If you have several debts and feel like you are getting nowhere, the debt snowball method is one way to organise your repayments and start making visible progress. The idea is simple: you focus on clearing one debt at a time, starting with the smallest balance. As each debt disappears, the money you were paying…
If you’ve ever wondered how a resolved complaint can somehow become unresolved again… here’s a perfect example. Background I previously raised a complaint with Lloyds Bank about the way a default was being reported on my credit file. The issue was simple in principle: The default date was wrong It was being reported inconsistently across…
If you have bad credit, borrowing money usually becomes far more expensive. This is something many people discover the hard way. A lot of personal finance articles talk about simple solutions like transferring debt to a 0% credit card or taking out a low-interest consolidation loan. While these options can work for people with good…
In recent years a new type of credit has become extremely popular in the UK: Buy Now, Pay Later (BNPL) services such as Pay in 30 and Pay in 3. These products are offered by companies like Klarna, Clearpay and PayPal. At first glance they appear harmless. You buy something today and either: Pay the…
When you receive your credit card statement each month you will usually see three key figures: Statement balance – the total amount you owe Minimum payment – the smallest amount the lender will accept this month Payment due date – the date the payment is due by Many people assume that if the lender says the…
In January 2026 I submitted a formal complaint to Onmo about my credit card account. The complaint covered two main areas: Whether the credit was affordable when it was approved A series of operational issues, including payment notifications and confusing app information Recently I received their final response. In this post I’m going to break…