Julian Knight: In debt? Then steer clear of these IVA rip-off merchants

Coming out of recession is often the most dangerous time for your personal finances.

Getting back on your feet when facing the threat of bankruptcy

Mounting 'debt-lag' is leaving record numbers insolvent. Rob Griffin assesses the options available for those suffering financial distress

Simon Read: Why it never pays to hide your debts from your family

Do you lie to your family about how much you owe? One in five of us does, according to research published this week by the Post Office. Apart from the problems that lying can bring to a relationship, there is the pressure that people in debt bring on themselves by not opening up to those close to them.

JP Morgan boss predicts strong recovery after profits soar

The head of US banking giant JP Morgan harboured hopes of a "strong recovery" today after the group posted a 54% profits hike for the first three months of 2010.

Low pound leaves expats struggling with UK debt

British expats struggling to cope with the dive in the value of the pound has led to a substantial increase in the number asking for help with their debts.

Simon Read: Action at last against claims managers

I have often written about claims management companies in this column as I believe their activities to be largely reprehensible. They prey on hard-up people by telling them that they can write off their debts and be free of financial worries. But often they simple take a fee from a desperate person and do nothing to help them, leaving then in an even worse position.

Money Matters: 'Why am I being refused credit?'

Debt advice from the Kevin Boon of the Consumer Credit Counselling Service

David Prosser: Why bend to the plastic providers?

Outlook: The test of these rules will come not this year, but during the next expansion of consumer credit

Simon Read: Cracking down on claims management firms

The net seems to be closing on claims management companies as the authorities are finally getting tough with them. Claims management companies are the firms which advertise widely on daytime television and in down-market newspapers with promises that people can write off their debts or claim compensation from credit card companies and banks through some legal loophole. The Ministry of Justice recently announced an investigation into the work of one of the most vocal claims managers, Cartel Client Review.

Money Matters: 'Is bankruptcy for me?'

Debt advice from the Kevin Boon of the Consumer Credit Counselling Service

Massive rise in interest rates on personal loans

Cost of borrowing jumps by 42 per cent as banks seek to discourage bad debtors

Money Matters: 'Can a debt collector reveal details of my debt?'

Debt advice from the Kevin Boon of the Consumer Credit Counselling Service

VAT hike sparks instalment credit jump

Store instalment credit jumped sharply during December as consumers bought things on the never-never to beat the impending VAT hike, figures showed today.

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Independent Travel
Pompeii, Capri & the Bay of Naples
Dubrovnik, the Dalmatian Coast & Montenegro
Burgundy, the River Rhone & Provence
Lisbon, Oporto and the Douro Valley
Lake Garda, Venice & Verona
Spain
Prices correct as of 30 January 2015
As in 1942, Germany must show restraint over Greece

As in 1942, Germany must show restraint over Greece

Mussolini tried to warn his ally of the danger of bringing the country to its knees. So should we, says Patrick Cockburn
Britain's widening poverty gap should be causing outrage at the start of the election campaign

The short stroll that should be our walk of shame

Courting the global elite has failed to benefit Britain, as the vast disparity in wealth on display in the capital shows
Homeless Veterans appeal: The rise of the working poor: when having a job cannot prevent poverty

Homeless Veterans appeal

The rise of the working poor: when having a job cannot prevent poverty
Prince Charles the saviour of the nation? A new book highlights concerns about how political he will be when he eventually becomes king

Prince Charles the saviour of the nation?

A new book highlights concerns about how political he will be when he eventually becomes king
How books can defeat Isis: Patrick Cockburn was able to update his agenda-setting 'The Rise of Islamic State' while under attack in Baghdad

How books can defeat Isis

Patrick Cockburn was able to update his agenda-setting 'The Rise of Islamic State' while under attack in Baghdad
Judith Hackitt: The myths of elf 'n' safety

Judith Hackitt: The myths of elf 'n' safety

She may be in charge of minimising our risks of injury, but the chair of the Health and Safety Executive still wants children to be able to hurt themselves
The open loathing between Barack Obama and Benjamin Netanyahu just got worse

The open loathing between Obama and Netanyahu just got worse

The Israeli PM's relationship with the Obama has always been chilly, but going over the President's head on Iran will do him no favours, says Rupert Cornwell
French chefs get 'le huff' as nation slips down global cuisine rankings

French chefs get 'le huff' as nation slips down global cuisine rankings

Fury at British best restaurants survey sees French magazine produce a rival list
Star choreographer Matthew Bourne gives young carers a chance to perform at Sadler's Wells

Young carers to make dance debut

What happened when superstar choreographer Matthew Bourne encouraged 27 teenage carers to think about themselves for once?
Design Council's 70th anniversary: Four of the most intriguing prototypes from Ones to Watch

Design Council's 70th anniversary

Four of the most intriguing prototypes from Ones to Watch
Dame Harriet Walter: The actress on learning what it is to age, plastic surgery, and her unease at being honoured by the establishment

Dame Harriet Walter interview

The actress on learning what it is to age, plastic surgery, and her unease at being honoured by the establishment
Art should not be a slave to the ideas driving it

Art should not be a slave to the ideas driving it

Critics of Tom Stoppard's new play seem to agree that cerebral can never trump character, says DJ Taylor
Bill Granger recipes: Our chef's winter salads will make you feel energised through February

Bill Granger's winter salads

Salads aren't just a bit on the side, says our chef - their crunch, colour and natural goodness are perfect for a midwinter pick-me-up
England vs Wales: Cool head George Ford ready to put out dragon fire

George Ford: Cool head ready to put out dragon fire

No 10’s calmness under pressure will be key for England in Cardiff
Michael Calvin: Time for Old Firm to put aside bigotry and forge new links

Michael Calvin's Last Word

Time for Old Firm to put aside bigotry and forge new links