http://www.beatmydebt.comRss Feed for all the news and articles from Beat My Debt40Settling an IVA early with a lump sum is beneficial for both the debtor and the creditors. We consider if a windfall can be used for a lump sumThu, 29 Jul 2010 05:09:27 +0000http://www.beatmydebt.com/news-articles/can-I-settle-my-IVA-early-if-I-receive-a-windfall.htmHundreds of thousands of students who graduated a year ago could soon find that they are paying interest rates of up to 19pcThu, 29 Jul 2010 02:12:50 +0000http://www.beatmydebt.com/news-articles/graduates-charged-rates-of-19-percent-on-interest-free-student-overdrafts.htmProfits at British Gas jumped by more than three-quarters to £842m – but its parent company, Centrica, still warned consumers that bills will riseThu, 29 Jul 2010 01:54:51 +0000http://www.beatmydebt.com/news-articles/energy-bills-to-rise-as-british-gas-profits-soar.htmBank of England governor Mervyn King yesterday attacked the banks for destroying small firms by starving them of cash. Thu, 29 Jul 2010 01:34:29 +0000http://www.beatmydebt.com/news-articles/banks-are-starving-businesses-of-cash-says-bank-of-england-governor.htmMore and more people are choosing to declare themselves bankrupt as a way of resolving their debts. Is bankruptcy appropriate if you are self employedWed, 28 Jul 2010 06:21:23 +0000http://www.beatmydebt.com/news-articles/can-I-go-bankrupt-if-I-am-self-employed.htmPlans to tackle climate change will add £277 to annual household fuel bills unless consumers give their homes a ‘green makeover’, ministers warnedWed, 28 Jul 2010 04:51:48 +0000http://www.beatmydebt.com/news-articles/homeowners-face-277-pound-fuel-bill-hike-in-move-towards-green-energy.htmFour out of five credit managers believe that public sector spending cuts will spark a sharp increase in business insolvencies within the next yearWed, 28 Jul 2010 02:42:46 +0000http://www.beatmydebt.com/news-articles/public-sector-cuts-will-hurt-businesses.htmLloyds TSB has won a landmark court victory which will curtail the number of ways consumers can challenge the enforceability of debtsWed, 28 Jul 2010 02:05:24 +0000http://www.beatmydebt.com/news-articles/lloyds-wins-landmark-case-over-PPI.htmMaking sure that you agree the correct level of living expenses is vital for an IVA. We investigate what expenses are acceptable to creditors Mon, 26 Jul 2010 02:10:49 +0000http://www.beatmydebt.com/news-articles/if-I-do-an-iva-what-living-expenses-will-I-be-allowed.htmThe easing of the recession has spelled the end for thousands of marriages, lawyers say. Mon, 26 Jul 2010 12:20:03 +0000http://www.beatmydebt.com/news-articles/rising-divorce-rate-is-linked-to-the-economic-recovery.htmSeveral new banks are about to hit the high street. We find out whether customers will benefit. Mon, 26 Jul 2010 12:04:04 +0000http://www.beatmydebt.com/news-articles/will-the-new-banks-give-us-a-better-deal.htmFewer UK businesses went bust in June but the north-south divide in relation to insolvencies is growing, according to new figures.Fri, 23 Jul 2010 11:35:43 +0000http://www.beatmydebt.com/news-articles/insolvency-rate-of-UK-firms-falls.htmWith the school holidays starting, many people are thinking about time away. If you are in a dmp, we consider whether you can go on holidayThu, 22 Jul 2010 05:59:29 +0000http://www.beatmydebt.com/news-articles/if-I-have-a-debt-management-plan-can-I-go-on-holiday.htmDebt charity report says debt problems affect people's relationships and ability to work.Thu, 22 Jul 2010 01:48:42 +0000http://www.beatmydebt.com/news-articles/debt-problems-impact-negatively-on-peoples-health.htmIt is a final demand that will come as a shock to most of us - we will pay out almost £1million to cover essential bills during our adult lives. Thu, 22 Jul 2010 01:21:08 +0000http://www.beatmydebt.com/news-articles/how-lifes-essentials-will-land-average-household-with-a-1-million-pound-bill.htmSingle people end up spending more than £250,000 over the course of their life because they are not part of a couple, research has suggestedWed, 21 Jul 2010 11:15:59 +0000http://www.beatmydebt.com/news-articles/cost-of-being-single-is-254082-pounds.htmBorrowers wanting a personal loan are becoming restricted to their current account provider, as only four banks will lend to new customers. Wed, 21 Jul 2010 10:57:16 +0000http://www.beatmydebt.com/news-articles/only-four-banks-will-lend-to-new-customers.htmA leading debt charity has warned that repossessions could increase, despite a rallying of the UK economy.Wed, 21 Jul 2010 10:39:51 +0000http://www.beatmydebt.com/news-articles/debt-charity-warns-of-impending-repossessions-rise.htmA leaked government report has suggested that the number of home repossessions could rise to unprecedented levels in 2012.Tue, 20 Jul 2010 01:56:03 +0000http://www.beatmydebt.com/news-articles/many-of-britons-homeowners-may-be-at-risk-of-repossession.htmBritain’s over-50s have reduced their retirement savings by nearly £18 billion over the last year, according to new research by LV=.Tue, 20 Jul 2010 11:20:44 +0000http://www.beatmydebt.com/news-articles/over-50s-slash-retirement-savings.htmRecord-breaking numbers of families are facing home repossession in 2012, according to a new reportTue, 20 Jul 2010 11:04:00 +0000http://www.beatmydebt.com/news-articles/repossessions-could-hit-175000-a-year-according-to-unpublished-government-report.htmThe Government is to reduce funding for the Mortgage Rescue Scheme, the BBC has reported.Tue, 20 Jul 2010 10:43:02 +0000http://www.beatmydebt.com/news-articles/mortgage-rescue-scheme-under-threat.htmDo you want to stop making your IVA payments and change to a different debt solution? We investigate the implications of ending your IVA earlyMon, 19 Jul 2010 05:41:32 +0000http://www.beatmydebt.com/news-articles/i-am-not-happy-with-my-iva-can-I-change-to-a-different-debt-solution.htmEvery year British consumers waste £150 million on late payment credit card charges, Confused.com has revealed.Mon, 19 Jul 2010 04:22:10 +0000http://www.beatmydebt.com/news-articles/brits-waste-150-million-pounds-on-credit-card-fees.htmThe cost of a university education will rise as public subsidies are slashed but student repayments will be fairer and linked to earningsMon, 19 Jul 2010 04:01:04 +0000http://www.beatmydebt.com/news-articles/vince-cable-says-students-must-pay-more-for-university.htmBritain's banks are "ripping off" their customers, Business Secretary Vince Cable has told the BBC.Mon, 19 Jul 2010 03:54:58 +0000http://www.beatmydebt.com/news-articles/banks-continue-to-rip-customers-off.htmWe consider whether a debt management plan is suitable to resolve a debt problem if your income is made up primarily from benefits paymentsFri, 16 Jul 2010 03:39:52 +0000http://www.beatmydebt.com/news-articles/can-I-do-a-debt-management-plan-if-I-am-on-benefits.htmRent is quite often a touchy subject. Many people think they're paying too much, while others secretly think they're getting a good dealFri, 16 Jul 2010 01:29:25 +0000http://www.beatmydebt.com/news-articles/are-you-paying-enough-rent.htmIt would be wrong to raise interest rates now because the risk of only weak growth over a prolonged period is real, David Miles saysFri, 16 Jul 2010 12:59:38 +0000http://www.beatmydebt.com/news-articles/interest-rates-wont-rise-yet-says-bank-of-england-policymaker.htmConsumers could face new financial literacy tests to make sure they understand the detail of loans they want to take out. Thu, 15 Jul 2010 03:59:49 +0000http://www.beatmydebt.com/news-articles/consumers-face-new-tests-before-taking-out-loans.htmAround 100,000 mothers have been forced back to work since the start of the credit crunch, official figures revealed yesterday. Thu, 15 Jul 2010 03:32:58 +0000http://www.beatmydebt.com/news-articles/100000-mothers-pushed-back-into-work-by-recession.htmUK homeowners increased the value of their stakes in their properties by £3.2bn in the first three months of 2010, figures show.Thu, 15 Jul 2010 01:23:40 +0000http://www.beatmydebt.com/news-articles/homeowners-paying-off-their-mortgages-says-bank-of-england.htmBritons went on ten million fewer trips abroad last year as the recession hit foreign exchange rates.Wed, 14 Jul 2010 01:22:00 +0000http://www.beatmydebt.com/news-articles/millions-more-of-us-holidaying-at-home.htmThe era of debt-fuelled consumer spending is over, a financial expert has claimed, pointing out Britain’s consumer debts of nearly £1.5 trillion.Wed, 14 Jul 2010 12:24:34 +0000http://www.beatmydebt.com/news-articles/era-of-debt-fuelled-consumerism-over.htmIf you are declared bankrupt, any significant assets that you own should be sold to pay off your debts. what happens to home equityTue, 13 Jul 2010 05:20:23 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-home-equity-if-I-go-bankrupt.htmThe Office of Fair Trading has given a warning to a debt management company after finding it advertised free services even though consumersTue, 13 Jul 2010 01:55:55 +0000http://www.beatmydebt.com/news-articles/oft-warns-debt-company-carefree-over-false-claims.htmConsumers can now access their statutory credit report online for a £2 nominal from all three major credit reference agenciesTue, 13 Jul 2010 01:43:57 +0000http://www.beatmydebt.com/news-articles/credit-reports-now-online.htmOne in three businesses have been rejected by their bank when they asked for a loan or an overdraft, research reveals today. Tue, 13 Jul 2010 01:21:19 +0000http://www.beatmydebt.com/news-articles/banks-reject-loans-to-a-third-of-firms.htmA report by Citizens Advice says decision to limit account availability to bankrupt people is 'demoralising and impractical'Mon, 12 Jul 2010 06:41:08 +0000http://www.beatmydebt.com/news-articles/bankrupt-people-wrongly-denied-basic-bank-accounts.htmFigures showing the hotspots for personal insolvencies in England point to a North-South divide last year.Mon, 12 Jul 2010 06:16:23 +0000http://www.beatmydebt.com/news-articles/north-south-divide-in-personal-insolvency-data.htmIt costs £800 per month to raise a child in Britain, according to a report that paints a picture of the country as an unfriendly place for familiesMon, 12 Jul 2010 05:55:59 +0000http://www.beatmydebt.com/news-articles/bringing-up-a-child-costs-800-pounds-a-month.htmBritons have borrowed more than £12 billion to cover the cost of a summer getaway, with one in 10 going into the red just to keep up with the JonesesFri, 09 Jul 2010 04:12:17 +0000http://www.beatmydebt.com/news-articles/britons-plunge-into-debt-to-keep-up-with-the-joneses.htmThree-quarters of home owners do not know what impact an interest rate rise would have on them, a survey has indicated. Fri, 09 Jul 2010 03:56:06 +0000http://www.beatmydebt.com/news-articles/most-home-owners-unaware-of-impact-of-an-interest-rate-rise.htmThe average annual salary has dropped by more than £2,600 in the last six months, it has emerged.Fri, 09 Jul 2010 03:40:07 +0000http://www.beatmydebt.com/news-articles/workers-average-annual-salary-drops-2600-pounds-in-just-six-months.htmBy maintaining interest rates at the record low of 0.5 percent, the Bank of England has protected homeowners from rises to mortgage payments.Thu, 08 Jul 2010 04:57:43 +0000http://www.beatmydebt.com/news-articles/keeping-interest-rates-on-hold-is-right-to-protect-families-from-financial-disaster.htmInterest rates have been kept on hold today as the Bank of England waits to see whether its inflation forecasts play out as expected. Thu, 08 Jul 2010 01:49:10 +0000http://www.beatmydebt.com/news-articles/rates-held-at-0-point-5-percent-amid-inflation-debate.htmBritain's banks lent just £900m to small businesses last year, less than a quarter of the average annual rateThu, 08 Jul 2010 01:04:37 +0000http://www.beatmydebt.com/news-articles/uk-lending-to-small-businesses-collapsed-last-year.htmIf you start an individual voluntary arrangement we consider your options if you feel unable to maintain your monthly paymentsWed, 07 Jul 2010 04:07:41 +0000http://www.beatmydebt.com/news-articles/can-I-change-my-agreed-IVA-payments.htmBanks face a crackdown on their right to pinch money from savings accounts to pay off a customer's debts. Wed, 07 Jul 2010 11:18:15 +0000http://www.beatmydebt.com/news-articles/watchdog-bans-bank-raids-on-your-savings.htmMore than 300,000 borrowers a year are being denied refunds totalling thousands of pounds for rip-off payment protection insurance (PPI)Wed, 07 Jul 2010 10:12:52 +0000http://www.beatmydebt.com/news-articles/banks-ignore-PPI-mis-selling-claims.htmThe number of staff appointments grew in June, according to a survey by the Recruitment and Employment Confederation (Rec) but at a slower pace. Wed, 07 Jul 2010 09:51:30 +0000http://www.beatmydebt.com/news-articles/job-growth-slips-for-third-month-in-June.htmKeeping student debt to a minimum while studying has become even more important as graduate jobs become more and more difficult to find.Tue, 06 Jul 2010 04:00:55 +0000http://www.beatmydebt.com/news-articles/lack-of-graduate-jobs-means-keeping-student-debts-under-control-is-vital.htmA single person in the UK needs a gross income of at least £14,400 in 2010 to live to an acceptable standard, a charity says.Tue, 06 Jul 2010 12:48:32 +0000http://www.beatmydebt.com/news-articles/living-costs-at-least-14400-pounds-for-a-single-person.htmA 2:1 degree is becoming the basic qualification for a graduate job as employers are swamped by applications for a diminishing number of posts.Tue, 06 Jul 2010 12:16:46 +0000http://www.beatmydebt.com/news-articles/a-2-1-degree-is-becoming-the-basic-qualification-for-a-graduate-job-say-80-percent-of-bosses.htmThe government has set out plans to cap redundancy payouts to civil servants at a maximum of 15 months' pay.Tue, 06 Jul 2010 11:44:23 +0000http://www.beatmydebt.com/news-articles/civil-servant-redundancy-payouts-to-be-capped.htmIf you are struggling financially and have tax or VAT debt, you will need to take action to avoid a bankruptcy petition being made against youMon, 05 Jul 2010 04:33:18 +0000http://www.beatmydebt.com/news-articles/I-have-tax-debts-I-cannot-pay-which-debt-solution-should-I-use.htmMillions of families will be hit by a bill of more than £400 this year in excessive charges and poor deals from 'profiteering' banks, a report claims.Mon, 05 Jul 2010 12:30:37 +0000http://www.beatmydebt.com/news-articles/greedy-banks-cost-us-all-430-pounds-a-year-in-charges-and-poor-deals.htmIf you have debt which you are unable to repay, a ccj can be taken out against you. we investigate whether you can be forced to pay a ccjFri, 02 Jul 2010 01:04:24 +0000http://www.beatmydebt.com/news-articles/can-a-creditor-force-me-to-pay-a-county-court-judgement.htmGraduate unemployment could hit record levels due to planned public spending cuts, a research body has warned. Fri, 02 Jul 2010 11:36:47 +0000http://www.beatmydebt.com/news-articles/graduates-face-record-unemployment.htmSantander has announced plans to charge customers up to £50 per month for using their unauthorised overdraft.Fri, 02 Jul 2010 11:13:36 +0000http://www.beatmydebt.com/news-articles/santander-puts-50-pound-monthly-penalty-on-unauthorised-overdrafts.htmOne in ten Britons fears they will have to work until they die, it was revealed yesterday. Thu, 01 Jul 2010 05:37:33 +0000http://www.beatmydebt.com/news-articles/work-until-you-drop-warning-as-more-face-pension-penury.htmPeople travelling within the EU will benefit from cheaper calls and capped roaming costs from todayThu, 01 Jul 2010 04:50:46 +0000http://www.beatmydebt.com/news-articles/cheaper-eu-mobile-phone-calls-for-all.htmIf you are self employed and have debt that you are struggling to repay, an IVA could be the solution. We consider when an IVA might be suitableWed, 30 Jun 2010 02:34:05 +0000http://www.beatmydebt.com/news-articles/I-want-to-do-an-iva-but-I-am-self-employed-will-this-be-a-problem.htmCash-strapped families preparing for foreign holidays were given a boost yesterday after the pound hit a 19-month high against the euro.Wed, 30 Jun 2010 01:10:58 +0000http://www.beatmydebt.com/news-articles/boost-for-holidaymakers-as-pound-hits-19-month-high-against-weak-euro.htmUp to 270 graduates are battling for every job vacancy after the recession triggered an unprecedented scramble, a study has shown. Wed, 30 Jun 2010 12:45:42 +0000http://www.beatmydebt.com/news-articles/the-chances-of-landing-a-graduate-job-since-the-recession-1-in-270.htmIf you are struggling to pay your debts and have a car on HP we investigate which debt management solution is suitable for youTue, 29 Jun 2010 04:22:32 +0000http://www.beatmydebt.com/news-articles/i-have-a-car-on-hp-what-is-the-best-debt-solution-for-me.htmTenants in Britain pay the highest room rents in western Europe, research indicated today.Tue, 29 Jun 2010 01:16:04 +0000http://www.beatmydebt.com/news-articles/uk-room-rents-highest-in-western-europe.htmMillions of rail passengers face higher than expected annual fare rises of 'up to 10 per cent'Tue, 29 Jun 2010 01:05:03 +0000http://www.beatmydebt.com/news-articles/millions-of-rail-passengers-face-inflation-busting-fare-rises-of-up-to-10-per-cent.htmWith VAT increasing to 20 percent the cost of many items included in the weekly shopping will increase. We consider how to reduce shopping billsMon, 28 Jun 2010 01:02:40 +0000http://www.beatmydebt.com/news-articles/how-to-cut-the-cost-of-your-shopping-and-avoid-the-rise-in-vat.htmRecord low interest rates have driven down the cost of running a home by 6 per cent in the past two years, research suggested.Mon, 28 Jun 2010 11:00:57 +0000http://www.beatmydebt.com/news-articles/falling-mortgage-rates-drive-down-the-cost-of-running-a-home.htmDiscrepancies in list of items which attract VAT mean shoppers can avoid the tax by buying substitute itemsMon, 28 Jun 2010 10:33:09 +0000http://www.beatmydebt.com/news-articles/vat-rise-will-add-33-pounds-to-average-shopping-basket.htmFamilies are saving more money than they are borrowing for the first time in more than 20 years, a Bank of England report shows.Fri, 25 Jun 2010 12:39:06 +0000http://www.beatmydebt.com/news-articles/families-saving-more-money-than-borrowing-for-first-time-in-20-years.htmFamilies are drowning in debt after a decade-long binge on credit cards. Fri, 25 Jun 2010 12:26:01 +0000http://www.beatmydebt.com/news-articles/families-on-the-brink-of-insolvency-crisis-after-decade-long-credit-card-binge.htmTreasury slams the door on Labour's Saving Gateway which aimed to give 50p boost for every pound saved.Fri, 25 Jun 2010 12:10:35 +0000http://www.beatmydebt.com/news-articles/saving-scheme-for-low-earners-scrapped.htmMiddle income families will be hit twice as hard as wealthy, despite Osborne's claim that we'll all share the painThu, 24 Jun 2010 10:45:17 +0000http://www.beatmydebt.com/news-articles/budget-middle-classes-will-suffer-most.htmThe bombshell rise in VAT will lead to 235,000 job losses and put a permanent dent in the living standards of every family in the countryThu, 24 Jun 2010 10:21:06 +0000http://www.beatmydebt.com/news-articles/vat-rises-will-cost-235000-jobs.htmThe raft of housing and child benefit cuts and a VAT rise to 20% announced today could push thousands into serious debt.Tue, 22 Jun 2010 01:57:09 +0000http://www.beatmydebt.com/news-articles/benefit-clampdown-could-push-thousands-into-debt.htmBrits prefer driving a nice car to having a financially sound pensions plan, according to new research published this week.Tue, 22 Jun 2010 10:12:13 +0000http://www.beatmydebt.com/news-articles/cars-and-jewellery-more-important-than-pension.htmDebt worries are forcing mothers back to work even when they would rather stay at home, a new study has disclosedTue, 22 Jun 2010 10:03:35 +0000http://www.beatmydebt.com/news-articles/debt-worries-forcing-mums-back-to-work.htmHome owners are failing to repay large amounts off their mortgage despite historically low interest rates, a new study has suggestedTue, 22 Jun 2010 09:52:53 +0000http://www.beatmydebt.com/news-articles/home-owners-struggle-to-reduce-size-of-mortgages.htmIn a bid to ease the pain from severe spending cuts the coalition Government will proceed with its proposal to freeze council tax in englandMon, 21 Jun 2010 02:17:13 +0000http://www.beatmydebt.com/news-articles/budget-will-bring-council-tax-freeze.htmEx-boyfriend entitled to half share 17 years after split even though he did not pay mortgage, appeal court rulesMon, 21 Jun 2010 02:09:13 +0000http://www.beatmydebt.com/news-articles/mortgage-warning-for-unmarried-couples-as-ex-partner-gets-half-of-house.htmThe number of company collapses is expected to fall short of predictions for 2010 after the rate of business insolvencies fell again in May.Mon, 21 Jun 2010 01:51:57 +0000http://www.beatmydebt.com/news-articles/business-failures-drop-in-may.htmIf you considering a debt management plan to resolve your personal debt problems, we investigate what will happen to your bank account and overdraftFri, 18 Jun 2010 03:58:45 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-bank-account-if-I-do-a-debt-management-plan.htmTax credits paid to middle-class families face the axe in next week's emergency Budget, Nick Clegg hinted yesterday. Fri, 18 Jun 2010 10:23:05 +0000http://www.beatmydebt.com/news-articles/child-tax-credits-to-be-slashed-for-anyone-earning-over-25000-pounds.htmNationwide has jumped to the top of the loans best-buy table, offering 7.7% APR on loans between £7,500 and £14,999 repaid over five years. Fri, 18 Jun 2010 09:48:24 +0000http://www.beatmydebt.com/news-articles/nationwide-launches-market-leading-7-point-7-percent-loan.htmWith the possibility of many family incomes reducing as a result of government cuts, we consider the options if you are struggling with credit cardsThu, 17 Jun 2010 03:44:34 +0000http://www.beatmydebt.com/news-articles/I-cannot-pay-my-credit-card-debts-what-can-I-do.htmUp to 67,000 individuals who are struggling with debts have already contacted a loan shark or doorstep lender, according to recent researchThu, 17 Jun 2010 11:37:07 +0000http://www.beatmydebt.com/news-articles/67000-turn-to-loan-sharks.htmCapping interest rates and charges imposed by doorstep and payday loan lenders would further reduce competition in the sector, says OFTThu, 17 Jun 2010 10:47:31 +0000http://www.beatmydebt.com/news-articles/doorstep-and-payday-loan-lenders-escape-interest-rate-cap.htmHMRC is tightening up on all tax payments, and is refusing requests for deferrals of larger VAT payments, research shows.Thu, 17 Jun 2010 10:19:02 +0000http://www.beatmydebt.com/news-articles/time-to-pay-hmrc-tightens-vat-rules.htmA debt management plan is an informal agreement between you and your unsecured lenders for reduced monthly debt repaymentsWed, 16 Jun 2010 01:51:42 +0000http://www.beatmydebt.com/news-articles/debt-management-plan-for-store-card-debts.htmAviva report claims that overall happiness and self-esteem are influenced by our sense of financial control and not by how much we earn each year.Wed, 16 Jun 2010 12:50:42 +0000http://www.beatmydebt.com/news-articles/happiness-linked-to-financial-planning-research-shows.htmThink carefully before dealing with any organisation which asks for money upfront to get you a loan.Wed, 16 Jun 2010 12:30:06 +0000http://www.beatmydebt.com/news-articles/beware-of-loans-with-up-front-fees.htmUnemployment has soared by 23,000 to hit 2.47million, according to new official figures, jobs crisis facing the coalition governmentWed, 16 Jun 2010 12:17:54 +0000http://www.beatmydebt.com/news-articles/unemployment-rises-23000-to-2-point-47-million-as-more-than-one-in-four-working-age-britons-now-have-no-job.htmThe basis of every debt management solution is understanding how much you can afford to repay your creditors based on your income and living expenses.Tue, 15 Jun 2010 04:11:19 +0000http://www.beatmydebt.com/news-articles/what-are-the-allowable-living-expenses-in-a-debt-management-plan-or-iva.htmA couple that claimed to be able to wipe out clients debt for a fee has been banned from running companies saying borrowers can sell their debtTue, 15 Jun 2010 09:34:51 +0000http://www.beatmydebt.com/news-articles/credit-card-killer-couple-are-banned.htmFormer customers of Cartel Client Review are still in the dark over whether they will retrieve millions in lost funds after the firm was shut downTue, 15 Jun 2010 09:01:36 +0000http://www.beatmydebt.com/news-articles/cartel-client-review-customers-in-the-dark.htmIf you are in an individual voluntary arrangement but cannot continue making your payments, it is likely that the agreement will fail. Mon, 14 Jun 2010 02:20:25 +0000http://www.beatmydebt.com/news-articles/if-my-iva-fails-what-will-happen-to-my-debts.htmCuts in the number of public sector workers may hit the property market, drastically reducing sales and leading to price fallsMon, 14 Jun 2010 11:10:22 +0000http://www.beatmydebt.com/news-articles/house-sales-set-to-fall-as-public-sector-cuts-loom.htmBritish Airways cabin crew have revealed deep splits over their threatened strikes as the cost of the dispute hits them in the pocket.Sat, 12 Jun 2010 12:02:48 +0000http://www.beatmydebt.com/news-articles/we-cant-afford-to-keep-on-striking-say-british-airways-staff.htmHolidaymakers leaving the EU - including football fans going to the World Cup - are being warned about the risks of running up huge mobile phone billsSat, 12 Jun 2010 11:42:16 +0000http://www.beatmydebt.com/news-articles/warning-for-holiday-makers-on-mobile-phone-fees-outside-the-uk.htmWhen you are trying to resolve a debt problem if your debt management company is providing a bad service can you change to a new companyThu, 10 Jun 2010 02:30:41 +0000http://www.beatmydebt.com/news-articles/I-am-not-happy-with-my-debt-management-company-can-I-change-to-a-new-one.htmA group of Cheshire-based companies offering national debt management and loan brokerage services to financially distressed