Financial Arrangements
Financial products come with terms that impact your money and obligations. We review fees, penalties, conditions and restrictions in banking and credit agreements.
Bank Account Charges
Bank accounts often come with hidden fees and charges you might not expect, so check the details before you sign up.
Bank Accounts and the Small Print
Watch out for hidden fees and restrictions when comparing bank accounts, as terms vary widely between providers.
Bankruptcy and Small Print
Understand what happens when you file for bankruptcy, how the Official Receiver takes charge, and what restrictions apply to your finances.
Buying and Selling Shares: What to Be Aware of
Trading shares can be rewarding but risky, only invest money you can afford to lose and expect returns over years, not months.
CCJs and Default Notices
Find out what Default Notices and CCJs are, how they affect your credit, and what happens when you fall behind on payments.
Company Pensions Getting a Good Deal
Your company pension could be worth 25% extra on your salary, so check the details before you sign up.
Credit Cards and the Small Print
Watch out for hidden fees and sneaky rates when choosing a credit card, because what looks good upfront often gets expensive later.
Debt Consolidation Loans
Consolidating multiple debts into one loan can lower your monthly payments and interest costs, but weigh the risks carefully first.
Getting Back Your Bank Charges
You can claim back unfair bank charges if your account went overdrawn or missed payments and the fees were excessive.
Individual Voluntary Arrangements
An IVA lets you pay back a portion of your debts over five years instead of the full amount, stopping interest and creditor harassment.
Is Your Current Account Safe?
Your bank deposits are protected up to £120,000 per bank under the FSCS scheme, but joint accounts and multiple accounts have important limits to know.
Private Pensions and the Conditions You Should Be Aware of
Know what affects your private pension value and how tax relief works on your contributions.
Protecting Yourself from Fraud or Identity Theft
Stop identity thieves from using your personal information by understanding how they operate and what steps you can take to protect yourself.
Secured Loans and Being Aware of the Small Print
What you need to know about secured loans before signing up, including risks and repayment obligations.
Store Cards and What to Look Out for
Store cards offer discounts at checkout, but watch out for high interest rates and pressure tactics before you sign up.
Transactions and the Fine Print
Hidden terms and conditions affect every purchase you make, so here's what you need to know about reading the fine print.
Unsecured Loans: The Catches and Conditions
Unsecured personal loans don't need collateral but come with real catches, from credit checks to how much you can actually borrow.
What Can I Do if I Have Bad Credit?
Get practical steps to improve your finances if you're struggling with bad credit and debt.