Before You Open a Joint Account: Financial Association and Credit Risk
Opening a joint bank account creates a financial association between both account holders on credit files. One person's poor credit behaviour can affect th
Before You Switch Bank Accounts: What the CASS Guarantee Does Not Cover
The Current Account Switch Service guarantees to move payments and direct debits within 7 working days and redirects payments to your old account for 3 yea
UK Financial Complaints Statistics: FOS Data 2025/26
FOS received 214,600 complaints in 2025/26. Hire purchase (motor) led at 37,700 cases; current accounts and credit cards followed. Uphold rate fell to 30%. All data sourced directly from Financial Ombudsman Service quarterly and annual releases.
How to Complain to the Financial Ombudsman Service: Step-by-Step Guide
The Financial Ombudsman Service resolves disputes between consumers and regulated financial firms free of charge. This guide covers the 8-week rule, time limits, how to frame a winning case, and what the 2026 FOS reforms change for consumers.
Monevium Ltd Enters Special Administration: What Customers Must Do Before 13 August 2026
Monevium Ltd, an FCA-authorised payment services firm offering EUR IBAN accounts and SEPA transfers, entered special administration on 18 June 2026. S&W Partners LLP are the joint special administrators. Customers must submit claims before 13 August 2026 to be included in the initial fund distributi
BNPL Regulation Starts 15 July 2026: Your Complete Guide to New Buy Now Pay Later Consumer Rights
Buy Now Pay Later becomes a regulated financial product under the FCA from 15 July 2026. For the first time, 10.9 million UK BNPL users gain affordability checks, Section 75 protection on purchases over £100, Financial Ombudsman access, and support rights if they fall behind. Here is what changes, w
DWP Bank Account Deductions for Benefit Debt: How the PAFER Act Powers Work
Under the Public Authorities (Fraud, Error and Recovery) Act 2025, the DWP can now access bank accounts to recover benefit overpayments and fraud debt without a court order. Here is how the powers operate and what safeguards apply.
DWP Can Now Ban Drivers Over Unpaid Benefit Debt Under New PAFER Act Powers
The DWP has new powers under the Public Authorities (Fraud, Error and Recovery) Act 2025 to seek driving disqualifications and make direct bank deductions from people who owe benefit debt and refuse to repay.
Consumer Credit Act Reform 2026: What the Overhaul Means for Credit Cards, Loans and Borrowers
The 50-year-old Consumer Credit Act 1974 is being replaced under the Financial Services and Markets Bill 2026. Section 75 stays. Unenforceability sanctions go. What changes and when for borrowers.
Lloyds Bank Branch Closures 2026: Full UK List and Your Alternatives
Lloyds Banking Group is closing 245 branches across Lloyds, Halifax and Bank of Scotland in 2026 and 2027. Here is the full picture, key dates, and what to do if your local branch is shutting.
Keir Starmer Resigns: What It Means for Your Money in 2026
Keir Starmer has announced his resignation as UK Prime Minister. Here is what the leadership change could mean for mortgages, taxes, energy bills and household finances.
Bank Branch Closures UK: Your Rights Explained
Since September 2024, banks must complete a LINK-run impact assessment before closing any branch. This guide covers the FCA rules under FSMA 2023, banking hub rollout, and what residents and customers can do.
How to Cash In Premium Bonds UK 2026
How to cash in premium bonds in 2026: NS&I online, app, phone and post. How long it takes, partial withdrawals and what happens to unclaimed prizes.
Premium Bonds vs ISA UK 2026: Which Is Better for Your Savings?
Premium bonds vs ISA UK 2026: how the two compare on returns, tax efficiency, access, risk and suitability for different savers.
Premium Bonds Prize Rates UK 2026
Premium bonds prize rates in 2026: the annual prize fund rate, prize distribution across bands, odds of winning and how NS&I sets the rate.
How to Buy Premium Bonds UK 2026
How to buy premium bonds in 2026: NS&I online, app, phone and post. Minimum purchase 25 pounds, maximum holding 50,000 pounds. Eligibility rules explained.
How to Check Premium Bonds UK 2026
How to check if your premium bonds have won a prize in 2026: the NS&I prize checker tool, by post, phone and the ERNIE draw explained.
Building Your Credit Score After University: A Practical 2026 Guide
How to build a UK credit score after graduating: how credit files work, what lenders look at, and the steps that help a thin file grow safely.
Best Graduate Bank Accounts UK 2026: Every Provider Compared
Every UK graduate bank account compared for 2026: who can apply, the interest-free overdraft, whether it tapers, and what happens after the graduate term.
Compare Asset Finance Lenders UK 2026: 8 Providers Rated on Rates, Eligibility and Products
Independent comparison of 8 UK asset finance lenders in 2026. Loan ranges, eligibility, products and decision speed compared. FCA FRN verified. No commission.
Asset Finance Scotland 2026: Independent Guide for Scottish Businesses
Asset finance for Scottish businesses in 2026. How to fund plant, machinery and vehicles across Scotland. FCA lenders compared independently. No commission.
Business Vehicle Finance UK 2026: Fund Cars, Vans and Commercial Vehicles
Business vehicle finance for UK companies in 2026. Fund cars, vans, HGVs and commercial vehicles via hire purchase, finance lease or contract hire. FCA lenders compared. No commission.
Agricultural Machinery Finance UK 2026: Fund Farm Equipment Independently
How agricultural machinery finance works for UK farmers in 2026. Fund tractors, combines, sprayers and farm equipment via hire purchase or finance lease. FCA lenders compared independently.
Forklift Finance UK 2026: Fund New and Used Forklift Trucks Independently
How forklift finance works for UK businesses in 2026. Fund new and used forklift trucks via hire purchase, finance lease or operating lease. FCA lenders compared independently.
Tractor Finance UK 2026: How to Fund New and Used Agricultural Tractors
How tractor finance works for UK farmers in 2026. Fund new and used tractors via hire purchase or finance lease. FCA-regulated lenders compared. No commission.
Asset Refinance UK 2026: Release Capital from Assets You Already Own
How asset refinance works for UK businesses in 2026. Release capital from plant, machinery and vehicles you already own via refinance or sale and leaseback. FCA lenders compared.
Equipment Finance UK 2026: How to Fund Business Equipment Independently
Equipment finance for UK businesses in 2026. Fund IT, machinery, vehicles and business equipment via hire purchase or finance lease. FCA-regulated lenders compared independently.
What is Asset Finance? The UK Business Guide for 2026
What asset finance is and how it works for UK businesses in 2026. Hire purchase, finance lease and operating lease explained with FCA regulation and lender options.
Construction Asset Finance UK 2026: Plant, Machinery and Equipment Funding
Construction asset finance for UK businesses in 2026. Fund excavators, cranes and plant equipment via hire purchase or finance lease. FCA-regulated lenders compared independently.
Machinery Finance UK 2026: How to Fund Plant and Industrial Equipment
How machinery finance works for UK businesses in 2026. Hire purchase, finance lease and refinance for plant, agricultural and industrial equipment explained.