clients have been wound-upThu, 10 Jun 2010 12:29:01 +0000http://www.beatmydebt.com/news-articles/debt-management-firms-wound-up.htmA winding up order has been issued against claims management firm Credit Issues by HM Revenue and Customs (HMRC).Thu, 10 Jun 2010 12:10:55 +0000http://www.beatmydebt.com/news-articles/hmrc-takes-action-against-claims-firm.htmMany thousands of people each month try to resolve their debt problems by starting a debt management plan. We consider the effect of a dmp on propertyTue, 08 Jun 2010 01:02:24 +0000http://www.beatmydebt.com/news-articles/if-I-do-a-debt-management-plan-is-my-house-protected.htmFor many of us, in order to cope with day to day expenses, borrowing remains a fact of life. But before turning to credit it's essential to understandTue, 08 Jun 2010 11:42:59 +0000http://www.beatmydebt.com/news-articles/how-to-choose-a-credit-card.htmThe prime minister has warned of “difficult decisions” to be made on pay, pensions and deficits as he prepares the country for the emergency budgetTue, 08 Jun 2010 11:24:29 +0000http://www.beatmydebt.com/news-articles/pm-warns-cuts-will-be-painful.htmCompanies with public sector contracts are being urged to prepare for inevitable cuts so that they can avoid the risk of going bust Tue, 08 Jun 2010 11:11:48 +0000http://www.beatmydebt.com/news-articles/business-must-prepare-for-public-sector-cuts.htmIf you living in rented accommodation, dealing with a debt problem may seem difficult because you have no equity in your propertyMon, 07 Jun 2010 03:09:06 +0000http://www.beatmydebt.com/news-articles/I-am-renting-and-have-debt-problems-what-is-the-best-debt-solution-for-me.htmAn interactive map of debt hotspots has revealed which areas of the UK have been affected with the highest proportion of repossessionMon, 07 Jun 2010 12:17:08 +0000http://www.beatmydebt.com/news-articles/debt-map-reveals-repossession-hotspots.htmA new poll reveals that, when it comes to the matter of a holiday, British travellers are prepared to dispense with caution and get into debt.Mon, 07 Jun 2010 12:03:24 +0000http://www.beatmydebt.com/news-articles/one-third-of-britons-would-go-into-debt-to-pay-for-a-holiday.htmMen have suffered the effects of the recession more than women because of rising unemployment, slower rate of salary increases and houshold expensesMon, 07 Jun 2010 11:52:45 +0000http://www.beatmydebt.com/news-articles/men-hardest-hit-by-recession.htmWith the summer holiday season ready to start we consider whether it is right to spend time and money taking a break if you are in an ivaFri, 04 Jun 2010 05:00:52 +0000http://www.beatmydebt.com/news-articles/can-I-go-on-holiday-while-I-am-in-an-IVA.htmWhich? Money report reveals the 10 financial products on which consumers waste thousands of pounds each yearFri, 04 Jun 2010 01:26:15 +0000http://www.beatmydebt.com/news-articles/the-top-10-most-useless-financial-products-revealed.htmConsumers are wasting thousands of pounds on financial products they do not need or which provide little benefit, including mobile phone insuranceFri, 04 Jun 2010 01:02:10 +0000http://www.beatmydebt.com/news-articles/the-finance-hard-sell-consumers-talked-into-loans-and-insurance-they-dont-need.htmRising food bills have driven Britain's inflation rate to the highest in the Western World.Thu, 03 Jun 2010 10:39:24 +0000http://www.beatmydebt.com/news-articles/uk-families-face-highest-inflation-in-western-world-as-food-prices-rocket-and-pound-plunges.htmNearly two-thirds of people who take out 0pc balance transfer deals run up interest bills after using the credit cards for spendingThu, 03 Jun 2010 09:32:47 +0000http://www.beatmydebt.com/news-articles/two-thirds-of-cardholders-pay-interest-after-taking-zero-percent-transfer-deal.htmSecuring debts against a homeowner’s property using a charging order is becoming increasingly common. How can you argue against thisWed, 02 Jun 2010 01:38:31 +0000http://www.beatmydebt.com/news-articles/I-am-at-risk-of-getting-a-charging-order-against-my-house-how-can-I-stop-this.htmYoung people in the UK under 21 owe more than £8,000 in unsecured debts, according to new research.Wed, 02 Jun 2010 11:55:37 +0000http://www.beatmydebt.com/news-articles/huge-debts-for-young-people.htmRyanair is increasing the cost of checking-in suitcases to up to £80 per bag during the summer holiday season. Wed, 02 Jun 2010 11:37:16 +0000http://www.beatmydebt.com/news-articles/ryanair-ramps-up-charges-for-summer-season.htmCredit card giant pledges to ditch 'adverse order of payments' system in SeptemberWed, 02 Jun 2010 11:19:32 +0000http://www.beatmydebt.com/news-articles/mbna-credit-card-holders-to-benefit-from-repayments-change.htmWith more than five million households using credit cards to pay for household bills we consider the options available to resolve thisTue, 01 Jun 2010 01:11:45 +0000http://www.beatmydebt.com/news-articles/I-am-using-credit-cards-to-pay-for-my-household-bills-each-month-what-can-I-do.htmStarting salaries for workers taking new jobs fell by 3 per cent last month, despite the rising cost of living.Tue, 01 Jun 2010 11:29:17 +0000http://www.beatmydebt.com/news-articles/competition-for-jobs-takes-heavy-toll-on-starting-pay.htmMany students have already had problems with personal debt. We consider how this will affect their ability to get the student loans necessary to suppoMon, 31 May 2010 11:20:44 +0000http://www.beatmydebt.com/news-articles/can-I-get-a-student-loan-if-I-have-a-poor-credit-rating.htmThe National Union of Students has warned that the Student Loans Company may experience delays in processing loan applications againMon, 31 May 2010 09:50:03 +0000http://www.beatmydebt.com/news-articles/students-are-alerted-over-repeat-of-the-loans-fiasco.htmMore than five million homeowners are turning to their credit cards to pay at least one household bill a month, a survey has revealedFri, 28 May 2010 12:46:17 +0000http://www.beatmydebt.com/news-articles/more-people-turn-to-credit-to-make-ends-meet.htmPetrol Prices are unlikely ever to go below 110p a litre again even though fuel costs are on their way down again, according to the AA.Fri, 28 May 2010 12:25:14 +0000http://www.beatmydebt.com/news-articles/petrol-prices-to-drop-but-never-below-1-pound-a-litre-says-the-AA.htmChild trust funds are to be scrapped by the government from January 1st 2011. However the need to save for our children’s future has never been greateThu, 27 May 2010 02:04:58 +0000http://www.beatmydebt.com/news-articles/the-scrapping-of-child-trust-funds-hands-back-the-burden-of-saving-to-parents.htmFrom 1 July, Alliance and Leicester (AL) will attempt to reduce its queues by making customers withdrawing less than £300 use a cash machineThu, 27 May 2010 11:59:03 +0000http://www.beatmydebt.com/news-articles/hsbc-and-a-and-l-follow-nationwide-with-counter-changes.htmMortgage lending remained subdued in April, according to figures from the UK's major banks. Thu, 27 May 2010 11:46:12 +0000http://www.beatmydebt.com/news-articles/spring-mortgage-lending-subdued-banks-say.htmThe recession has helped young people learn than money does not grown on trees according to one financial expert.Thu, 27 May 2010 11:31:43 +0000http://www.beatmydebt.com/news-articles/money-does-not-grow-on-trees-children-learn.htmIf you are struggling with debt and live with your partner or in a shared house, it is important to understand how your debts will affect other peopleWed, 26 May 2010 12:24:39 +0000http://www.beatmydebt.com/news-articles/will-other-people-be-affected-by-my-debt-if-we-live-in-the-same-house.htmWe're expected to spend a massive £100billion on our credit cards during the summer months. Wed, 26 May 2010 10:47:27 +0000http://www.beatmydebt.com/news-articles/dont-get-burnt-in-100-billion-pound-summer-credit-card-binge.htmHomeowners who bought their homes between 2006 and 2008 can potentially switch to cheaper loans because the equity in their properties has increasedWed, 26 May 2010 10:26:21 +0000http://www.beatmydebt.com/news-articles/homeowners-urged-to-remortgage-as-equity-levels-rebound.htmHome information packs (Hips) are no longer required to sell a home and as a result thousands of people may lose their jobsTue, 25 May 2010 12:24:11 +0000http://www.beatmydebt.com/news-articles/my-home-information-pack-Hips-business-is-in-trouble-what-can-I-do.htmA campaign against loan sharks is being stepped up by the Office of Fair Trading and trading standards officers. Tue, 25 May 2010 10:48:45 +0000http://www.beatmydebt.com/news-articles/loan-sharks-face-further-attacks-from-regulator.htmInflation-busting pay rises are off the agenda at all but 3% of Britain's companies, while almost one in six are still imposing a pay freezeTue, 25 May 2010 10:22:13 +0000http://www.beatmydebt.com/news-articles/pay-rises-stay-below-inflation-as-flexible-labour-force-helps-climb-to-recovery.htmPeople in debt are increasingly considering bankruptcy as a solution. But how likely is it that one of your creditors will force you into bankruptcyMon, 24 May 2010 01:28:01 +0000http://www.beatmydebt.com/news-articles/will-my-creditors-make-me-bankrupt.htmSavers are routinely withdrawing their savings to cover the costs of living, new research has disclosed.Mon, 24 May 2010 10:16:08 +0000http://www.beatmydebt.com/news-articles/seven-million-savers-routinely-withdrawing-cash-to-cover-living-costs.htmWe paid less into our already-threadbare pensions, and despite talk of the new thrift, we're saving little. But we have cut back on credit cardsMon, 24 May 2010 10:03:43 +0000http://www.beatmydebt.com/news-articles/We-have-cut-back-on-the-credit-cards-but-we-are-still-not-saving.htmIt is becoming more and more common for creditors to try and secure personal debts such as credit cards and loans against property.Fri, 21 May 2010 12:02:52 +0000http://www.beatmydebt.com/news-articles/one-of-my-creditors-has-threatened-to-attach-their-debt-to-my-house-is-this-possible.htmRegulators will clamp down on excessive interest rates charged on credit and store cards, according to new plans laid out by the government.Fri, 21 May 2010 09:53:04 +0000http://www.beatmydebt.com/news-articles/government-to-axe-high-credit-card-interest-rates.htm“Onerous clauses” on payment protection insurance (PPI) mean that borrowers unable to pay back their loans rarely receive an insurance payoutFri, 21 May 2010 09:34:12 +0000http://www.beatmydebt.com/news-articles/payment-protection-insurance-rarely-provides-adequate-cover.htmOnce an IVA is in place, creditors are legally obliged to stop their debt collection activities. What can you do if you are still receiving callsThu, 20 May 2010 06:34:36 +0000http://www.beatmydebt.com/news-articles/I-am-in-an-iva-but-my-creditors-keep-calling-what-can-I do.htmSome 31 per cent of debtors in statutory insolvency procedures are still being contacted by those they owe money to, R3 has claimedThu, 20 May 2010 05:33:47 +0000http://www.beatmydebt.com/news-articles/creditors-hound-debtors-in-ivas.htmPeople saving for their pension have wildly unrealistic expectations about the income they will receive, according to a survey. Thu, 20 May 2010 05:12:43 +0000http://www.beatmydebt.com/news-articles/pensions-1-2-trillion-pound-gap-between-expectations-and-reality.htmThe coalition government has suspended the use of Home Information Packs (Hips) by home sellers. Thu, 20 May 2010 04:49:50 +0000http://www.beatmydebt.com/news-articles/hips-scrapped-by-coalition-government.htmWhere a County Court Judgement has been issued, statutory interest of 8% pa will automatically be added to the debt. Action must be taken swiftlyWed, 19 May 2010 02:42:04 +0000http://www.beatmydebt.com/news-articles/I-have-a-county-court-judgement-I-cannot-pay-what-can-I-do.htmThousands of borrowers are seeking debt management help from their mortgage brokers after attempts to challenge their credit agreement termsWed, 19 May 2010 01:01:39 +0000http://www.beatmydebt.com/news-articles/mortgage-brokers-turn-to-debt-management.htmThose aged between 55 and 64 have a lower average income than pensioners, a report by Aviva shows, and are failing to save for retirementWed, 19 May 2010 12:48:23 +0000http://www.beatmydebt.com/news-articles/pre-retireds-worse-off-than-pensioners-aviva-study-shows.htmCitizens Advice Bureau (CAB) has revealed 2.4m more enquiries for advice on debt flooded into its call centres in 2009/10 compared to previous yearWed, 19 May 2010 12:34:34 +0000http://www.beatmydebt.com/news-articles/citizens-advice-experiences-high-demand.htmIf your company has received a winding up petition you need to take action quickly or the business will be closed. Can pre pack administration helpTue, 18 May 2010 03:55:45 +0000http://www.beatmydebt.com/news-articles/can-I-stop-winding-up-using-pre-pack-administration.htmAlthough some people may end up better off after June 22, others fear that the Government's pressing need to cut the deficit will leave them strugglinTue, 18 May 2010 12:23:50 +0000http://www.beatmydebt.com/news-articles/coalition-government-families-braced-for-the-emergency-budget.htmUK inflation accelerated again in April to hit its highest rate in 17 months, official figures show. Tue, 18 May 2010 11:46:31 +0000http://www.beatmydebt.com/news-articles/uk-inflation-hits-17-month-high.htmTwo-thirds of small businesses want a cut in fuel duty in Chancellor George Osborne's emergency June budget, according to a surveyTue, 18 May 2010 11:31:37 +0000http://www.beatmydebt.com/news-articles/small-businesses-want-fuel-duty-cut-in-budget.htmPeople who are renting their property will not lose their house if they declare bankruptcy. So is it better to go bankrupt or do an IVAMon, 17 May 2010 04:19:00 +0000http://www.beatmydebt.com/news-articles/i-am-renting-and-cannot-pay-my-debts-should-I-go-bankrupt-or-do-an-IVA.htmFears that economic recovery will fail to stem a tide of rising unemployment are likely to increase as businesses are reluctant or unable to recruitMon, 17 May 2010 11:25:43 +0000http://www.beatmydebt.com/news-articles/economic-recovery-may-miss-unemployed.htmBusiness insolvencies fell to 1,818 in April 2010 compared to 2,274 in April last year, according to latest figures.Mon, 17 May 2010 11:12:29 +0000http://www.beatmydebt.com/news-articles/fall-in-business-insolvencies.htmWith interest rates at all time lows, many homeowners have avoided losing their homes during the recession. However, when rates start to increaseFri, 14 May 2010 01:33:51 +0000http://www.beatmydebt.com/news-articles/how-will-I-pay-my-mortgage-if-interest-rates-rise.htmMore than five million home owners will be unable to afford a rise in interest rates and will be in danger of being evicted from their homesFri, 14 May 2010 11:13:29 +0000http://www.beatmydebt.com/news-articles/five-million-home-owners-unable-to-afford-interest-rate-rise.htmMany companies have delayed paying VAT and tax debts by using the government “Time to Pay” scheme. However, using a company voluntary arrangementThu, 13 May 2010 02:15:18 +0000http://www.beatmydebt.com/news-articles/avoid-having-to-defer-tax-debts-by-using-a-cva.htmThe number of people trying to have themselves declared bankrupt in England and Wales rebounded in the first three months of the year. Thu, 13 May 2010 12:19:12 +0000http://www.beatmydebt.com/news-articles/bankruptcies-to-keep-on-rising-figures-suggest.htmNearly a third of couples remain financially single despite living together, new research has found.Thu, 13 May 2010 11:30:53 +0000http://www.beatmydebt.com/news-articles/couples-remain-financially-single.htmWhen personal debts start to get out of hand, the first reaction is often to consolidate with a loan. However in many instances, borrowing more money Wed, 12 May 2010 02:54:43 +0000http://www.beatmydebt.com/news-articles/should-I-take-a-loan-to-consolidate-my-debt.htmBank customers with authorised overdrafts are being charged the highest rates in a decade, it has been disclosed today.Wed, 12 May 2010 01:10:31 +0000http://www.beatmydebt.com/news-articles/overdraft-rates-highest-in-a-decade.htmConsumers are being more careful about how much they borrow, a debt advice charity has claimed.Wed, 12 May 2010 12:52:49 +0000http://www.beatmydebt.com/news-articles/consumers-wary-of-borrowing.htmAn online debt counselling service has attracted 86,444 users in the first three months of 2010, according to its service provider.Wed, 12 May 2010 12:46:04 +0000http://www.beatmydebt.com/news-articles/huge-demand-for-online-debt-advice.htmThe aftermath of the election has left us with very little certainty, except the sure knowledge that cuts are coming fast.Wed, 12 May 2010 12:37:20 +0000http://www.beatmydebt.com/news-articles/prepare-for-the-age-of-cuts-and-tax-increases.htmCharging orders are increasingly being used by banks to secure personal debts which have fallen into arrears. But should homeowners worry that this wiTue, 11 May 2010 02:43:57 +0000http://www.beatmydebt.com/news-articles/if-I-have-a-charging-order-can-I-sell-my-house.htmThe number of companies which were closed due to bad debts fell to the lowest level for a year in the first quarter of 2010. However, there may still Tue, 11 May 2010 11:55:47 +0000http://www.beatmydebt.com/news-articles/reduction-in-company-failures-may-not-mean-improvements-for-jobs-and-wages.htmPersonal loan rates have soared over the past three years despite the base rate being at an all-time low.Mon, 10 May 2010 03:00:29 +0000http://www.beatmydebt.com/news-articles/personal-loan-rates-soar.htmThe taxman turned down requests from struggling businesses to defer VAT payments of more than £42 million in the first quarter of this yearMon, 10 May 2010 02:22:38 +0000http://www.beatmydebt.com/news-articles/taxman-targets-vat-payments-from-struggling-businesses.htmTotal UK personal debt at the end of March 2010 stood at £1.46trn, a debt charity has claimed, meaning that individuals owe more than what the whole cMon, 10 May 2010 12:31:54 +0000http://www.beatmydebt.com/news-articles/UK-personal-debt-hits-1point46-trillion.htmThe number of people declared formally insolvent reached the highest levels since records began in the first quarter of 2010. Fri, 07 May 2010 01:06:49 +0000http://www.beatmydebt.com/news-articles/personal-insolvency-figures-reach-new-highs-with-no-end-in-sight.htmA new record high has been recorded for the number of people being declared insolvent in England and Wales. Fri, 07 May 2010 11:41:19 +0000http://www.beatmydebt.com/news-articles/personal-insolvencies-at-new-high-in-england-and-wales.htmIf you are considering an IVA you will have to agree to repay a minimum amount each month. There are actions ou an take to make this affordableThu, 06 May 2010 01:53:17 +0000http://www.beatmydebt.com/news-articles/tips-on-how-to-afford-the-payments-required-for-an-IVA.htmPay freezes and the rising cost of living mean that almost a third of workers are enduring reduced income, according to a surveyThu, 06 May 2010 12:21:27 +0000http://www.beatmydebt.com/news-articles/pay-is-frozen-for-one-in-three-says-incomes-data-services-survey.htmInterest rates on current accounts are surpassing those available in the savings market, making them a better place to keep cash.Thu, 06 May 2010 12:07:26 +0000http://www.beatmydebt.com/news-articles/current-account-rates-beat-savings.htmOnce a company is put into liquidation, leasing agreements will normally be broken and vehicles returned. However, there may be ways to keep them Wed, 05 May 2010 12:17:28 +0000http://www.beatmydebt.com/news-articles/what-happens-to-vehicle-leases-after-liquidation.htmOn Friday the Insolvency Service will release figures showing the number of insolvencies in the UK in the first three months of 2010. Wed, 05 May 2010 10:13:40 +0000http://www.beatmydebt.com/news-articles/tips-when-facing-up-to-insolvency.htmRepairing the public finances could take a generation and require tax rises twice the size of those pencilled in by all major political partiesWed, 05 May 2010 09:57:50 +0000http://www.beatmydebt.com/news-articles/britons-face-two-decades-of-financial-pain.htmA debt management plan can give immediate relief from a debt problem. However the option of changing to an IVA can bring significant advantagesTue, 04 May 2010 01:12:03 +0000http://www.beatmydebt.com/news-articles/can-I-change-from-a-debt-management-plan-to-an-iva.htmOver 93,000 people contacted the Consumer Credit Counselling Service (CCCS) for help with debt in the first quarter of 2010.Tue, 04 May 2010 11:38:44 +0000http://www.beatmydebt.com/news-articles/93000-seek-debt-help-in-Q1-2010.htmClydesdale and Yorkshire banks will launch a market-leading credit card deal for people wanting to transfer existing balances this week.Tue, 04 May 2010 11:25:59 +0000http://www.beatmydebt.com/news-articles/clydesdale-and-yorkshire-banks-launch-0-percent-credit-cards.htmDespite signs of economic recovery, the number of individuals who are facing personal financial disaster is set to continue.Fri, 30 Apr 2010 01:39:41 +0000http://www.beatmydebt.com/news-articles/personal-insolvency-set-to-be-the-highest-since-records-began.htmIf a winding up petition if issued, this could have a catastrophic effect on a company often resulting in its closure and the investigation of its dirFri, 30 Apr 2010 11:42:18 +0000http://www.beatmydebt.com/news-articles/who-can-issue-a-winding-up-petition.htmAlmost 400 Britons are being declared insolvent every day as numbers reached a record high last month.Fri, 30 Apr 2010 11:32:05 +0000http://www.beatmydebt.com/news-articles/record-numbers-of-britons-declared-insolvent.htmOver 40 percent of small businesses are pessimistic about a potential economic recovery, according to the new survey released on Thursday.Fri, 30 Apr 2010 11:20:54 +0000http://www.beatmydebt.com/news-articles/small-businesses-are-cautious-about-year-ahead.htmMortgages should only be given to some first-time buyers "after study and an exam", according to the chairman of a debt charity. Thu, 29 Apr 2010 02:32:14 +0000http://www.beatmydebt.com/news-articles/mortgage-exam-needed-for-first-time-house-buyers.htmPublic sector employers are preparing the ground for substantial post-election cuts that could result in 750,000 jobs disappearing according to surveyThu, 29 Apr 2010 02:17:57 +0000http://www.beatmydebt.com/news-articles/private-sector-job-recovery-seen-as-gloom-grips-the-public-sector.htmIf you have a car on hire purchase, this will have significant implications if you wish to carry out an IVA. We investigate if you can keep your carWed, 28 Apr 2010 02:20:47 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-car-HP-if-I-do-an-IVA.htmAverage gas bills fell 2% in the first three months of 2010, despite the coldest winter for a generation, according to British GasWed, 28 Apr 2010 12:39:42 +0000http://www.beatmydebt.com/news-articles/gas-bills-fall-2-percent-in-first-quarter-of-2010.htmWith inflation and the cost of living on the increase, family budgets have never been tighter. Taking the time to manage your money using some simple Tue, 27 Apr 2010 12:01:31 +0000http://www.beatmydebt.com/news-articles/beat-debt-using-some-simple-money-management-techniques.htmA couple have been banned from running a "debt sale" business which took more than a million pounds in fees from clients.Tue, 27 Apr 2010 10:17:23 +0000http://www.beatmydebt.com/news-articles/debt-sale-firm-hit-by-legal-ban.htmA new agency has been launched aiming to improve money education in the UK and help people avoid debts.Tue, 27 Apr 2010 09:46:55 +0000http://www.beatmydebt.com/news-articles/new-CFEB-agency-aims-to-avoid-debt-spiral.htmAllowing a company to continue to trade while insolvent can lead to the directors being accused of wrongful trading and held liable for company debts.Mon, 26 Apr 2010 01:58:19 +0000http://www.beatmydebt.com/news-articles/if-my-company-continues-to-trade-with-a-county-court-judgement-is-this-fraudulent.htmAs a general rule, a person cannot become liable for debts taken out by another individual unless the debt was signed for in joint names.Fri, 23 Apr 2010 02:30:27 +0000http://www.beatmydebt.com/news-articles/if-I-separate-from-my-partner-am-I-responsible-for-their-debt.htmAlmost half a million British Gas customers are at the end of their Price Protection Plan 2010, which froze their fuel bills for five years. Fri, 23 Apr 2010 10:27:23 +0000http://www.beatmydebt.com/news-articles/more-pain-for-energy-customers.htmAs the stigma surrounding bankruptcy reduces more and more people are choosing this solution but joint account holders are not protectedThu, 22 Apr 2010 01:13:35 +0000http://www.beatmydebt.com/news-articles/if-I-declare-bankruptcy-what-happens-to-my-joint-debts.htmThe UK's "hidden" debt mountain stands at an estimated £55bn, one in three consumers keeps their problems from familyThu, 22 Apr 2010 11:12:48 +0000http://www.beatmydebt.com/news-articles/secret-debt-one-in-three-consumers-hides-financial-problems-from-family.htmPassengers have reportedly spent thousands of pounds in their attempts to get home, with others facing additional hotel and food costs.Thu, 22 Apr 2010 10:58:54 +0000http://www.beatmydebt.com/news-articles/iceland-volcano-passengers-face-money-worries.htmCompany voluntary arrangements are used widely to save businesses in financial difficulty. However directors must consider the potenetial pitfallsWed, 21 Apr 2010 01:50:36 +0000http://www.beatmydebt.com/news-articles/what-are-the-downsides-to-doing-a-company-voluntary-arrangement.htmMore than 3.5 million students and graduates face a hefty increase in their student loan rates later this year after an unexpected surge in inflation Wed, 21 Apr 2010 11:52:42 +0000http://www.beatmydebt.com/news-articles/students-forced-deeper-into-debt-as-inflation-surges-to-4-point-4-percent.htmPeople struggling to pay their bills should get free and impartial guidanceWed, 21 Apr 2010 11:41:42 +0000http://www.beatmydebt.com/news-articles/we-dont-need-more-companies-who-charge-for-debt-advice.htmLegal & General Mortgage Club has launched a new mortgage where applicants do not need to be credit scoredWed, 21 Apr 2010 11:28:36 +0000http://www.beatmydebt.com/news-articles/the-mortgage-that-doesnt-require-a-credit-score.htmUnemployment jumped by 43,000 to reach 2.5 million in the three months to February, its highest level in 16 years.Wed, 21 Apr 2010 10:40:24 +0000http://www.beatmydebt.com/news-articles/unemployment-rises-to-highest-in-16-years.htmYou may have to open a new bank account if you start an individual voluntary arrangement. However, this process is not as daunting as it first seemsTue, 20 Apr 2010 01:29:17 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-bank-account-if-I-do-an-iva.htmViable firms say they are being put out of business by the Revenue’s aggressive tacticsTue, 20 Apr 2010 01:20:07 +0000http://www.beatmydebt.com/news-articles/companies-under-pressure-of-closure-from-hmrc.htmA company director can resolve a personal debt problem using an individual voluntary arrangement. However, care should be taken if the company bankMon, 19 Apr 2010 02:01:51 +0000http://www.beatmydebt.com/news-articles/if-I-do-an-iva-will-my-company-credit-rating-be-affected.htmMotor insurers are offering better deals to customers who buy direct from them rather than through a comparison site, according to analysis by AAMon, 19 Apr 2010 11:12:47 +0000http://www.beatmydebt.com/news-articles/comparison-sites-could-cost-more.htmDebt management plans are used by thousands every month to tackle personal debt problems. But beware, if interest and late payment charges are not stoFri, 16 Apr 2010 12:33:46 +0000http://www.beatmydebt.com/news-articles/will-interest-charges-be-stopped-if-I-do-a-debt-management-plan.htmNorthern Rock launched a price war in the savings market this week with a string of rates aimed at savers with a small sum to depositFri, 16 Apr 2010 11:23:59 +0000http://www.beatmydebt.com/news-articles/northern-rock-sparks-savings-rate-war.htmRecord energy bills of more than £500 have been landing on their doormats in recent days after the coldest winter in a generation.Fri, 16 Apr 2010 11:11:27 +0000http://www.beatmydebt.com/news-articles/500-pound-energy-bills-landing-on-doormats.htmAre you considering a debt solution but are worried about the effect it will have if you live at home or in a property belonging to your partner?Thu, 15 Apr 2010 02:08:10 +0000http://www.beatmydebt.com/news-articles/will-my-parents-house-be-blacklisted-if-I-do-debt-management-or-an-IVA.htmIf you are a director of a small business which receives a county court judgement (CCJ) you may be affected personally even if your company is limitedThu, 15 Apr 2010 11:10:06 +0000http://www.beatmydebt.com/news-articles/my-company-has-a-county-court-judgement-will-this-affect-my-personal credit-rating.htmJCB has begun recruiting up to 200 new workers to meet an increase in demand for products.Thu, 15 Apr 2010 10:58:53 +0000http://www.beatmydebt.com/news-articles/staffordshire-based-JCB-creates-hundreds-of-new-jobs.htmCash payments will account for less than half of all transactions in five years' time, according to research.Wed, 14 Apr 2010 12:06:41 +0000http://www.beatmydebt.com/news-articles/cash-is-being-replaced-by-cards.htmIf you are struggling with debts and owe money your bank any balance in your current account will be at risk unless you open a new account.Tue, 13 Apr 2010 04:33:19 +0000http://www.beatmydebt.com/news-articles/will-I-have-to-open-a-new-bank-account-if-I-have-a-debt-problem.htmFor many businesses one of the advantages of a pre pack administration will be that they are able to continue to trade from the same premisesTue, 13 Apr 2010 11:41:47 +0000http://www.beatmydebt.com/news-articles/if-I-do-a-pre-pack-administration-can-I-trade-from-the-same-premises.htmGrowth in Britons' take-home pay rebounded in March, with those working in the manufacturing sector experiencing the sharpest rise, a survey has showeTue, 13 Apr 2010 11:29:58 +0000http://www.beatmydebt.com/news-articles/take-home-pay-growth-rebounds.htmWith more people than ever before carrying out debt management plans, the risk of receiving a charging order against your property is also increasing.Mon, 12 Apr 2010 10:43:06 +0000http://www.beatmydebt.com/news-articles/if-I-do-a-debt-management-plan-will-I-get-a-charging-order.htmBusiness confidence has reached its highest level in four years, according to a survey of UK companies.Mon, 12 Apr 2010 10:39:15 +0000http://www.beatmydebt.com/news-articles/uk-business-confidence-hits-four-year-high.htmReceiving a winding up petition can seriously affect your company’s ability to trade as its bank account is likely to be frozen. Fri, 09 Apr 2010 12:53:00 +0000http://www.beatmydebt.com/news-articles/if-a-winding-up-petition-is-received-what-happens-to-the-company-bank-account.htmResearch by the Office for National Statistics on social trends suggests that saving is history and consumers have shifted from buying material goods Fri, 09 Apr 2010 12:47:20 +0000http://www.beatmydebt.com/news-articles/britain-becomes-nation-of-borrowers-spending-wildly-on-experiences.htmThe Insolvency Service has revealed its package of measures aiming to modernise the insolvency process including on line creditors meetingsFri, 09 Apr 2010 12:35:26 +0000http://www.beatmydebt.com/news-articles/changes-to-insolvency-industry-introduce-on-line-creditor meetings.htmPetrol prices have hit an average all-time high of 120p per litre, it emerged today, and there were predictions they could go even higher this summer Fri, 09 Apr 2010 12:23:49 +0000http://www.beatmydebt.com/news-articles/petrol-prices-hit-record-high-and-could-increase-even-more.htmUsing an individual voluntary arrangement or debt management plan could resolve your personal debt problem but be aware of your credit ratingThu, 08 Apr 2010 11:16:40 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-credit-rating-if-I-do-an-iva-or-dmp.htmA government strategy to help cash-strapped consumers struggling with record levels of debt is "seriously deficient" because of poor managementThu, 08 Apr 2010 11:10:53 +0000http://www.beatmydebt.com/news-articles/consumer-debt-plan-seriously-deficient-say-mps.htmClaims management firm Ratio Money has ceased trading, a statement on its website reveals.Thu, 08 Apr 2010 10:44:06 +0000http://www.beatmydebt.com/news-articles/claims-management-firm-stops-trading.htmA debt management plan can be a very effective way of dealing with a personal debt problem. However, beware that the debt repayment period will be sigWed, 07 Apr 2010 10:43:51 +0000http://www.beatmydebt.com/news-articles/how-long-will-it-take-to-pay-my-debt-using-a-debt-management-plan.htmA service to help negotiations between over-indebted consumers and creditors is to be launched by the Department of Business, Innovation and Skills Wed, 07 Apr 2010 10:38:50 +0000http://www.beatmydebt.com/news-articles/self-help-debtor-service-launched.htmMany mortgages may be cheaper but the lowest interest rates in years are providing little or no returns for saversWed, 07 Apr 2010 10:27:47 +0000http://www.beatmydebt.com/news-articles/with-returns-at-rock-bottom-whats-the-point-in-saving.htmA pre pack can be a very good way of solving a company debt problem. However where debt remains unpaid, creditors will call in any personal guaranteesTue, 06 Apr 2010 12:01:04 +0000http://www.beatmydebt.com/news-articles/what-happens-to-my-personal-guarantee-if-I-do-a-pre-pack.htmPersonal loans and overdrafts will only be available to "better quality" borrowers in the next three months, according to a survey of lenders.Tue, 06 Apr 2010 11:56:28 +0000http://www.beatmydebt.com/news-articles/loans-limited-to-good-quality-borrowers-says-bank-of-england.htmIf you have started an individual voluntary arrangement (IVA) but are unable to maintain the agreed payments, bankruptcy could be an option to resolveThu, 01 Apr 2010 10:25:14 +0000http://www.beatmydebt.com/news-articles/can-I-go-bankrupt-if-I-am-in-an-iva.htmBritons now owe more money than the value of the entire country’s annual produce, according to the latest figures from Credit Action.Thu, 01 Apr 2010 10:21:20 +0000http://www.beatmydebt.com/news-articles/personal-debt-continues-to-rise.htmThe Office of Fair Trading has today published guidance on the irresponsible lending element of the test to hold a credit licence.Thu, 01 Apr 2010 09:56:09 +0000http://www.beatmydebt.com/news-articles/oft-unveils-irresponsible-lending-guidance.htmAbout 1,100 jobs are to be cut at Jarvis by the administrators who are now running the rail maintenance firm.Wed, 31 Mar 2010 03:13:22 +0000http://www.beatmydebt.com/news-articles/jarvis-staff-face-1100-job-cuts.htmA company voluntary arrangement (CVA) can solve a company debt problem and transform a business back to profitability.Wed, 31 Mar 2010 10:23:13 +0000http://www.beatmydebt.com/news-articles/What-happens-if-I-cannot-pay-my-company-voluntary-arrangement.htmConsumer confidence slipped in March as Britons grew more worried about the economic outlook and the state of their finances, a survey showed on WedWed, 31 Mar 2010 10:19:02 +0000http://www.beatmydebt.com/news-articles/consumer-morale-slips-unexpectedly.htmIf your circumstances change while you are in a debt management plan, you can increase or decrease your monthly payments accordingly. Tue, 30 Mar 2010 11:23:05 +0000http://www.beatmydebt.com/news-articles/what-happens-if-my-circumstances-change-while-in-a-debt-management-plan.htmIf your company cannot pay the tax it owes, it may be forced to close and directors could be held personally liable for the debts. Mon, 29 Mar 2010 11:46:10 +0000http://www.beatmydebt.com/news-articles/what-happens-if-I-cannot-pay-my-company-tax-bill.htmMortgage approvals fell to their lowest level in nine months in February, Bank of England figures showed on MondayMon, 29 Mar 2010 11:41:38 +0000http://www.beatmydebt.com/news-articles/mortgage-approvals-hit-nine-month-low.htmDespite making no changes to income tax levels, the 2010 Budget will create tens of thousands of new higher-rate taxpayers, experts have warned. Fri, 26 Mar 2010 10:30:18 +0000http://www.beatmydebt.com/news-articles/budget-will-create-more-higher-rate-taxpayers.htmThe government is to create a credit adjudicator that will enable small businesses to appeal a bank’s decision to refuse them a loan.Fri, 26 Mar 2010 10:13:01 +0000http://www.beatmydebt.com/news-articles/small-businesses-given-credit-ajudicator.htmIf you are falling behind on your mortgage because money is being swallowed up by other debts, you need to reprioritise your payments or risk losing yFri, 26 Mar 2010 09:56:00 +0000http://www.beatmydebt.com/news-articles/debts-mean-I-am-struggling-to-pay-the-mortgage-will-debt-management-help.htmIf your company is wound up, you will be held responsible for its debts if you have given personal guarantees or the business trades while insolventThu, 25 Mar 2010 11:48:45 +0000http://www.beatmydebt.com/news-articles/are-directors-personally-liable-for-company-debt-if-a-winding-up-petition-has-been-received.htmJarvis, the railway maintenance contractor, has gone into administration putting jobs at riskThu, 25 Mar 2010 11:40:02 +0000http://www.beatmydebt.com/news-articles/jarvis-administration-puts-2000-jobs-at-risk.htmUK banks will be legally obliged to provide a basic bank account to all under plans unveiled in the Budget.Thu, 25 Mar 2010 11:25:53 +0000http://www.beatmydebt.com/news-articles/bank-accounts-promised-for-one-million-more-people.htmAn IVA will involve making payments towards your debt for five years and include regular reviews of your income. You could settle immediately lump sumWed, 24 Mar 2010 11:06:11 +0000http://www.beatmydebt.com/news-articles/can-a-lump-sum-be-used-to-settle-an-IVA.htmThe City watchdog has met with opposition to its proposals to ban riskier "100 per cent mortgages" which require borrowers to put down little equityWed, 24 Mar 2010 09:16:35 +0000http://www.beatmydebt.com/news-articles/fsa-faces-opposition-to-ban-on-100-percent-mortgages.htmCredit card cheques have long been an annoyance to many, and a source of temptation for those without the discipline to resist their high price.Tue, 23 Mar 2010 04:20:58 +0000http://www.beatmydebt.com/news-articles/mbna-drops-credit-card-cheques.htmBritish banks could be legally obliged to provide a basic bank account to every UK citizen under new plans to be unveiled in tomorrow's budget.Tue, 23 Mar 2010 10:02:32 +0000http://www.beatmydebt.com/news-articles/plans-to-provide-bank-accounts-for-all.htmDebt advisors have warned of a big rise in the number of local authorities in England and Wales using bailiffs to enforce unpaid council tax debtsMon, 22 Mar 2010 01:55:48 +0000http://www.beatmydebt.com/news-articles/councils-turn-to-bailiffs-to-recover-tax-debts.htmIf your company has debts which it is unable to pay, it