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

Mortgage Clinic: The concept of the £10 mortgage

'I'm in the fortunate position of being able to pay off my mortgage early. However, my building society has suggested that I keep a nominal £10 balance on the account, on which it will not charge interest. It would keep the deeds for me, and give me the option of drawing down a loan in future. What are the pros and cons of this idea?' Mike Epstein, via email

Borrowing: You don't owe a penny but they're after you

Sue Hayward reports on why innocent people are targeted over loans gone bad, and shows how to stand up to the debt collectors

Price site shake-out

As Experian puts pricegrabber.co.uk up for sale, analysts believe the market for price comparison websites may now be too crowded for all of them to survive. By Karen Attwood

The Week In Review: Desperate dogs will eat anything

The stock market is starting to behave like an ill-treated dog. Ignore it, then throw it a bone and it will lick you all over – as in its enthusiastic reaction to a by no means exuberant trading statement from Character Group, the toys, gifts and games group.

Assassination: The night Bobby Kennedy was shot

After the deaths of JFK and Martin Luther King, he was America's great hope. Then Bobby was murdered too. As a new film tells his story, Liz Hoggard explores how history was changed at the Ambassador Hotel

Deborah Orr: The difference between migrants and Britons is a difference in expectation

A lot of people find it hard that their sense of identity is tied to the night shift at Little Chef

O'Sullivan optimistic as Irish look for first win in New Zealand

Ireland have never won in New Zealand - they have played there only five times, perhaps because one draw and 12 losses at home have rather put them off the idea - but their coach, Eddie O'Sullivan, was in an oddly optimistic mood as he previewed today's first Test of two, in Hamilton.

Coach says 'time for England to play with style'

There is a supreme confidence in Sven Goran Eriksson's approach to a World Cup that will define his reputation as England manager and it emanates from the finest squad he has had at his disposal during five years in the "impossible job". With one notable exception, his theory can be put to an instant test this afternoon, as the Swede was last night insistent that Steven Gerrard would be fit for England's opening game with Paraguay.

Market whispers

Off-licence chain Unwins might have been keen to sell up - but apparently no one felt the same about buying it. When the family-controlled retailer put itself up for sale last year, DM Private Equity and Oddbins owner Castel were both interested. But the family has now run out of patience with the slow rate of progress and lack of bids - and so has agreed an estimated pounds 32m leaseback deal instead. Those sale hopes have not been abandoned, though. As an insider at the chiller cabinet concedes: "If someone turned up with a big bag of cash tomorrow, I don't think it would be turned down."

GUS profits rise despite Argos setback

The High street's festive woes caught up with GUS yesterday, which revealed that underlying sales at Argos, the catalogue retailer, had slowed sharply.

The Investment Column: It's pricey but GUS still has upside

It's worth sticking with Whittard of Chelsea; Recovering Incepta is worth holding on to

Fight to cut identity frauds

'Be careful how you dispose of unwanted post, says Barbara Oaff. It could cost you
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Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
Minoan Crete and Santorini
Prices correct as of 17 April 2015
General Election 2015: Chuka Umunna on the benefits of immigration, humility – and his leader Ed Miliband

Chuka Umunna: A virus of racism runs through Ukip

The shadow business secretary on the benefits of immigration, humility – and his leader Ed Miliband
Yemen crisis: This exotic war will soon become Europe's problem

Yemen's exotic war will soon affect Europe

Terrorism and boatloads of desperate migrants will be the outcome of the Saudi air campaign, says Patrick Cockburn
Marginal Streets project aims to document voters in the run-up to the General Election

Marginal Streets project documents voters

Independent photographers Joseph Fox and Orlando Gili are uploading two portraits of constituents to their website for each day of the campaign
Game of Thrones: Visit the real-life kingdom of Westeros to see where violent history ends and telly tourism begins

The real-life kingdom of Westeros

Is there something a little uncomfortable about Game of Thrones shooting in Northern Ireland?
How to survive a social-media mauling, by the tough women of Twitter

How to survive a Twitter mauling

Mary Beard, Caroline Criado-Perez, Louise Mensch, Bunny La Roche and Courtney Barrasford reveal how to trounce the trolls
Gallipoli centenary: At dawn, the young remember the young who perished in one of the First World War's bloodiest battles

At dawn, the young remember the young

A century ago, soldiers of the Empire – many no more than boys – spilt on to Gallipoli’s beaches. On this 100th Anzac Day, there are personal, poetic tributes to their sacrifice
Dissent is slowly building against the billions spent on presidential campaigns – even among politicians themselves

Follow the money as never before

Dissent is slowly building against the billions spent on presidential campaigns – even among politicians themselves, reports Rupert Cornwell
Samuel West interview: The actor and director on austerity, unionisation, and not mentioning his famous parents

Samuel West interview

The actor and director on austerity, unionisation, and not mentioning his famous parents
General Election 2015: Imagine if the leading political parties were fashion labels

Imagine if the leading political parties were fashion labels

Fashion editor, Alexander Fury, on what the leaders' appearances tell us about them
Phumzile Mlambo-Ngcuka: Home can be the unsafest place for women

Phumzile Mlambo-Ngcuka: Home can be the unsafest place for women

The architect of the HeForShe movement and head of UN Women on the world's failure to combat domestic violence
Public relations as 'art'? Surely not

Confessions of a former PR man

The 'art' of public relations is being celebrated by the V&A museum, triggering some happy memories for DJ Taylor
Bill Granger recipes: Our chef succumbs to his sugar cravings with super-luxurious sweet treats

Bill Granger's luxurious sweet treats

Our chef loves to stop for 30 minutes to catch up on the day's gossip, while nibbling on something sweet
London Marathon 2015: Paula Radcliffe and the mother of all goodbyes

The mother of all goodbyes

Paula Radcliffe's farewell to the London Marathon will be a family affair
Everton vs Manchester United: Steven Naismith demands 'better' if Toffees are to upset the odds against United

Steven Naismith: 'We know we must do better'

The Everton forward explains the reasons behind club's decline this season
Arsenal vs Chelsea: Praise to Arsene Wenger for having the courage of his convictions

Michael Calvin's Last Word

Praise to Wenger for having the courage of his convictions