David Prosser: The message from consumers: the Bankmust bail us out

Outlook The second successive fall in monthly retail sales cannot be directly attributed to the measures unveiled in Wednesday's spending review, since the data is for September. Still, the precipitous fall-off in consumer confidence we have seen since the Chancellor's emergency Budget in June provides the biggest clue as to why spending is falling: people are spooked by the prospect of the austerity ahead (not to mention the million job losses expected as a result of the spending review).

Raised ISA limit encourages record savings

The increase in the amount of money that Britons can put in an individual savings account per year has sparked record deposits, according to the Investment Management Association.

Time called on debt management company rip-offs

Some firms fail to tell debtors that there are fees involved, let alone that there are free alternatives. Chiara Cavaglieri and Julian Knight report

Mortgage squeeze is tightening, Bank warns

Britain's mortgage squeeze is getting worse, the Bank of England warned yesterday as concerns about a fresh housing market slump continue.

Hamish McRae: Bring back the usury laws

So should we all, as the man from the Bank of England urges, spend more to pull the economy out of recession? Or is that compounding the mistakes of the past, when Britons went on a spending spree on borrowed money, for which we are now paying the price? And anyway, if the economy has to rebalance towards more investment as we are also being told, surely that must mean less consumption?

OFT blasts debt firms that exploit vulnerable

More than 100 debt management firms face being forced out of the business as part of crackdown on the controversial sector, the Office of Fair Trading will reveal today. The watchdog has identified a string of failings by companies in the debt management business – which is expected to generate fee income of £250m by the end of the year.

Thousands of claimants have unsecured debts

Thousands of people claiming Jobseeker's Allowance have run up massive debts they have no hope of repaying, a charity said today.

House prices set to slump even further as home loans stay scarce

The housing market faces a "double-dip" recession this year, with falling prices and a rising tide of negative equity hitting homeowners hard.

Bereaved face more financial difficulties, says debt charity

The debt charity Consumer Credit Counselling Service (CCCS) says it has seen a substantial rise in calls to its helpline from people struggling to deal with debts after a bereavement.

Debt management firm ordered to stop 'inaccurate ads'

The trading watchdog today called on a debt management firm to stop making misleading claims in its advertising.

Lives Remembered: Neil Greig

Neil Greig was successful in military and civilian life but he will be remembered for his unassuming modesty, unswerving integrity and an unassailable devotion to his wife. While keen to share memories of the Second World War with anyone who professed an interest, he underplayed his own heroic role as a signals officer laying down wireless communications across unswept minefields in North Africa, for which he was awarded a Military Cross in 1942.

Bank borrowing patterns reflect UK's fragile economic confidence

Bank lending to business continued to slide last month, although the number of mortgage approvals improved to the highest level so far this year, the British Bankers' Association (BBA) said yesterday.

OFT orders lenders not to chase Scottish debts via English courts

Lenders have been told by the Office of Fair Trading (OFT) not to pursue customers for debts in courts outside of their home jurisdiction.

Lending cash to others can mean higher rates

Social lenders are offering investors a chance to boost their returns. And now they mean business.
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Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
Minoan Crete and Santorini
Prices correct as of 1 May 2015
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