• Cards & loans

    I think my mother was owed PPI compensation when she died, can I make a claim on her behalf?

    My mother passed in 2014 and likely could have claimed for PPI from multiple credit cards. Could I make a claim on her behalf? PPI compensation: Can you submit claims on behalf of a late relative?Gareth Shaw, money expert at consumer rights group Which?, replies: Yes, a claim certainly can be made for Payment Protection Insurance that had previously been mis-sold to a deceased relative, as an assessment of whether they were mis-sold to will still have to be made.The claim will need to be handled by the executor of the deceased s estate. You will need all of the ...

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  • Cards & loans

    Get something back from your spending: Six of the best reward credit cards that pay you to shop

    If you are sensible about clearing your credit card debt each month there are a handful of cards on the market that could reward your effort.Airline rewards and cashback deals are a popular option, but your favourite supermarket or retailer may also offer a credit card that will enable you to clock up loyalty points when you spend. You are unlikely to earn a fortune or be able to use points to pay for your entire weekly shop but they do give you something back for your spending. M&S Rewards: Shoppers earn one point per 1 spent in stores using ...

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  • Cards & loans

    Credit binge Britain: Figures reveal one in 10 is borrowing 5k more than they earn every year

    Amid a spate of warnings that Britons are living on a growing credit bubble, new research has revealed just how reliant on debt many people in the UK are.Research by price comparison site MoneySupermarket has found that one in four wants to borrow an amount equal to half their annual salary a year by taking on more debt.The firm also claimed one in 10 Britons hopes to borrow more than they earn - typically around 131 per cent of their salary - on average 5,058 more than they earn each year. Hyundai i10: Nearly 40% of borrowers cited a new ...

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  • Cards & loans

    I am applying for my first credit card to help me build up my credit score. What are the best options?

    I am applying for my first credit card to help me build up my credit score.I intend on paying it off every month what are the best options? Will I be able to get a standard deal or should I get a credit builder card? Useful tool: Using a credit card responsibly is one of the most simple ways to build up your credit ratingEmma Gunn of This is Money replies: You would have thought that credit card companies would be champing at the bit to sign up new borrowers, particularly those who have been disciplined enough with their finances ...

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  • Cards & loans

    New AA credit card offers interest-free purchases for a bumper 32 months - longer than any other deal: But should you apply?

    The AA has launched a credit card deal offering a bumper 32 months of 0 per cent interest on spending - longer than any other card on the market, or on record.The bank has added two months to its previous 30-month term to skip ahead of Sainsbury s Bank's previous top-spot position at 31 months.The new Dual Credit Card also offers 16 months interest-free balance transfers, with a 2.89 per cent handling fee when you move over your existing credit card debt. Statement sofa: A 0% purchase deal can be a cheap way to borrow for big ticket items if ...

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  • Cards & loans

    Car finance firms using 'kill switches' that stop the engine if borrowers miss loan payments face crackdown

    Financial watchdogs are spearheading a clampdown on reckless car finance firms and may force them to stop ordering the installation of controversial kill switches in new vehicles.The crackdown on the devices designed to immobilise a car if a borrower fails to meet payments is the latest sign that City regulators have fears over the growth in consumer lending.It is thought the devices are common for customers with poor credit histories up to 10 per cent of the 35 billion lent annually to buy cars. The car finance market is considered a potential flashpoint in the wider consumer credit boom which ...

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  • Cards & loans

    Tesco shoppers can tap a contactless Clubcard to pick up points and swap them for Uber rides as supermarket giant revamps scheme

    Tesco has announced a raft of changes to its Clubcard loyalty scheme, including going contactless and adding Hotels.com and Uber to its list of reward partners.The scheme already allows shoppers to exchange points with 400 different companies including the likes of Avios, Cineworld and Pizza Express.The supermarket giant is now also offering contactless Clubcards to customers and revamped its smartphone app. Lucrative: The loyalty scheme already beats rival supermarkets with higher value points The refresh will mean shoppers can apply for a card instantly via the app and access money-off vouchers on their mobiles to use at the checkout. The ...

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  • Cards & loans

    Interest-free credit card terms have more than doubled in five years. Will 0% deals continue to climb and should we be worried?

