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…
I have been using ClearScore for several years as a way to check my credit report for free, so I thought it would be worth sharing my experience. I briefly mentioned ClearScore in my article about where to get a free credit report, but in this post, I wanted to go into a bit more…
In this post I am sharing my experience with a car finance provider called Carmoola. I used them to refinance an existing car loan and wanted to see if I could reduce the interest rate I was paying. I first came across Carmoola through Experian and decided to visit their website to see what they…
As of March 2026, my total debt sits at just under £40,000. Most of this debt is now being repaid through a self-managed Debt Management Plan, where I make monthly payments directly to creditors or the debt collection agencies managing the accounts. Here is a full breakdown of the debts I am currently repaying. Current Debt…
Realising that you are in debt can feel overwhelming. For many people, the hardest part is not the repayments or the budgeting. The hardest part is simply admitting that the situation exists and deciding to deal with it. Debt has a strange way of creeping up slowly. One credit card becomes two, a loan fills…