is likely that it will receive a CCJ. Ignoring such action will affect the business’ creditMon, 22 Mar 2010 11:20:46 +0000http://www.beatmydebt.com/news-articles/my-company-cannot-afford-to-pay-a-CCJ-what-can-I-do.htmThe UK's economic recovery will remain "sluggish" for the rest of 2010 and not pick up pace until the middle of next year, the CBI warnsMon, 22 Mar 2010 09:55:25 +0000http://www.beatmydebt.com/news-articles/economy-will-not-pick-up-pace-until-summer-of-2011-warns-CBI.htmIf bailiffs have been instructed to collect a debt which you owe or you believe that a bailiff may be instructed, you must act quicklyFri, 19 Mar 2010 05:10:21 +0000http://www.beatmydebt.com/news-articles/I-am-being-threatened-with-bailiffs-what-can-I-do.htmOver 10 million people in the UK could fail a credit score due to not having enough of a credit history or not appearing on the electoral roll.Fri, 19 Mar 2010 10:58:01 +0000http://www.beatmydebt.com/news-articles/ten-million-could-fail-credit-score.htmAs businesses continue to face financial difficulty, business owners should be aware of the different strategies available to resolve company debtThu, 18 Mar 2010 04:15:44 +0000http://www.beatmydebt.com/news-articles/my-company-is-struggling-with-debt-what-are-my-options.htmHalf of all university students in the UK expect to graduate with more than £15,000 of debt, according to research.Thu, 18 Mar 2010 02:38:49 +0000http://www.beatmydebt.com/news-articles/university-students-expect-to-graduate-with-debts-in-excess-of-15000-pounds.htmIf you declare bankruptcy, this does not automatically mean that you will lose your home especially if you have little or no equity or are renting.Wed, 17 Mar 2010 08:50:08 +0000http://www.beatmydebt.com/news-articles/is-my-house-at-risk-if-I-go-bankrupt.htmThe Financial Services Authority said 54,055 people had their properties repossessed during the year, up from 46,945 in 2008.Wed, 17 Mar 2010 08:46:18 +0000http://www.beatmydebt.com/news-articles/home-repossessions-rise-by-fifteen-percent.htmBorrowers are struggling to repay much smaller amounts of debt than in previous years, according to one of the UK's biggest debt counselling charitiesTue, 16 Mar 2010 12:16:59 +0000http://www.beatmydebt.com/news-articles/debt-laden-borrowers-struggle-to-meet-basic-living-costs.htmMotorists should brace for record high petrol prices this year as the cost of unleaded fuel surges to £1.20 a litre or moreTue, 16 Mar 2010 12:02:48 +0000http://www.beatmydebt.com/news-articles/petrol-prices-heading-for-record-high-of-five-pounds-fourty-a-gallon-AA-warns-motorists.htmA record number of people contacted a debt charity last year - but in a quarter of cases their financial situation was so dire that no help was availaMon, 15 Mar 2010 11:15:56 +0000http://www.beatmydebt.com/news-articles/debt-charity-sees-record-number-of-calls.htmThe number of people with personal debt problems increased by 26 percent in 2009. The outlook for 2010 does not look any betterThu, 11 Mar 2010 09:21:44 +0000http://www.beatmydebt.com/news-articles/will-personal-debt-problems-continue-to-increase-in-2010.htmIf your company is failing because of the weight of historic business debt repayments, pre pack liquidation can write off debt Wed, 10 Mar 2010 12:24:23 +0000http://www.beatmydebt.com/news-articles/I-have-got-company-debt-problems-how-can-a-pre-pack-help.htmAlmost half of UK Small and Medium sized enterprises have lost an estimated £5.3bn in debts owed by trading partners who have gone bustWed, 10 Mar 2010 12:05:44 +0000http://www.beatmydebt.com/news-articles/SMEs-lose-money-from-insolvent-partners.htmIf you are considering bankruptcy be sure that you include all appropriate debts on your application form.Tue, 09 Mar 2010 09:45:31 +0000http://www.beatmydebt.com/news-articles/which-debts-can-be-included-if-I-declare-bankruptcy.htmThe era of free banking may be drawing to a close after Virgin Money said it plans to levy a charge for current accountsMon, 08 Mar 2010 01:40:54 +0000http://www.beatmydebt.com/news-articles/virgins-threat-to-free-banking.htmOver a quarter of individuals in debt management plans (DMPs) will have to face making payments for over ten years, according to figures released todaMon, 08 Mar 2010 12:27:28 +0000http://www.beatmydebt.com/news-articles/people-are-becoming-slaves-to-DMPs.htmBusiness leaders have called on chancellor Alistair Darling to draw up a clear and credible plan to cut the government's debt in this month's budget.Mon, 08 Mar 2010 11:33:14 +0000http://www.beatmydebt.com/news-articles/budget-must-include-credible-plans-for-debt-reduction.htmPoliticians should consider imposing VAT on food, children's clothes and household gas and electricity, a report from a think-tank suggests.Fri, 05 Mar 2010 12:57:13 +0000http://www.beatmydebt.com/news-articles/think-tank-calls-for-VAT-increases.htmFor many people, declaring bankruptcy is the best way to deal with a serious personal debt problem. However, the cost often rules out this optionFri, 05 Mar 2010 09:30:35 +0000http://www.beatmydebt.com/news-articles/I-want-to-declare-bankruptcy-how-can-I-afford-to-pay-the-court-fee.htmLenders have indicated that 2010 could see homebuyers struggle to secure a loan. But you can improve your chances of a successful applicationFri, 05 Mar 2010 09:15:58 +0000http://www.beatmydebt.com/news-articles/ten-of-the-best-ways-to-improve-your-chances-of-getting-a-mortgage.htmIf your company has debt which it cannot afford to pay, you could risk the business being wound up and the directors being held liable.Thu, 04 Mar 2010 02:23:57 +0000http://www.beatmydebt.com/news-articles/my-company-debt-cannot-be-paid-what-can-I-do.htmIf you receive a county court judgement this could lead to money being taken directly from your wages and even a charge being put against your house. Wed, 03 Mar 2010 09:30:28 +0000http://www.beatmydebt.com/news-articles/I-have-a-county-court-judgement-can-an-IVA-help.htmIf your company has debt which it is unable to pay, its creditors, particularly HMRC, could try to force the closure of the business with winding upTue, 02 Mar 2010 09:18:19 +0000http://www.beatmydebt.com/news-articles/I-have-company-debts-including-HMRC-will-pre-pack-administration-help.htmThe level of debts written off because defaulting borrowers will never repay them shot up in 2009, Bank of England figures have shown.Tue, 02 Mar 2010 09:13:06 +0000http://www.beatmydebt.com/news-articles/UK-banks-see-surge-in-bad-debts.htmBankruptcy is often the right solution to resolve a serious debt problem but an increase in cost due in April is likely to preclude manyMon, 01 Mar 2010 11:23:13 +0000http://www.beatmydebt.com/news-articles/the-cost-of-bankruptcy-set-to-rise.htmIf creditors have taken out a county court judgement (CCJ) against your company, the next step could be a winding up petition.Fri, 26 Feb 2010 09:56:37 +0000http://www.beatmydebt.com/news-articles/can-I-stop-a-county-court-judgement-with-pre-pack-administration.htmIf you are struggling to pay your debt it is likely that you will receive a county court judgement (CCJ). This could lead to a charging orderThu, 25 Feb 2010 10:34:59 +0000http://www.beatmydebt.com/news-articles/how-will-a-county-court-judgement-affect-my-home.htmThe government has announced plans to make it easier for people in financial difficulty write off their debts in Debt Relief Orders (DROs).Thu, 25 Feb 2010 10:30:25 +0000http://www.beatmydebt.com/news-articles/government-changes-to-debt-relief-orders.htmTwo thirds of personal insolvency cases have involved store credit cards, according to the latest survey of insolvency practitioners by trade body R3.Thu, 25 Feb 2010 10:21:15 +0000http://www.beatmydebt.com/news-articles/industry-warns-of-store-cards-danger.htmIf your business is unable to pay its debts, a company voluntary arrangement (CVA) could reduce your monthly payments and write off debt Wed, 24 Feb 2010 11:08:31 +0000http://www.beatmydebt.com/news-articles/how-can-I-reduce-my-company-debt-with-a-company-voluntary-arrangement.htmFive million Britons are permanently overdrawn, and rising inflation could force more to live on their overdrafts, says product comparison website.Wed, 24 Feb 2010 11:03:10 +0000http://www.beatmydebt.com/news-articles/five-million-brits-permanently-overdrawn.htmIf your company is struggling and likely to be wound up, your home could be at risk if you have given personal guarantees of repayment to the bank.Tue, 23 Feb 2010 11:18:53 +0000http://www.beatmydebt.com/news-articles/if-my-company-is-wound-up-could-the-bank-force-me-to-sell-my-home.htmAn IVA can protect your property against charging orders and even bankruptcy. However, your home may be at risk if you do not maintain your paymentsMon, 22 Feb 2010 12:58:59 +0000http://www.beatmydebt.com/news-articles/what-effect-will-an-IVA-have-on-my-home.htmAn important reform has come into effect for the millions of people who claim tax credits.Mon, 22 Feb 2010 09:43:47 +0000http://www.beatmydebt.com/news-articles/more-fairness-for-tax-credit-claimants.htmA former government advisor has called for an investigation into the profit margins of credit card companies.Sat, 20 Feb 2010 10:24:02 +0000http://www.beatmydebt.com/news-articles/credit-card-rates-unjustified.htmRetail sales on the UK high street suffered their sharpest monthly drop in 18 months in January as the snow and icy weather deterred shoppers.Fri, 19 Feb 2010 12:52:29 +0000http://www.beatmydebt.com/news-articles/retail-sales-suffer-sharp-drop-in-January.htmIf a charging order is issued against you, the associated debt will be secured against your home.Fri, 19 Feb 2010 12:04:11 +0000http://www.beatmydebt.com/news-articles/can-I-stop-a-charging-order-with-a-debt-management-plan.htmA winding up petition will stop your company trading unless you take immediate action. By implementing a CVA, winding up action will be stoppedThu, 18 Feb 2010 11:20:38 +0000http://www.beatmydebt.com/news-articles/how-to-stop-a-winding-up-petition-use-a-CVA.htmIf you are a homeowner and struggling with debt, your house could be at risk if you do not take the right precautions and chose the right solutionWed, 17 Feb 2010 10:07:34 +0000http://www.beatmydebt.com/news-articles/I-have-a-debt-problem-will-I-be-forced-to-sell-my-house.htmIf you need to close your company, there are costs involved which often need to be borne by the directors. Tue, 16 Feb 2010 09:25:02 +0000http://www.beatmydebt.com/news-articles/company-liquidation-what-will-it-cost-to-close-my-company.htmCredit card rates are at their highest for 12 years, according to new figures, despite interest rates being at a record low.Tue, 16 Feb 2010 09:19:46 +0000http://www.beatmydebt.com/news-articles/credit-card-interest-rates-at-their-highest-for-12-years.htmThere is growing concern over the number of people turning to gambling to survive the recession, a charity says.Tue, 16 Feb 2010 09:04:23 +0000http://www.beatmydebt.com/news-articles/concern-grows-over-gambling-to-beat-debt-in-uk.htmEvery day, HM Revenue and Customs petition for the winding up of companies which are unable to pay their taxes. Mon, 15 Feb 2010 12:04:15 +0000http://www.beatmydebt.com/news-articles/winding-up-are-the-rules-different-for-high-profile-companies-like-portsmouth-fc.htmTwo local councils have today been criticised by the local government ombudsman (LGO) for their handling of individual bankruptcies.Mon, 15 Feb 2010 11:51:11 +0000http://www.beatmydebt.com/news-articles/councils-slammed-over-debtor-bankruptcies.htmPlans by the Insolvency Service to streamline the bankruptcy application process therefore helping thousands of people in debt should not be dismissedThu, 11 Feb 2010 01:03:53 +0000http://www.beatmydebt.com/news-articles/plans-to-make-the-bankruptcy-process-easier-should-be-encouraged.htmThe number of homes repossessed by lenders rose by 15% in 2009, to the highest level since 1995, but there were signs of improvementThu, 11 Feb 2010 12:56:52 +0000http://www.beatmydebt.com/news-articles/repossessions-at-highest-level-since-1995.htmIf your company is issued with a county court judgement, this will reduce its ability access new credit and may lead to further action Wed, 10 Feb 2010 10:55:36 +0000http://www.beatmydebt.com/news-articles/how-will-a-county-court-judgement-affect-my-business.htmSenior credit professionals have slammed a government consultation ending today that could streamline the bankruptcy process.Wed, 10 Feb 2010 10:50:42 +0000http://www.beatmydebt.com/news-articles/industry-condemns-bankruptcy-plan.htmOfficial figures show 134,000 people were declared officially insolvent in 2009, a 26% increase on 2008. However the true number likely to be doubleTue, 09 Feb 2010 11:30:32 +0000http://www.beatmydebt.com/news-articles/personal-insolvency-figures-are-double-that-reported-by-the-insolvency-service.htmBorrowers in severe debt difficulties are being charged thousands of pounds in interest by a company that has