    Interest free terms on credit cards have been steadily rising since they were first introduced in 2000. In those days borrowers did not have to pay interest on their balances for the first six months. Borrowers can now get a bumper 43 months at 0 per cent interest using a balance transfer credit card or a slightly shorter 31 months using a specialist purchase deal the longest deals ever offered.The level of household debt is rising by more than 10.3 per cent a year, and there are fears these cards are heaping fuel on the fire. Do they show any ...

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  • Cards & loans

    Could you spot the warning signs of problem debt in friends and family? One in ten Britons are struggling in silence - here's how you can help

    As many as eight million people in the UK are overwhelmed by financial worries and are frequently unable to pay monthly bill payments. Yet money worries are still a taboo subject for many people and less than one in five will actually seek help. This leaves 10 per cent of Britons suffering in silence and dealing with problem debts alone, according to research from the Money Advice Service. But how can you spot this among your friends and family and what can you do to help? Bills mounting up? Make sure you ask for help early to avoid falling in ...

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  • Cards & loans

    App-based bank, B, unveils new low-rate credit card which won't charge you for overseas spending

    Digital challenger, B, has launched its first credit card offering free overseas spending, a low interest rate of 9.9 per cent and no transfer fees.The off-shoot of Clydesdale and Yorkshire Banks launched in May last year with both a current account and savings deal, available only through its smartphone app.The bank s app already offers real-time insights on your spending, plus it lets you tag transactions and set up budgets in much the same way as popular start-up banks Monzo and Starling. B: Credit card customers can tag transactions and view real-time balances via the appMonzo currently only offers a ...

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  • Cards & loans

    Why banks can give you a credit card you never applied for and lump you with a higher rate or shorter 0% interest deal

    Nearly a quarter of borrowers believe that getting accepted for a credit card guarantees them the advertised interest rate and 0 per cent promotion.But what many consumers don't realise is that in order to meet advertising standards lenders are only required to offer these eye-catching deals to 51 per cent of the borrowers they accept.That means, obviously, that up to 49 per cent of those who make it past the first hurdle and get accepted, could get lumped with a much more expensive deal. Credit report: Your score is difference between getting the deal you apply for or a worse ...

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  • Cards & loans

    Sainsbury s bank launches longest-ever purchase credit card offering borrowers 31 months of 0% interest

    Sainsbury s Bank has upped the ante on its purchase credit card, boosting the 0 per cent interest deal to a market-beating 31 months.The new deal overtakes the likes of Santander and Tesco Bank - which both recently improved their own offers - Halifax and the AA, all of which now offer interest-free deals lasting 30 months.These 0 per cent interest cards have come under fire from experts recently over growing fears they could encourage borrowers to take on debt they may not be able to afford to repay in the future. Home improvements: 0 per cent purchase credit cards ...

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  • Cards & loans

    Lloyds Avios credit card customers unable to redeem points for summer trips after balances vanish and it will take six months to fix

    Some Lloyds credit card customers, enticed by the bank's offer of Avios points that can be redeemed for flights, have seen balances vanish and told it will take fully six months to rectify.One customer, Jamie Seabright, received his new Lloyds credit card at the end of January. It was to be linked to his Avios account so he could start accumulating points. However, some four months later, the card is still not linked and he has been told it will take 26 weeks to put right. Credit card problems: We have been contacted by readers with Lloyds Avios credit cards ...

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  • Cards & loans

    Half of under-35s couldn't pay an unexpected bill of 250 - and even 80% on good incomes struggle with debt

    Half of households under the age of 35 couldn t afford an unexpected bill of just 250, forcing them to turn to a credit or the bank of mum and dad, according to new research from Experian.More than a third of millennials, those in their 20s and 30s, regularly rely on a credit card and 13 per cent have a personal loan to help fund expenses such as their car, the costs of a holiday and even their rent.In contrast, two thirds of households at the other end of the age spectrum, those in their 60s and 70s, are completely ...

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  • Cards & loans

    How to make a credit card work for YOU: The tricks to avoiding the traps laid by 0% interest deals

    Household debt is becoming a growing concern, with experts worried consumers are taking on debts they cannot afford to pay back. Credit cards with long 0 per cent deals attached can tempt people into taking on debt piles that cause them difficulties further down the line, drawing people in with tempting terms of up to 30 months on purchase cards and 43 months for balance transfers.Lenders don't offer these deals for your benefit. They are banking on the fact that you will fall foul of the small print and end up paying interest on the whole lot or that you ...

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quotes

Everyone went outside to smoke cloves and bitch about having to stay after for the State.

Jon Stewart on events following Charles — January 19, 1999