News

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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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
Woman who was sent to three Nazi death camps describes how she escaped the gas chamber

Auschwitz liberation 70th anniversary

Woman sent to three Nazi death camps describes surviving gas chamber
DSK, Dodo the Pimp, and the Carlton Hotel

The inside track on France's trial of the year

Dominique Strauss-Kahn, Dodo the Pimp, and the Carlton Hotel:
As provocative now as they ever were

Sarah Kane season

Why her plays are as provocative now as when they were written
Murder of Japanese hostage has grim echoes of a killing in Iraq 11 years ago

Murder of Japanese hostage has grim echoes of another killing

Japanese mood was against what was seen as irresponsible trips to a vicious war zone
Syria crisis: Celebrities call on David Cameron to take more refugees as one young mother tells of torture by Assad regime

Celebrities call on David Cameron to take more Syrian refugees

One young mother tells of torture by Assad regime
The enemy within: People who hear voices in their heads are being encouraged to talk back – with promising results

The enemy within

People who hear voices in their heads are being encouraged to talk back
'In Auschwitz you got used to anything'

'In Auschwitz you got used to anything'

Survivors of the Nazi concentration camp remember its horror, 70 years on
Autumn/winter menswear 2015: The uniforms that make up modern life come to the fore

Autumn/winter menswear 2015

The uniforms that make up modern life come to the fore
'I'm gay, and plan to fight military homophobia'

'I'm gay, and plan to fight military homophobia'

Army general planning to come out
Iraq invasion 2003: The bloody warnings six wise men gave to Tony Blair as he prepared to launch poorly planned campaign

What the six wise men told Tony Blair

Months before the invasion of Iraq in 2003, experts sought to warn the PM about his plans. Here, four of them recall that day
25 years of The Independent on Sunday: The stories, the writers and the changes over the last quarter of a century

25 years of The Independent on Sunday

The stories, the writers and the changes over the last quarter of a century
Homeless Veterans appeal: 'Really caring is a dangerous emotion in this kind of work'

Homeless Veterans appeal

As head of The Soldiers' Charity, Martin Rutledge has to temper compassion with realism. He tells Chris Green how his Army career prepared him
Wu-Tang Clan and The Sexual Objects offer fans a chance to own the only copies of their latest albums

Smash hit go under the hammer

It's nice to pick up a new record once in a while, but the purchasers of two latest releases can go a step further - by buying the only copy
Geeks who rocked the world: Documentary looks back at origins of the computer-games industry

The geeks who rocked the world

A new documentary looks back at origins of the computer-games industry
Belle & Sebastian interview: Stuart Murdoch reveals how the band is taking a new direction

Belle & Sebastian is taking a new direction

Twenty years ago, Belle & Sebastian was a fey indie band from Glasgow. It still is – except today, as prime mover Stuart Murdoch admits, it has a global cult following, from Hollywood to South Korea