bought their loans.Tue, 09 Feb 2010 11:24:33 +0000http://www.beatmydebt.com/news-articles/debt-management-plans-that-keep-adding-interest.htmRoyal Bank of Scotland and Lloyds Banking Group have been criticised by a committee of MPs for failing to lend enough to homeowners and businesses.Tue, 09 Feb 2010 10:58:34 +0000http://www.beatmydebt.com/news-articles/lloyds-and-RBS-failing-to-lend.htmThe number of companies closed due to insolvency in 2009 increased by nearly 23% over the previous year with little hope for improvement in 2010. Mon, 08 Feb 2010 10:50:04 +0000http://www.beatmydebt.com/news-articles/company-insolvencies-rise-dramatically-in-2009.htmA minimum level of consumer credit debt may be set in law before an order for sale can be issued, under proposals launched by the Ministry of JusticeMon, 08 Feb 2010 10:40:23 +0000http://www.beatmydebt.com/news-articles/moj-considers-minimum-debt-to-repossess-once-a-charging-order-is-in-place.htmGetting expert advice about how to resolve a personal debt problem is vital. The internet is a great place to start and act on personal recomendationFri, 05 Feb 2010 11:29:18 +0000http://www.beatmydebt.com/news-articles/which-debt-company-should-I-use-to-solve-my-debt-problem.htmThe number of people who were declared insolvent in England and Wales hit a record high in 2009Fri, 05 Feb 2010 11:15:08 +0000http://www.beatmydebt.com/news-articles/personal-insolvency-hits-record-high.htmDebt advice charities today denied they were turning away people with debt problems despite claims by MPs they were unable to copeFri, 05 Feb 2010 11:03:32 +0000http://www.beatmydebt.com/news-articles/charities-deny-they-are-unable-to-handle-volume-of-debt-inquiries.htmWithout sufficient cash, your business will fail. If your access to additional investment is limited, alternative options to save your business Thu, 04 Feb 2010 12:33:35 +0000http://www.beatmydebt.com/news-articles/my-company-is-struggling-what-are-my-options-to-improve-cash-flow.htmHigh unemployment and rising interest rates are expected to drive a 30 per cent spike in the number of people seeking debt management plans this year,Thu, 04 Feb 2010 12:27:51 +0000http://www.beatmydebt.com/news-articles/debt-management-plans-to-jump-by-third.htmSmall cash-strapped firms have been forced to turn to friends, family and personal credit cards to fund their business during the recessionThu, 04 Feb 2010 11:10:30 +0000http://www.beatmydebt.com/news-articles/cash-poor-companies-turn-to-credit-cards-for-funding.htmMPs described the Government's approach to advising people in debt as a "triumph of bureaucracy over practicality" and urged it to "shake up" its straThu, 04 Feb 2010 10:39:28 +0000http://www.beatmydebt.com/news-articles/debt-advice-service-cant-cope-with-leap-in-demand.htmEven those with a poor credit rating can open a new bank account. You just need to understand the right questions to ask.Wed, 03 Feb 2010 01:42:12 +0000http://www.beatmydebt.com/news-articles/opening-a-new-bank-account-if-your-credit-rating-is-poor.htmDespite the UK creeping out of the recession last month, 1,995 people are still made redundant every day, according to figures by Credit Action.Wed, 03 Feb 2010 10:25:46 +0000http://www.beatmydebt.com/news-articles/1995-people-made-redundant-every-day.htmIf a limited company is wound up, the directors could be liable for its debts if they have allowed the business to trade while it was insolvent. Tue, 02 Feb 2010 06:00:24 +0000http://www.beatmydebt.com/news-articles/what-happens-to-the-directors-if-a-company-is-wound-up.htmPersonal loan rates have hit a nine-year high despite the record-low Bank of England base rate.Tue, 02 Feb 2010 05:55:29 +0000http://www.beatmydebt.com/news-articles/personal-loan-rates-at-nine-year-high.htmMany people who try to open a basic bank account are wrongly refusedTue, 02 Feb 2010 05:39:30 +0000http://www.beatmydebt.com/news-articles/concerns-raised-over-bank-account-access.htmStruggling firms fail to seek third party help early enough, according to restructuring and insolvency group MCR.Tue, 02 Feb 2010 05:29:06 +0000http://www.beatmydebt.com/news-articles/firms-not-educated-about-dealing-with-failure.htmTV adverts offering people the chance to sell their unwanted gold by post are paying “shockingly low rates”, an investigation by consumer advice groupTue, 02 Feb 2010 11:08:24 +0000http://www.beatmydebt.com/news-articles/beware-the-TV-gold-scammers.htmIf you are in a debt management plan, getting a mortgage is not impossible. But you may need a larger deposit and pay a higher rate of interestMon, 01 Feb 2010 10:51:19 +0000http://www.beatmydebt.com/news-articles/can-I-get-a-mortgage-when-in-a-debt-management-plan.htmNew borrowing on credit cards, loans and overdrafts has outstripped the amount being paid back by UK consumers for the first time since June.Mon, 01 Feb 2010 10:46:57 +0000http://www.beatmydebt.com/news-articles/demand-for-credit-back-on-the-rise.htmIf your own business gets into financial trouble you could be personally responsible for the outstanding debt and your home may be at risk.Fri, 29 Jan 2010 11:44:47 +0000http://www.beatmydebt.com/news-articles/I-am-self-employed-how-can-I-save-my-failing-business.htmThe average Briton held readily accessible cash savings of 2,205 pounds at the end of 2009, little changed from the start of the yearFri, 29 Jan 2010 11:23:49 +0000http://www.beatmydebt.com/news-articles/average-briton-has-2205-pounds-of-cash-savings.htmWhere debt payments fall into arrears, creditors are increasingly applying for charging orders which will secure the debt against a propertyThu, 28 Jan 2010 11:42:16 +0000http://www.beatmydebt.com/news-articles/will-I-get-a-charging-order-if-I-cant-pay-my-debt.htmAs the economy begins a fragile recovery, winding up petitions will continue to be used as a method of debt collection. However beware the costWed, 27 Jan 2010 01:02:47 +0000http://www.beatmydebt.com/news-articles/what-does-it-cost-to-wind-up-a-company.htmA company called the IVA Review Board (IRB) is sending letters to debtors in individual voluntary arrangements (IVAs)Wed, 27 Jan 2010 12:52:23 +0000http://www.beatmydebt.com/news-articles/firm-suggests-debtors-should-stop-paying-their-IVAs.htmHomeowners who fall into arrears on their mortgage repayments are set to benefit from greater protection under new proposals from the FSAWed, 27 Jan 2010 12:38:10 +0000http://www.beatmydebt.com/news-articles/homeowners-in-arrears-to-get-greater-protection.htmThe recession may technically be over, but there are few signs that consumer spending and confidence will bounce back in a hurry.Wed, 27 Jan 2010 12:14:29 +0000http://www.beatmydebt.com/news-articles/the-new-consumerism-frugal-and-cautious.htmNew rules to protect mortgage holders who are in arrears have been proposed by the Financial Services Authority.Tue, 26 Jan 2010 04:53:21 +0000http://www.beatmydebt.com/news-articles/new-rules-over-mortgage-arrears.htmA pre paid card can be an ideal solution if you have no bank account or need to open a new account because of a debt problem.Tue, 26 Jan 2010 11:28:08 +0000http://www.beatmydebt.com/news-articles/should-I-get-a-pre-paid-debit-card.htmThe number of people over 60 forced to seek debt advice has doubled in just four years, according to figures from Consumer Credit Counselling ServiceTue, 26 Jan 2010 11:10:10 +0000http://www.beatmydebt.com/news-articles/more-over-60s-seek-debt-advice.htmLiquidation is used to close a company for good. It is not a complicated process. However steps need to be taken to protect the directors interestsMon, 25 Jan 2010 11:12:15 +0000http://www.beatmydebt.com/news-articles/how-can-I-liquidate-my-insolvent-company.htmQuestions have been raised over the quality of advice for people battling with debt after a pensioner’s year-long struggle to get out of the red. Mon, 25 Jan 2010 11:07:09 +0000http://www.beatmydebt.com/news-articles/conflicting-debt-advice-offers-no-relief.htmPeople in some of the poorest parts of the country are having benefits paid onto pre-paid cards, but many are not aware of the costs involved.Mon, 25 Jan 2010 10:51:31 +0000http://www.beatmydebt.com/news-articles/concern-over-pre-paid-card-costs.htmUsing an individual voluntary arrangement to solve your debt problem will affect your credit rating. Fri, 22 Jan 2010 12:04:11 +0000http://www.beatmydebt.com/news-articles/how-will-an-IVA-affect-my-credit-rating.htmThe Insolvency Service is seeking views on a proposal to allow debtors to file for bankruptcy online or by post, as part of a consultation.Fri, 22 Jan 2010 11:58:50 +0000http://www.beatmydebt.com/news-articles/bankruptcy-may-be-streamlined.htmThe total amount lost through defaults rose in the last three months of 2009 the Bank's Trends in Lending report said. Fri, 22 Jan 2010 11:33:58 +0000http://www.beatmydebt.com/news-articles/default-levels-on-credit-rise.htmBankruptcy can be an extremely effective way of dealing with debt problems. However if you are managing a company there could be serious implicationsThu, 21 Jan 2010 11:38:49 +0000http://www.beatmydebt.com/news-articles/If-I-declare-bankruptcy-what-happens-to-my-company.htmTens of thousands of borrowers face a shock jump in mortgage payments after Skipton Building Society plans to raise its standard variable rateThu, 21 Jan 2010 11:34:14 +0000http://www.beatmydebt.com/news-articles/mortgage-costs-leap-as-skipton-building-society-lifts-rate.htmThe traditional five year IVA payment period can be avoided and a debt problem resolved immediately if a cash lump sum is made available. Wed, 20 Jan 2010 11:40:41 +0000http://www.beatmydebt.com/news-articles/a-full-and-final-IVA-could-solve-debt-immediately-if-a-lump-sum-is-available.htmThere needs to be a sweeping overhaul of how the credit card industry allocates consumer payments, according to proposals by uk cards associationWed, 20 Jan 2010 11:36:10 +0000http://www.beatmydebt.com/news-articles/credit-card-industry-needs-to-give-customers-more-control.htmPre pack administration could be used to turn your business around if it is failing under the weight of debt. Historic debt is written off Tue, 19 Jan 2010 12:15:58 +0000http://www.beatmydebt.com/news-articles/how-can-a-pre-pack-save-my-business.htmThere has been a huge rise in the amount of money that banks are writing off as bad debts on their credit cards.Tue, 19 Jan 2010 11:52:02 +0000http://www.beatmydebt.com/news-articles/credit-card-bad-debt-write-offs-double.htmAn Individual Voluntary Arrangement (IVA) could be the answer to solve your debt problem enabling you to write off up to 50% of your debtMon, 18 Jan 2010 11:10:55 +0000http://www.beatmydebt.com/news-articles/can-I-use-an-IVA-to-solve-my-debt-problem.htm11.3 million UK households(44%) are dependent on more than one salary to cover billsMon, 18 Jan 2010 10:40:23 +0000http://www.beatmydebt.com/news-articles/increasing-debt-levels-force-4-million-parents-back-to-work.htmIf your company is in financial difficulty a company voluntary arrangement could put a stop to court action such as a winding up petitionFri, 15 Jan 2010 11:38:17 +0000http://www.beatmydebt.com/news-articles/how-can-a-company-voluntary-arrangement-save-my-business.htmThousands of households have taken out loans with interest rates averaging 825% during "worst Christmas in a generation" for illegal doorstep lendingFri, 15 Jan 2010 11:25:50 +0000http://www.beatmydebt.com/news-articles/loan-sharks-target-poorest-households-with-825-percentage-apr-loans.htmInaccurate information on credit files is preventing consumers from gaining access to credit, the Information Commissioner's Office (ICO) has said.Thu, 14 Jan 2010 11:34:23 +0000http://www.beatmydebt.com/news-articles/inaccurate-files-restrict-access-to-credit.htmGiven the combination of available cash and low interest rates, I find it surprising that banks seem to be making borrowing difficultWed, 13 Jan 2010 02:14:46 +0000http://www.beatmydebt.com/news-articles/are-the-banks-taking-us-for-a-ride-personal-loans-are-more-expensive-than-ever.htmSmall to medium sized enterprises (SMEs) have been forced to turn to bank overdrafts rather than business loans to finance their operationsWed, 13 Jan 2010 02:07:31 +0000http://www.beatmydebt.com/news-articles/small-to-medium-sized-businesses-resort-to-overdrafts-for-finance.htmHouseholders who have cranked up the heating over the past few weeks can expect to pay an extra £70 on their January fuel billWed, 13 Jan 2010 01:51:29 +0000http://www.beatmydebt.com/news-articles/cold-weather-adds-70-pounds-to-energy-bills.htmIf the current financial position of your business makes trading not viable, there are some very real steps you can take to save the companyTue, 12 Jan 2010 12:29:55 +0000http://www.beatmydebt.com/news-articles/company-in-trouble-tips-to-help-you-avoid-winding-up-the-business.htmThe new year is a prime time for consumers to seek out personal loans, often consolidating existing debts from Christmas. In