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

Should the OFT have allowed loans at rates of 2,500% a year?

Report gives payday loan companies green light as calls grow for mainstream lenders to offer more low-cost credit

David Prosser: The dangers of a cap on interest rates

Outlook The Office of Fair Trading's decision not to impose a maximum interest rate on lenders such as pawnbrokers, payday loan providers and other high-cost lenders is a sensible case of the head ruling the heart.

David Prosser: How Wall Street played the system

Slowly but surely, America's justice system is waking up to the idea that there is some mileage in going after the banks at the centre of the financial crash of 2008. Hot on the heels of the Goldman Sachs SEC charges comes an investigation by the New York attorney general Andrew Cuomo into whether eight Wall Street banks misled the big credit ratings agencies so they would give the mortgage securities at the centre of the collapse a clean bill of health.

Plastic surgery: How to boost your credit-card rating

Card providers are beefing up their rates and getting choosy about who they accept, writes Chiara Cavaglieri

Wealth Check: 'I have no credit history in this country'

Alexandra Marr, 30, has just returned to the UK after working abroad for seven years as a marketing and public relations consultant. "I've been lucky enough to hit the ground running and have found a lot of work due to my extensive experience in the US and Canada," she says. "But I have no credit history in Britain, so it has been difficult to think of long-term financial goals. My excellent credit scoring in the US and from seven years ago in the UK counts for nothing. I've just had to pay four months' rent up-front and I am having problems applying for all sorts of accounts. I have about $50,000 in savings but it is earning just 0.02 per cent, so I am desperate to at least put some of these savings to work."

Moody's cuts credit rating on Greece's debt

Greece's credit rating has been cut to A3 by Moody's Investors Service.

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

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

Moody's says Britain's AAA credit rating is safe – for now

As he completes preparations for what could be one of the toughest Budgets in years, Alistair Darling has been treated to an unfamiliar chorus of encouraging news from the credit ratings agency Moody's, Bank of England policy maker Kate Barker and the gilts market.

Econoblog: Trade numbers are bad but banking problems are bigger worry

t's difficult to know what to be more worried by; the appalling trade numbers; credit rating agency warnings on the UK's credit rating, or similar warnings about how fragile the banks still are.

Money Matters: 'Will a partially settled debt affect my future borrowing?'

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

George Osborne: Our first task must be to cut the deficit in Britain's finances

We cannot go on with the old economic model of the last decade. A model that depended on: a public spending boom we couldn't afford; an overblown banking sector; and unsustainable consumer borrowing off the back of a housing bubble.

Beginner's Guide To: Personal loans

Loan rates are starting to gradually fall, however, providers continue to be very selective on who they will offer their best deals to with many of the most competitive products available to existing customers only.

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Prices correct as of 1 May 2015
Fishing for votes with Nigel Farage: The Ukip leader shows how he can work an audience as he casts his line to the disaffected of Grimsby

Fishing is on Nigel Farage's mind

Ukip leader casts a line to the disaffected
Who is bombing whom in the Middle East? It's amazing they don't all hit each other

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Robert Fisk untangles the countries and factions
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Lord O’Donnell: Former cabinet secretary on the election and life away from the levers of power

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It's all bright on the night
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Bread from heaven

Dutch survivors thank RAF for World War II drop that saved millions
Britain will be 'run for the wealthy and powerful' if Tories retain power - Labour

How 'the Axe' helped Labour

UK will be 'run for the wealthy and powerful' if Tories retain power
Rare and exclusive video shows the horrific price paid by activists for challenging the rule of jihadist extremists in Syria

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300 players take part in Watch the Skies! board game in London
'Nymphomaniac' actress reveals what it was really like to star in one of the most explicit films ever

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Robert Fisk in Abu Dhabi: The Emirates' out-of-sight migrant workers helping to build the dream projects of its rulers

Robert Fisk in Abu Dhabi

The Emirates' out-of-sight migrant workers helping to build the dream projects of its rulers
Vince Cable interview: Charging fees for employment tribunals was 'a very bad move'

Vince Cable exclusive interview

Charging fees for employment tribunals was 'a very bad move'
Iwan Rheon interview: Game of Thrones star returns to his Welsh roots to record debut album

Iwan Rheon is returning to his Welsh roots

Rheon is best known for his role as the Bastard of Bolton. It's gruelling playing a sadistic torturer, he tells Craig McLean, but it hasn't stopped him recording an album of Welsh psychedelia
Morne Hardenberg interview: Cameraman for BBC's upcoming show Shark on filming the ocean's most dangerous predator

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Meet the man who films great whites for a living
Increasing numbers of homeless people in America keep their mobile phones on the streets

Homeless people keep mobile phones

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