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 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
FootballGerman sparks three goals in four minutes at favourite No 10 role
Dennis Rodman has confirmed he is not going to the Middle East to 'talk to with the leaders of Isis' as claimed in a recent satirical report
Radamel Falcao was forced to withdraw from the World Cup after undergoing surgery
premier leagueExclusive: Reds have agreement with Monaco
Rumer was diagnosed with bipolarity, attention deficit hyperactivity disorder and post-traumatic stress disorder: 'I was convinced it was a misdiagnosis'
peopleHer debut album caused her post-traumatic stress - how will she cope as she releases her third record?
Arts and Entertainment
'New Tricks' star Dennis Waterman is departing from the show after he completes filming on two more episodes
tvOnly remaining original cast-member to leave long-running series
Life and Style
Couples have been having sex less in 2014, according to a new survey
Holly's review of Peterborough's Pizza Express quickly went viral on social media
Arts and Entertainment
musicBiographer Hunter Davies has collected nearly a hundred original manuscripts
A long jumper competes in the 80-to-84-year-old age division at the 2007 World Masters Championships
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Languedoc Roussillon
Marrakesh & the Atlas Mountains
The Jura Mountains
Dubrovnik & the Dalmatian Coast
Prices correct as of 17 September 2014
Scottish referendum: The Yes vote was the love that dared speak its name, but it was not to be

Despite the result, this is the end of the status quo

Boyd Tonkin on the fall-out from the Scottish referendum
Manolo Blahnik: The high priest of heels talks flats, Englishness, and why he loves Mary Beard

Manolo Blahnik: Flats, Englishness, and Mary Beard

The shoe designer who has been dubbed 'the patron saint of the stiletto'
The Beatles biographer reveals exclusive original manuscripts of some of the best pop songs ever written

Scrambled eggs and LSD

Behind The Beatles' lyrics - thanks to Hunter Davis's original manuscript copies
'Normcore' fashion: Blending in is the new standing out in latest catwalk non-trend

'Normcore': Blending in is the new standing out

Just when fashion was in grave danger of running out of trends, it only went and invented the non-trend. Rebecca Gonsalves investigates
Dance’s new leading ladies fight back: How female vocalists are now writing their own hits

New leading ladies of dance fight back

How female vocalists are now writing their own hits
Mystery of the Ground Zero wedding photo

A shot in the dark

Mystery of the wedding photo from Ground Zero
His life, the universe and everything

His life, the universe and everything

New biography sheds light on comic genius of Douglas Adams
Save us from small screen superheroes

Save us from small screen superheroes

Shows like Agents of S.H.I.E.L.D are little more than marketing tools
Reach for the skies

Reach for the skies

From pools to football pitches, rooftop living is looking up
These are the 12 best hotel spas in the UK

12 best hotel spas in the UK

Some hotels go all out on facilities; others stand out for the sheer quality of treatments
These Iranian-controlled Shia militias used to specialise in killing American soldiers. Now they are fighting Isis, backed up by US airstrikes

Widespread fear of Isis is producing strange bedfellows

Iranian-controlled Shia militias that used to kill American soldiers are now fighting Isis, helped by US airstrikes
Topshop goes part Athena poster, part last spring Prada

Topshop goes part Athena poster, part last spring Prada

Shoppers don't come to Topshop for the unique
How to make a Lego masterpiece

How to make a Lego masterpiece

Toy breaks out of the nursery and heads for the gallery
Meet the ‘Endies’ – city dwellers who are too poor to have fun

Meet the ‘Endies’ – city dwellers who are too poor to have fun

Urbanites are cursed with an acronym pointing to Employed but No Disposable Income or Savings
Paisley’s decision to make peace with IRA enemies might remind the Arabs of Sadat

Ian Paisley’s decision to make peace with his IRA enemies

His Save Ulster from Sodomy campaign would surely have been supported by many a Sunni imam