If you’ve ever had to deal with incorrect information on your credit file, you’ll know how frustrating it can be. What’s worse is when the issue has already been investigated, a resolution agreed, and yet the errors continue anyway. That’s exactly what happened in my case with Lloyds Bank. I wrote about my complaint to…
Affordability complaints are often misunderstood. A lot of people assume that if a lender checked your income and ran a credit check, then the lending must have been responsible. I used to think that too. But my experience with Lendable shows why that isn’t always the case. The Loan In April 2025, I took out…
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…