News

It’s about this time of year when the shops start showing the first signs of Christmas on the way – and for many of us, that can mean a familiar sinking feeling as we wonder where we’re going to get the money from to cover all the presents, parties and…

If you saw our recent post about credit score myths, you’ll know that you don’t actually have just one universal credit score. In fact, lenders will have their own different scoring criteria for each of their products. Of course, there are things you can do to ensure that when you…

If you’ve ever applied for credit, whether it’s a mortgage, credit card, loan or even a store card, then there’s a very good chance that the company you were applying to, did a credit search on you. This simply means that they’re checking your credit history to see if you’re…

The FCA describes a vulnerable consumer as somebody who, due to their personal circumstances, is especially susceptible to harm, particularly when a firm is not acting with appropriate levels of care. There are many reasons a person may be vulnerable. These may be related to health, capability, resilience, or the…

There are a number of reasons why someone may find themselves unable to manage their own money. They may have a condition such as autism or downs syndrome which makes it very difficult or they may have an illness like dementia or Alzheimer’s. In these situations, it’s important that people…

Losing your job can be an extremely stressful time, especially if it happens unexpectedly. It can often leave individuals and families with a significant drop in income and a sudden inability to pay their bills. The good news is, there are steps that you can take to help you to…

The Vulnerability Registration Service (VRS) provides vulnerable consumers with a way of sharing information on their circumstances with companies they have dealings with. People can choose to be pre-declined for credit applications – or, if they prefer, they can simply make companies aware of their circumstances, so that these can…

Most of us have something we’re saving for, whether it be our first (or next) home, a dream holiday or just that jacket we saw the other day. The problem is, saving money is difficult and often takes a lot longer than we’d like it to (or than it needs…

We're both proud and excited to share the news that we are collaborating with Cifas to host vulnerable consumers currently included in the Cifas Protecting the Vulnerable scheme on the VRS register. Cifas COO, Richard Freedman has said 'The Vulnerability Registration Service is singularly focussed on supporting the vulnerability agenda…

People are experiencing and dealing with the current coronavirus crisis in different ways. For many, it has resulted in financial strain and for a lot of people, there has also been an emotional and mental toll. For anyone who has a tendency towards emotional spending, this is a dangerous time…