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Banking
ISA allowance

From 1st July 2014, ISAs are changing; cash ISAs and stocks & shares ISAs will remain as separate accounts, but they will fall under an over-arcing single named account called “NISA” or New ISA. If you have already subscribed to a cash ISA or stocks & shares ISA since 6 April 2014,... 

Zopa Review

Table of Contents Zopa for Savers Selecting a Market Finding a Borrower What are the Restrictions? Can I Withdraw My Money Sooner? How Much are the Fees? What are the Risks? Zopa for Borrowers Applying for a Loan How Flexible are Loans from Zopa? What if I Default on my Loan? With people looking... 

Peer to peer lending services aim to link up those in need of funds with people looking to make an investment. Some peer to peer lenders supply loans to individuals whereas others focus on helping small businesses acquire credit. Though all lenders have their own rules, regulations and procedures, the... 

ISAs have long been the savings account of choice for smart savers looking to earn tax-free interest on their capital. In November 2011 the government will launch Junior ISAs, a new form of saving account for children under the age of 18, allowing parents to put money aside for their children’s future... 

Insurance
Life Insurance Advice

Although it’s not something any of us like to dwell on, there will inevitably come a time when you can’t be there to provide for your loved ones. Taking the time to make sure arrangements are in place to ensure they’ll be provided for once you’ve gone can provide you with peace of mind and assure... 

car insurance costs

Though prices have fallen in recent years, car insurance is still a real drain on finances, and it has often been suggested that the industry offers consumers pretty poor value for money. Seeing as the competition between insurers isn’t providing us with the most spectacular of deals, we need to... 

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What is Indemnity Insurance? We all know that being a homeowner comes with a lot of responsibilities, from making your mortgage payments, to keeping your property in good repair. However, sometimes when buying a home it’s possible that you might be taking on responsibility for more than you bargained... 

Credit

If you own a property, either outright or with a small outstanding mortgage, you have a built up a store of equity that can be released to provide a lump sum, ongoing income, or both. This guide will aim to answer all of your burning questions regarding equity release starting from the basics and progressing... 

debt relief order

A debt relief order (or DRO) could provide a path out of severe financial difficulties for people who find themselves with limited options. Like an IVA or bankruptcy, a DRO is a form of insolvency, but, in certain scenarios, it could work out as a cheaper way out of debt than either of those paths. To... 

Depending on your circumstances, bankruptcy can be, not only the quickest, but also the most cost effective way to tackle the burden of debts you can’t repay. As you can see a large portion of your outstanding debts written off in the space of just a year, bankruptcy is sometimes, financially speaking,... 

IVA or bankruptcy

Recent years have seen a dramatic rise in the number of insolvency practitioners who include individual voluntary arrangements amongst their services, with IVAs fast becoming seen as a preferable option to bankruptcy for those with debts in excess of £15,000 who find themselves faced with the prospect... 

Living on benefits is never easy. Planning your life around the schedule of your benefit payments is inconvenient at the best of the times. Often it’s completely impossible. It’s a fact of life that, inevitably, we all meet with unexpected expenses from time to time. If this happens in-between... 

Table of Contents Borrowing From a Credit Union Standard Payday Loans Cheque Based Payday Loans Logbook Loans Pawnbrokers It happens to the best of us and it is certainly nothing to be ashamed of but when you are facing a bit of a cash crisis, where should you turn to get the best deal on a short term... 

Investments

As a young person, unless you have progressed to the higher pay echelons quickly, you will have a limited amount of money left over each month after paying the typical expenses such as rent, food, utilities and travel. Despite this, you are being given messages about the importance of both getting on... 

Cash In Pension

This is a very in-depth look at the ways that you might be able to cash in some or all of your pension, but it is quite a technical subject which is why we always recommend that you seek independent, expert advice before doing anything. There are lots of companies that might offer help, but, if you... 

With things looking tougher than ever for young people struggling to become financially independent, setting some funds aside for your grandchildren’s future could help make a real difference. When it comes to selecting a method of growing your capital, grandparents are somewhat spoiled for choice.... 

Getting on to the property ladder is now spectacularly difficult. Indeed, according to recent research the combination of high house prices, stagnant wages, the spiralling cost of living and the minuscule interest rates offered on savings means that it takes most people close to a decade to save the... 

With life expectancies continually rising there are fears that many of us are not setting enough to see us through our post-retirement lives. To try and ensure that people won’t come to the end of their careers with insufficient savings to get by, the government are introducing auto-enrolment pensions.... 

Reclaim
how to know if you're owed PPI

Table of Contents What Is PPI? Who Can Make A Claim? How Long Does A PPI Claim Take? Should I Go It Alone? As the total compensation figure for mis-sold PPI cover tops £13 billion; millions of UK households are reaping the benefits of digging out their paperwork and making a claim. What is PPI? PPI... 

contest a parking ticket

It’s the end of the month. You’re looking like you’ll just about scrape through to your next payday with all your bills paid on time, just so long as nothing unexpected comes up. Thanks to the cruel way the universe works this is invariably the exact time that you’ll find yourself... 

Whilst certainly not as easy as it once was, it’s still possible to reclaim substantial amounts of money you may have paid in unfair bank charges, such as penalties for exceeding your overdraft limit or bounced cheques – especially if you’re suffering with financial hardship. The reclaiming... 

whiplash injury compensation

Table of Contents What Counts as Whiplash? How Much Will I Receive? How do I go About Claiming Compensation? Making a claim for whiplash compensation isn’t always as easy as the popular media lead us to believe. There’s a wide range of things you should know before embarking on a claim, from how...