News

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

Prepaid plastic is the new must-have for credit-crunch holidays

Travellers can avoid transaction costs, fluctuating exchange rates and overspending, with a bit of pre-break research.

Cattles shareholders face wipe-out after breach of bank covenants

Shareholders in Cattles could be wiped out after the sub-prime lender revealed it had breached its banking covenants and had suspended its finance director over accounting errors.

One blot on your credit record and you can forget about a mortgage

Bankruptcy could ruin your chances of getting a loan for the next 10 years, writes Laura Howard. Even neglecting to pay a phone bill could put lenders off

Rexam shares slide on S&P ratings cut

Rexam, the FTSE 100-listed drinking can maker, announced solid full-year 2008 results yesterday, saying that pre-tax profits were up £83m to £328m. But the share price fell by 10 per cent to 278.5p, a 12-month low, as the group said its focus this year would be on cash generation and cost-cutting.

Zopa takes up where the banks leave off

Julian Knight and Nargis Ahmad look at the site matching individual lenders and borrowers who recoil from high-street rates

How to make your credit cards pay

Britain's credit-card market is one of the most competitive in the world. Most cards have no annual fees, offer attractive interest-free introductory periods, and come with generous loyalty schemes. The downside is that they also charge hefty interest rates – typically between 15 and 20 per cent APR – meaning that they're an inefficient way of borrowing for any period of time.

Jeremy Warner: McDonald's has better credit rating than Britain

Outlook The market never lies. Britain is more likely to go bust than McDonald's and Coca-Cola, if spreads on "credit default swaps" (CDSs), which measure the cost of insuring debt against the risk of default, are anything to go by. As our graphic on page 37 shows, some time towards the end of September, or about the same time as Bradford & Bingley was nationalised, the cost of insuring British Government debt against default became more expensive than that of a number of leading American companies.

Beginner's guide to: Overdrafts

Now banks raise credit card costs

Banks have increased interest rates on credit and debit cards held by tens of millions of shoppers despite the cost of borrowing falling to its lowest level for more than 50 years, research for The Independent reveals today.

Meet the credit card that can cut the cost of your Christmas spree

Cashback deals could save you money, if you are smart. Nargis Ahmad and Julian Knight report

Summer camp beckons for mini-billionaires

Today's feckless, globe-trotting billionaires squander their fortunes in Hamptons' night-clubs, or St Tropez, or Court 13 of the Royal Courts of Justice. But for tomorrow's generation, the business of being rich – and staying that way – will require an awful lot more hard work.

B&B braced for damaging credit rating report

Bradford & Bingley was last night preparing for more bad news, with the rating agency Moody's set to cut the mortgage bank's credit rating, just days before a crucial shareholder vote.

How much would you pay to stop them stealing your ID?

For up to £60 a year, you can take up a service that alerts you to financial applications made in your name. Kate Hughes asks if it's worth it
News
The Banksy image in Folkestone before it was vandalised
people
Life and Style
tech

Sales of the tablet are set to fall again, say analysts

Sport
Louis van Gaal at the Hawthorns prior to Manchester United's game against West Brom
football

Follow the latest updates from the Monday night Premier League fixture

News
i100
News
Brian Harvey turned up at Downing Street today demanding to speak to the Prime Minister
news

Met Police confirm there was a 'minor disturbance' and no-one was arrested

Arts and Entertainment
George Lucas poses with a group of Star Wars-inspired Disney characters at Disney's Hollywood Studios in 2010
films

George Lucas criticises the major Hollywood film studios

Voices
Chris Grayling, Justice Secretary: 'There are pressures which we are facing but there is not a crisis'
voices

Does Chris Grayling realise what a vague concept he is dealing with?

