The crackdown on charges

The FCA have revealed plans that will force banks to cut down interest on credit cards and overdrafts to help borrowers that are having difficulties repaying their outstanding balances. Always fighting for fairness, the FCA believe that some high street lenders have been acting on the edge of responsibility and imposing charges that put customers …

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Contactless fraud: know your stuff

Unless you’ve been a victim of fraud, you may not be aware that contactless cards can still be used months after they’ve been cancelled. There have been reports from customers having spotted fraudulent payments on their accounts, even after they have reported a card lost or stolen. As this type of crime only accounts for 0.5% …

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How Brexit will affect your finances

No matter how you feel about it, Brexit will have an effect on your lifestyle and your day-to-day life. Despite reports that we were going to fall into a post-Brexit recession, the economy actually grew in the final quarter of last year by 0.7% and consumer spending has been on the increase, as has customer …

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How to stop spam texts and emails

Whether it be to your phone or your inbox there is nothing more annoying than receiving spam. However, there are a number of steps you can take to reduce the amount that you’re receiving stop these companies contacting you.
Getting rid of: Spam text messages
Legitimate marketing texts will come from a specific company and …

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All about smart meters

Adding to the long list of disappointments from energy suppliers is the recent confusion over smart meters. Both the big six and other smaller firms had made a pledge to sort out their billing so that households with smart meters weren’t hit with large unexpected bills, however, almost all of them have failed to meet …

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Bank holiday spending

Christmas is now a distant memory and the shops are now about Easter – but good news, it’s the next bank holiday of 2017. The long weekend between the 14th and 17th April is a chance to catch up with friends, celebrate the time of year and have a break to enjoy yourself. Preparation is …

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Dealing with delivery problems

With Mother’s Day around the corner, you may have been searching for the perfect gift online. If you’ve left it until the last minute you might have even splurged on faster delivery – but what happens if the package never arrives?
Has it been delivered somewhere else?
Many companies will provide you with tracking information …

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Know your stuff: inflation and dining out

This week Visa reported that despite the fact that inflation could be on the rise, it’s not stopping consumers from enjoying entertainment outside the house. Last month, customers spent 1.5% more in February than the previous year, showing that the increase in prices hasn’t stopped them from enjoying themselves.
Restaurants and bars have seen the …

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How to fix your credit file

You may already know how important your credit file is when you’re applying for finance. Your credit file is automatically updated as time progresses, but did you know that the smallest mistake could cost you?
Even if you’re not looking for borrowed finance at the moment, you should always make sure that your credit file …

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What is AER? A simple explanation

What is AER?
AER stands for the annual equivalent rate. AER is displayed as a percentage and illustrates the interest that you would earn if you kept your money in a particular account for a full year.
Why AER matters?
AER is designed to make comparing saving accounts as simple as possible. Unlike the annual …

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