News

Up to 40 per cent have not made key checks on their credit rating or electoral roll entry

Banks tell 'at risk' borrowers to spend less or lose their homes

Mortgage payments should be top priority for customers, say lenders

When the price is not right: Why is a $50m record collection unable to sell for even a fraction of its value?

Sometimes unique items aren't worth what we think, discovers Phil Boucher

David Prosser: Standard & Poor's is still feeling the heat

Outlook There is confusion over exactly what the Securities and Exchange Commission is investigating in relation to the downgrading of the US by credit ratings agency Standard & Poor's (and no one will say on the record). Some reportssuggest the SEC is conducting an insider dealing inquiry. Others think the regulator is looking into the decision itself.

United States loses AAA credit rating from S&P

Credit rating agency Standard & Poor's said today it had downgraded the United States' credit rating for the first time in the history of the ratings.

Stephen Foley: Will Obama lose the US’s AAA credit rating?

In one place for your convenience, the current positions of the three main credit rating agencies on long-term US government debt.

US debt deal may be too little, too late

The fight to save the US's AAA rating is just beginning, with huge implications for the global economy

The US Debt Ceiling: Is America in danger of default?

What is a debt ceiling?

Leading article: Shooting the messenger

Manuel Barroso has become the latest European politician to take a swipe at the credit rating agencies. The president of the European Commission this week suggested that the timing of Moody's latest downgrade of Portuguese debt was "questionable" and implied some sort of anti-European conspiracy from the three large US agencies.

Don't take no for an answer from mortgage lenders

News that banks are getting tough on potential borrowers doesn't mean you won't get a mortgage.

Questions Of Cash: Barclays' doubt over 7/7 payout ended in debt

Q. I was a customer with Barclays for several years, but closed all my accounts in spring 2008 – I thought. I was badly injured in the London 7/7 bombings and received compensation. When I went to the bank with a compensation cheque, the woman at the counter was very rude and quizzed me as to "where you got this money" and "what was it for", as if I was a drug dealer. This was despite the cheque clearly stating London Bombing Charity Relief Fund. So I closed my account.

Questions of Cash: 'Santander worries damaged my health'

Q. I am disabled and problems with my Santander card are damaging my mental health. I was notified that dormant accounts incur a £10 charge. I've not used my Debenham's store card for some time and decided to close the account. I wrote to Santander by recorded delivery and cut-up the card. I also logged-on to my account online and requested the card be deactivated. Three weeks later, I still haven't had confirmation that the account has been closed, nor have I had a response to my online message. FM, London.

Good news at last: change is on the cards

Looking for a loan is about to get easier, but you'll still need to hunt around, says Joe McGrath
Career Services

Day In a Page

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 23 January 2015
Isis hostage crisis: The prisoner swap has only one purpose for the militants - recognition its Islamic State exists and that foreign nations acknowledge its power

Isis hostage crisis

The prisoner swap has only one purpose for the militants - recognition its Islamic State exists and that foreign nations acknowledge its power, says Robert Fisk
Missing salvage expert who found $50m of sunken treasure before disappearing, tracked down at last

The runaway buccaneers and the ship full of gold

Salvage expert Tommy Thompson found sunken treasure worth millions. Then he vanished... until now
Homeless Veterans appeal: ‘If you’re hard on the world you are hard on yourself’

Homeless Veterans appeal: ‘If you’re hard on the world you are hard on yourself’

Maverick artist Grayson Perry backs our campaign
Assisted Dying Bill: I want to be able to decide about my own death - I want to have control of my life

Assisted Dying Bill: 'I want control of my life'

This week the Assisted Dying Bill is debated in the Lords. Virginia Ironside, who has already made plans for her own self-deliverance, argues that it's time we allowed people a humane, compassionate death
Move over, kale - cabbage is the new rising star

Cabbage is king again

Sophie Morris banishes thoughts of soggy school dinners and turns over a new leaf
11 best winter skin treats

Give your moisturiser a helping hand: 11 best winter skin treats

Get an extra boost of nourishment from one of these hard-working products
Paul Scholes column: The more Jose Mourinho attempts to influence match officials, the more they are likely to ignore him

Paul Scholes column

The more Jose Mourinho attempts to influence match officials, the more they are likely to ignore him
Frank Warren column: No cigar, but pots of money: here come the Cubans

Frank Warren's Ringside

No cigar, but pots of money: here come the Cubans
Isis hostage crisis: Militant group stands strong as its numerous enemies fail to find a common plan to defeat it

Isis stands strong as its numerous enemies fail to find a common plan to defeat it

The jihadis are being squeezed militarily and economically, but there is no sign of an implosion, says Patrick Cockburn
Virtual reality thrusts viewers into the frontline of global events - and puts film-goers at the heart of the action

Virtual reality: Seeing is believing

Virtual reality thrusts viewers into the frontline of global events - and puts film-goers at the heart of the action
Homeless Veterans appeal: MP says Coalition ‘not doing enough’

Homeless Veterans appeal

MP says Coalition ‘not doing enough’ to help
Larry David, Steve Coogan and other comedians share stories of depression in new documentary

Comedians share stories of depression

The director of the new documentary, Kevin Pollak, tells Jessica Barrett how he got them to talk
Has The Archers lost the plot with it's spicy storylines?

Has The Archers lost the plot?

A growing number of listeners are voicing their discontent over the rural soap's spicy storylines; so loudly that even the BBC's director-general seems worried, says Simon Kelner
English Heritage adds 14 post-war office buildings to its protected lists

14 office buildings added to protected lists

Christopher Beanland explores the underrated appeal of these palaces of pen-pushing
Human skull discovery in Israel proves humans lived side-by-side with Neanderthals

Human skull discovery in Israel proves humans lived side-by-side with Neanderthals

Scientists unearthed the cranial fragments from Manot Cave in West Galilee