJobs Money & Business

Recruitment Genius: Retirement Coordinator - Financial Services

Negotiable: Recruitment Genius: To provide a prompt, friendly and efficient se...

Recruitment Genius: Annuities / Pensions Administrator

Negotiable: Recruitment Genius: You will be the first point of contact for all...

Ashdown Group: HR, Payroll & Benefits Officer - Altrincham - up to £24,000.

£18000 - £24000 per annum + benefits: Ashdown Group: HR, Payroll & Benefits Of...

Ashdown Group: Learning and Development Programme Manager

£35000 - £38000 per annum + benefits : Ashdown Group: A highly successful, int...

ES Rentals

    Day In a Page

    Independent Travel
    Pompeii, Capri & the Bay of Naples
    Seven Cities of Italy
    Burgundy, the River Rhone & Provence
    Prague, Budapest and Vienna
    Lake Garda
    3.	Provence 6 nights B&B by train from £599pp
    Prices correct as of 12 March 2015
    The saffron censorship that governs India: Why national pride and religious sentiment trump freedom of expression

    The saffron censorship that governs India

    Zareer Masani reveals why national pride and religious sentiment trump freedom of expression
    Prince Charles' 'black spider' letters to be published 'within weeks'

    Prince Charles' 'black spider' letters to be published 'within weeks'

    Supreme Court rules Dominic Grieve's ministerial veto was invalid
    Distressed Zayn Malik fans are cutting themselves - how did fandom get so dark?

    How did fandom get so dark?

    Grief over Zayn Malik's exit from One Direction seemed amusing until stories of mass 'cutting' emerged. Experts tell Gillian Orr the distress is real, and the girls need support
    The galaxy collisions that shed light on unseen parallel Universe

    The cosmic collisions that have shed light on unseen parallel Universe

    Dark matter study gives scientists insight into mystery of space
    The Swedes are adding a gender-neutral pronoun to their dictionary

    Swedes introduce gender-neutral pronoun

    Why, asks Simon Usborne, must English still struggle awkwardly with the likes of 's/he' and 'they'?
    Disney's mega money-making formula: 'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan

    Disney's mega money-making formula

    'Human' remakes of cartoon classics are part of a lucrative, long-term creative plan
    Lobster has gone mainstream with supermarket bargains for £10 or less - but is it any good?

    Lobster has gone mainstream

    Anthea Gerrie, raised on meaty specimens from the waters around Maine, reveals how to cook up an affordable feast
    Easter 2015: 14 best decorations

    14 best Easter decorations

    Get into the Easter spirit with our pick of accessories, ornaments and tableware
    Paul Scholes column: Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season

    Paul Scholes column

    Gareth Bale would be a perfect fit at Manchester United and could turn them into serious title contenders next season
    Inside the Kansas greenhouses where Monsanto is 'playing God' with the future of the planet

    The future of GM

    The greenhouses where Monsanto 'plays God' with the future of the planet
    Britain's mild winters could be numbered: why global warming is leaving UK chillier

    Britain's mild winters could be numbered

    Gulf Stream is slowing down faster than ever, scientists say
    Government gives £250,000 to Independent appeal

    Government gives £250,000 to Independent appeal

    Donation brings total raised by Homeless Veterans campaign to at least £1.25m
    Oh dear, the most borrowed book at Bank of England library doesn't inspire confidence

    The most borrowed book at Bank of England library? Oh dear

    The book's fifth edition is used for Edexcel exams
    Cowslips vs honeysuckle: The hunt for the UK’s favourite wildflower

    Cowslips vs honeysuckle

    It's the hunt for UK’s favourite wildflower
    Child abuse scandal: Did a botched blackmail attempt by South African intelligence help Cyril Smith escape justice?

    Did a botched blackmail attempt help Cyril Smith escape justice?

    A fresh twist reveals the Liberal MP was targeted by the notorious South African intelligence agency Boss