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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Tim Vine has won the funniest joke award at the Edinburgh Festival 2014
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Burgundy, the River Rhone & Provence – MS Swiss Corona - seven nights from £999pp
Lake Maggiore, Orta and the Matterhorn – seven nights from £899pp
Sicily – seven nights from £939pp
Pompeii, Capri and the Bay of Naples - seven nights from £799pp
Istanbul Ephesus & Troy – six nights from £859pp
Mary Rose – two nights from £319pp
Ferguson: In the heartlands of America, a descent into madness

A descent into madness in America's heartlands

David Usborne arrived in Ferguson, Missouri to be greeted by a scene more redolent of Gaza and Afghanistan
BBC’s filming of raid at Sir Cliff’s home ‘may be result of corruption’

BBC faces corruption allegation over its Sir Cliff police raid coverage

Reporter’s relationship with police under scrutiny as DG is summoned by MPs to explain extensive live broadcast of swoop on singer’s home
Lauded therapist Harley Mille still in limbo as battle to stay in Britain drags on

Lauded therapist still in limbo as battle to stay in Britain drags on

Australian Harley Miller is as frustrated by court delays as she is with the idiosyncrasies of immigration law
Lewis Fry Richardson's weather forecasts changed the world. But could his predictions of war do the same?

Lewis Fry Richardson's weather forecasts changed the world...

But could his predictions of war do the same?
Kate Bush asks fans not to take photos at her London gigs: 'I want to have contact with the audience, not iPhones'

'I want to have contact with the audience, not iPhones'

Kate Bush asks fans not to take photos at her London gigs
Under-35s have rated gardening in their top five favourite leisure activities, but why?

Young at hort

Under-35s have rated gardening in their top five favourite leisure activities. But why are so many people are swapping sweaty clubs for leafy shrubs?
Tim Vine, winner of the Funniest Joke of the Fringe award: 'making a quip as funny as possible is an art'

Beyond a joke

Tim Vine, winner of the Funniest Joke of the Fringe award, has nigh-on 200 in his act. So how are they conceived?
The late Peter O'Toole shines in 'Katherine of Alexandria' despite illness

The late Peter O'Toole shines in 'Katherine of Alexandria' despite illness

Sadly though, the Lawrence of Arabia star is not around to lend his own critique
Wicken Fen in Cambridgeshire: The joy of camping in a wetland nature reserve and sleeping under the stars

A wild night out

Wicken Fen in Cambridgeshire offers a rare chance to camp in a wetland nature reserve
Comic Sans for Cancer exhibition: It’s the font that’s openly ridiculed for its jaunty style, but figures of fun have their fans

Comic Sans for Cancer exhibition

It’s the font that’s openly ridiculed for its jaunty style, but figures of fun have their fans
Besiktas vs Arsenal: Five things we learnt from the Champions League first-leg tie

Besiktas vs Arsenal

Five things we learnt from the Champions League first-leg tie
Rory McIlroy a smash hit on the US talk show circuit

Rory McIlroy a smash hit on the US talk show circuit

As the Northern Irishman prepares for the Barclays, he finds time to appear on TV in the States, where he’s now such a global superstar that he needs no introduction
Boy racer Max Verstappen stays relaxed over step up to Formula One

Boy racer Max Verstappen stays relaxed over step up to F1

The 16-year-old will become the sport’s youngest-ever driver when he makes his debut for Toro Rosso next season
Fear brings the enemies of Isis together at last

Fear brings the enemies of Isis together at last

But belated attempts to unite will be to no avail if the Sunni caliphate remains strong in Syria, says Patrick Cockburn
Charlie Gilmour: 'I wondered if I would end up killing myself in jail'

Charlie Gilmour: 'I wondered if I'd end up killing myself in jail'

Following last week's report on prison suicides, the former inmate asks how much progress we have made in the 50 years since the abolition of capital punishment