Life and Style
A street vendor in Mexico City sells Dorilocos, which are topped with carrot, jimaca, cucumber, peanuts, pork rinds, spices and hot sauce
food + drink

Trend which requires crisps, a fork and a strong stomach is sweeping Mexico's streets

News
Blackpool is expected to become one of the first places to introduce the Government’s controversial new Public Space Protection Orders (PSPOs)
news

Concerns raised phenomenon is threatening resort's image as a family destination

Life and Style
gaming

I Am Bread could actually be a challenging and nuanced title

Career Services

Day In a Page

Independent Travel
Vietnam & Cambodia
Pompeii, Capri & the Bay of Naples
Bruges
India & Nepal
Japan
Berlin, Dresden, Meissen & Colditz
Prices correct as of 17 October 2014
Oscar Pistorius sentencing: The athlete's wealth and notoriety have provoked a long overdue debate on South African prisons

'They poured water on, then electrified me...'

If Oscar Pistorius is sent to jail, his experience will not be that of other inmates
James Wharton: The former Guard now fighting discrimination against gay soldiers

The former Guard now fighting discrimination against gay soldiers

Life after the Army has brought new battles for the LGBT activist James Wharton
Ebola in the US: Panic over the virus threatens to infect President Obama's midterms

Panic over Ebola threatens to infect the midterms

Just one person has died, yet November's elections may be affected by what Republicans call 'Obama's Katrina', says Rupert Cornwell
Premier League coaches join the RSC to swap the tricks of their trades

Darling, you were fabulous! But offside...

Premier League coaches are joining the RSC to learn acting skills, and in turn they will teach its actors to play football. Nick Clark finds out why
How to dress with authority: Kirsty Wark and Camila Batmanghelidjh discuss the changing role of fashion in women's workwear

How to dress with authority

Kirsty Wark and Camila Batmanghelidjh discuss the changing role of fashion in women's workwear
New book on Joy Division's Ian Curtis sheds new light on the life of the late singer

New book on Ian Curtis sheds fresh light on the life of the late singer

'Joy Division were making art... Ian was for real' says author Jon Savage
Sean Harris: A rare interview with British acting's secret weapon

Sean Harris: A rare interview with British acting's secret weapon

The Bafta-winner talks Hollywood, being branded a psycho, and how Barbra Streisand is his true inspiration
Tim Minchin, interview: The musician, comedian and world's favourite ginger is on scorching form

Tim Minchin interview

For a no-holds-barred comedian who is scathing about woolly thinking and oppressive religiosity, he is surprisingly gentle in person
Boris Johnson's boozing won't win the puritan vote

Boris's boozing won't win the puritan vote

Many of us Brits still disapprove of conspicuous consumption – it's the way we were raised, says DJ Taylor
Ash frontman Tim Wheeler reveals how he came to terms with his father's dementia

Tim Wheeler: Alzheimer's, memories and my dad

Wheeler's dad suffered from Alzheimer's for three years. When he died, there was only one way the Ash frontman knew how to respond: with a heartfelt solo album
Hugh Bonneville & Peter James: 'Peter loves his classic cars; I've always pootled along fine with a Mini Metro. I think I lack his panache'

How We Met: Hugh Bonneville & Peter James

'Peter loves his classic cars; I've always pootled along fine with a Mini Metro. I think I lack his panache'
Bill Granger recipes: Our chef's heavenly crab dishes don't need hours of preparation

Bill Granger's heavenly crab recipes

Scared off by the strain of shelling a crab? Let a fishmonger do the hard work so you can focus on getting the flavours right
Radamel Falcao: How faith and love drive the Colombian to glory

Radamel Falcao: How faith and love drive the Colombian to glory

After a remarkable conversion from reckless defender to prolific striker, Monaco's ace says he wants to make his loan deal at Old Trafford permanent
Terry Venables: Premier League managers must not be allowed to dictate who plays and who does not play for England

Terry Venables column

Premier League managers must not be allowed to dictate who plays and who does not play for England
The Inside Word: Brendan Rodgers looks to the future while Roy Hodgson is ghost of seasons past

Michael Calvin's Inside Word

Brendan Rodgers looks to the future while Roy Hodgson is ghost of seasons past