Many people assume that if they were approved for a credit card, the lender must have decided it was affordable. Unfortunately, that isn’t always the case. In the UK, lenders are required to check that credit is affordable and sustainable before approving an application. If those checks were not carried out properly, you may be…
When you are trying to rebuild your finances after years of debt problems, one of the most important things you can do is monitor how lenders treat you. Sometimes that means challenging decisions that simply do not make sense. Unfortunately, that is exactly what happened with my Onmo credit card, which ultimately led me to…
One of the most frustrating parts of dealing with debt isn’t always the debt itself. Sometimes it’s simply trying to get lenders to report the correct information. Recently I found myself having to raise two formal complaints, one with Lloyds Bank and another with Link Financial, about something that should have been resolved long ago….
I recently opened a credit card with Onmo and wanted to share my experience so far. This isn’t a technical product breakdown or an affiliate-style review. It’s simply what happened after opening the account and why it raised some concerns. Opening the Account I opened the Onmo credit card in August 2025 with an advertised…
Affordability complaints have become increasingly common in the UK, particularly where lenders rely heavily on automated credit checks. Recently, I raised an affordability complaint about a loan issued by Lendable. I’m sharing the experience here because it highlights how lending decisions are made, what can go wrong, and what your options are if you believe…
Debt repayment is rarely a straight line. If you look at social media or personal finance blogs, you’d think people wake up one day, make a budget, and magically clear £30,000 of debt in 18 months while drinking homemade smoothies and feeling spiritually fulfilled. Real life is messier than that. This post is a transparent…