Debts in the News
822 pensioners each day enter into poverty
The number of pensioners living below the poverty line in the UK has rises to 2.5 million in June 2008, the first increase since 1998. [more...]

Mortgage Lending Down 19% as Cost of Mortgages Rises.
Mortgage lending remained slow in May 2008 with total lending down 19% over the year, says they from the Council of Mortgage Lenders (CML). Tightened lending criteria and falling confidence in the housing market contributed to a £5bn fall in the value of mortgages advanced - from £31.5bn in May 2007 to £26.5bn last month. The CML said the Bank of England's data on mortgage approvals for hous [more...]

An Ethical Current Account

A viewer of BBC2's Working Lunch TV programme asked if any UK bank offers an ethical current account. The answer was yes, but presently only one bank provides such a service. [more...]

Beware of Loan Applications on Finance Comparison Sites
The temptation on a Money Comparison website is to always apply for the lowest APR loans. However if you don't have a very good credit history, this could make it worse. [more...]

IVA Question


Does the Insolvency Practitioner (i.e. ourselves) represent the Creditor or the Debtor ?


Neither. The role of the IP is to act as a go between to ensure there is a balance between what Creditors can reasonably demand and what a Debtor can reasonably be expected to pay.

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