January last year, for exTue, 12 Jan 2010 12:16:50 +0000http://www.beatmydebt.com/news-articles/personal-loans-to-soak-up-your-seasonal-excess.htmThe economy may have exited recession in the final three months of 2009, the British Chambers of Commerce said on TuesdayTue, 12 Jan 2010 12:08:05 +0000http://www.beatmydebt.com/news-articles/recession-may-have-ended-in-Q4.htmWeeks of arctic weather are not expected to endanger the economy’s anaemic recovery but could push thousands of businesses into failureTue, 12 Jan 2010 12:00:30 +0000http://www.beatmydebt.com/news-articles/cold-snap-threatens-recession-hit-businesses.htmBankruptcy may be the best solution for people who are struggling with debt. However they are put off because of they think they will lose their homeMon, 11 Jan 2010 11:45:46 +0000http://www.beatmydebt.com/news-articles/if-I-declare-bankruptcy-will-I-lose-my-home.htmMore than 4.5 million people are planning to take advantage of introductory credit card rates by moving more than £3.2 billion between credit cardsMon, 11 Jan 2010 11:39:05 +0000http://www.beatmydebt.com/news-articles/great-balance-transfer-cards.htmUp to one million households have borrowed money on a credit card to pay their mortgage or rent over the past year, a charity's study suggests.Mon, 11 Jan 2010 10:50:43 +0000http://www.beatmydebt.com/news-articles/shock-at-credit-card-mortgage-use.htmWinding up petitions are being used as a method of debt collection. However once a petition is granted, those owed money may receive no returnFri, 08 Jan 2010 12:51:59 +0000http://www.beatmydebt.com/news-articles/will-I be-paid-as-a-priority-if-I-issue-a-winding-up-petition-against-one-of-my-creditors.htmA committee of MPs has warned the government that it will be keeping a "keen eye" on policy on repossessions, in its response to the Pre-Budget ReportFri, 08 Jan 2010 12:36:24 +0000http://www.beatmydebt.com/news-articles/mps-keep-keen-eye-on-repossessions.htmUK interest rates have been kept unchanged at 0.5% following the Bank of England's latest meeting.Thu, 07 Jan 2010 12:50:34 +0000http://www.beatmydebt.com/news-articles/freeze-on-interest-rates-goes-on.htmThe Ministry of Justice guidelines to help inform people about debt management need to go further to cover the full range of personal debt solutionsThu, 07 Jan 2010 10:38:18 +0000http://www.beatmydebt.com/news-articles/I-am-in-serious-debt-which-debt-solution-should-I-use.htmSelf employed business people are personally liable for any debts that their business cannot repay. There are solutions that may be suitableWed, 06 Jan 2010 02:18:21 +0000http://www.beatmydebt.com/news-articles/my-self-employed-business-is-in-trouble-what-can-I-do.htmGuidelines on debt management plans have been published by the government to help people facing financial worries better understand their options.Wed, 06 Jan 2010 02:11:53 +0000http://www.beatmydebt.com/news-articles/ministry-issues-debt-management-guidelines.htmThe number of people in the UK taking out mortgages to buy a home rose again in November but the appetite for other loans and overdrafts continued to Wed, 06 Jan 2010 12:05:00 +0000http://www.beatmydebt.com/news-articles/borrowers-are-picky-about-loans.htmMortgage lenders will not be allowed to repossess homes without a court order or the borrower’s consent, under plans by the Ministry of JusticeTue, 05 Jan 2010 12:09:09 +0000http://www.beatmydebt.com/news-articles/ministry-targets-repossession-practice.htmA government scheme that gives households in England £400 off the cost of a new boiler has been launched.Tue, 05 Jan 2010 11:46:09 +0000http://www.beatmydebt.com/news-articles/boiler-scrappage-scheme-launched.htmMake a new year’s resolution to save for a rainy day and avoid falling into the debt trap when cash demanding emergencies strike.Tue, 05 Jan 2010 11:22:22 +0000http://www.beatmydebt.com/news-articles/make-saving-a-habit-in-the-new-year.htmUnder a new personal, social, health and economic (PSHE) curriculum, children as young as five will be taught how to look after their money to avoid gMon, 04 Jan 2010 09:57:08 +0000http://www.beatmydebt.com/news-articles/children-to-be-educated-about-how-to-avoid-debt.htmAlmost one in 10 people went into debt to pay for Christmas and six per cent are still repaying debts from a year ago, says a report.Tue, 29 Dec 2009 10:52:22 +0000http://www.beatmydebt.com/news-articles/christmas-debt-torment-for-one-in-ten.htmThe Bank of England won't raise interest rates from a record low until the fourth quarter of next year, according to a majority of 62 analysts polledMon, 28 Dec 2009 08:35:31 +0000http://www.beatmydebt.com/news-articles/no-interest-rate-hike-seen-until-fourth-quarter-2010.htmTrade credit insurers paid out a record amount in claims during the third quarter of 2009, figures from the Association of British Insurers reveal.??Mon, 28 Dec 2009 08:22:05 +0000http://www.beatmydebt.com/news-articles/credit-insurer-payouts-up-227percent.htmCreditors are imposing modifications on almost all individual voluntary arrangement (IVA) proposals despite the implementation of the IVA protocolThu, 24 Dec 2009 10:14:32 +0000http://www.beatmydebt.com/news-articles/protocol-fails-to-halt-iva-modifications.htmWhen times are tough, self employed people get in to personal debt because they borrow in their own name to support their business. Wed, 23 Dec 2009 09:40:06 +0000http://www.beatmydebt.com/news-articles/I-am-self-employed-and-have-a-debt-problem-what-can-I-do.htmOne in five parents have borrowed from their children’s savings account to tide them over during the recession, according to new research. Tue, 22 Dec 2009 10:13:49 +0000http://www.beatmydebt.com/news-articles/desperate-parents-raid-their-childrens-savings.htmThe Office of Fair Trading (OFT) has decided to drop its investigation into the fairness of bank overdraft charges.Tue, 22 Dec 2009 10:08:11 +0000http://www.beatmydebt.com/news-articles/OFT-regulator-drops-bank-charges-case.htmIf your company is in trouble and you are looking for ways of preserving investment cash, a company voluntary arrangement is a cheaper rescue solutionTue, 22 Dec 2009 09:57:29 +0000http://www.beatmydebt.com/news-articles/company-voluntary-arrangement-costs-less-than-pre-pack-administration.htmImplementing a debt management plan or an individual voluntary arrangement will have a negative impact on your credit rating. However, doing nothing aMon, 21 Dec 2009 06:02:39 +0000http://www.beatmydebt.com/news-articles/will-debt-management-or-an-iva-affect-my-credit-rating.htmBankruptcy is not an option for many business people as this solution will prevent them from continuing to manage their company.Fri, 18 Dec 2009 10:47:52 +0000http://www.beatmydebt.com/news-articles/can-I-declare-bankruptcy-and-run-my-business.htmWith an estimated 20,000 new cases of debt repayment problems coming to light each month, should other family members be worried that they will be lefThu, 17 Dec 2009 10:49:29 +0000http://www.beatmydebt.com/news-articles/can-I-be-responsible-for-someone-elses-debt.htmParents will spend an average of £442 on Christmas celebrations this year as gift shopping is squeezed in the downturn, according to a survey.Wed, 16 Dec 2009 03:36:37 +0000http://www.beatmydebt.com/news-articles/parents-spend-442-pounds-on-christmas.htmThousands of county court judgements are issued to companies in England and Wales every month. Receiving a CCJ will make trading made more difficultWed, 16 Dec 2009 12:44:05 +0000http://www.beatmydebt.com/news-articles/what-happens-if-I-receive-a-county-court-judgement.htmMortgage lenders are failing to follow rules designed to help people avoid repossession, according to a damning report published today.Tue, 15 Dec 2009 11:26:38 +0000http://www.beatmydebt.com/news-articles/lenders-ignoring-mortgage-repossession-protocol.htmMany home mortgage payments are at an all time low. However properties are still being repossessed at the rate of 3000 a month. Tue, 15 Dec 2009 11:15:42 +0000http://www.beatmydebt.com/news-articles/i-have-mortgage-arrears-what-can-I-do.htmWinding up petitions are being used to aid business debt collection because of the serious consequences for a company if they are ignoredMon, 14 Dec 2009 11:12:01 +0000http://www.beatmydebt.com/news-articles/what-happens-if-I-get-a-winding-up-petition.htmThe BBC soap opera Eastender has brought the issue of personal debt to the masses through its storyline involving Max and Tanya Branning.Sat, 12 Dec 2009 10:17:01 +0000http://www.beatmydebt.com/news-articles/eastenders-gives-the-debt-conversation-mainstream-coverage.htmDebt relief orders were introduced in April 09 to help people on very low incomes resolve their debt problems.Fri, 11 Dec 2009 11:28:20 +0000http://www.beatmydebt.com/news-articles/can-I-use-a-debt-relief-order.htmIf your company is in financial difficulty it may be possible to avoid liquidation and rescue the business by setting up a new phoenix companyThu, 10 Dec 2009 01:17:17 +0000http://www.beatmydebt.com/news-articles/when-can-I-use-phoenixing-pre-pack-administration.htmBankruptcy is thought of as something to be avoided at all costs. However, it may be useful to solve an unsecured personal debt problemWed, 09 Dec 2009 10:55:09 +0000http://www.beatmydebt.com/news-articles/should-I-declare-bankruptcy.htmIf your business is failing due to debt which you are unable to pay a company voluntary arrangement could be the ideal business rescue solution.Tue, 08 Dec 2009 10:37:35 +0000http://www.beatmydebt.com/news-articles/when-should-i-use-a-company-voluntary-arrangement.htmIf last week’s ruling about unfair bank overdraft charges had been different the banks would have been liable to repay millions of pounds of fees.Wed, 02 Dec 2009 10:16:56 +0000http://www.beatmydebt.com/news-articles/bank-charges-its-either-pay-now-or-pay-later.htmMillions of bank customers seeking billions of pounds of overdraft charge refunds have been dealt a major blow by a Supreme Court ruling.Wed, 25 Nov 2009 10:31:36 +0000http://www.beatmydebt.com/news-articles/banks-win-on-overdraft-fees-case.htmThe latest stage of the battle over overdraft charges will take place later this month, with a date now set for a judgement by the Supreme Court.Wed, 18 Nov 2009 10:30:14 +0000http://www.beatmydebt.com/news-articles/date-set-for-bank-fees-decision.htmThe recovery in the UK housing market was strong enough to survive the traditional summer slowdown, says the National Association of Estate Agents.Fri, 09 Oct 2009 05:01:07 +0000http://www.beatmydebt.com/news-articles/division-over-housing-recovery.htmYour credit rating depends largely on the state of your credit file. The better your credit file, the better your credit rating will be.Fri, 09 Oct 2009 04:47:50 +0000http://www.beatmydebt.com/news-articles/how-do-I-get-a-better-credit-rating.htmA new bank account may be required for different reasons. When managing a personal debt problem, a new account is often required to regain controlFri, 09 Oct 2009 04:41:06 +0000http://www.beatmydebt.com/news-articles/how-do-I-get-a-new-bank-account.htmHow to declare bankruptcyTue, 06 Oct 2009 04:09:16 +0000http://www.beatmydebt.com/news-articles/how-to-declare-bankruptcy.htmHouse prices are being supported by a shortage of property for sale, with Rightmove reporting the lowest stock levels for 18 months.Thu, 01 Oct 2009 05:15:19 +0000http://www.beatmydebt.com/news-articles/slump-in-property-for-sale.htmThere are an estimated 90 million old mobile phone handsets in the UK that could be making their owners some extra money in the current economyThu, 01 Oct 2009 05:10:54 +0000http://www.beatmydebt.com/news-articles/make-money-from-your-old-mobile.htmA woman has won a landmark legal victory after a judge wrote off her £8,000 credit card debt because she had wrongly been sold payment protectionThu, 01 Oct 2009 05:07:19 +0000http://www.beatmydebt.com/news-articles/judge-quashes-womans-8000-credit-card debt-in-landmark-ruling-on-mis-selling-of-payment-protection-insurance.htmWhen a home owner finds that they are no longer able to maintain their mortgage payments they may have to hand back the keys to the property and moveThu, 01 Oct 2009 04:52:10 +0000http://www.beatmydebt.com/news-articles/can-I-leave-my-house-and-then-declare-bankruptcy.htmThe outdoor and leisure clothing retailer Blacks is planning to resolve its financial difficulties by agreeing a Company Voluntary Arrangement (CVA)Wed, 30 Sep 2009 03:43:48 +0000http://www.beatmydebt.com/news-articles/CVAs-become-increasingly-acceptable-to-creditors.htmIf a company has failed, the Directors may often be left with significant personal debts which they are struggling to repayWed, 30 Sep 2009 03:38:44 +0000http://www.beatmydebt.com/news-articles/resolving-directors-personal-debt-problems-with-debt-management.htm-Tue, 08 Sep 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/avoid-house-repossession-what-is-the-pre-action-protocol.htm-Tue, 14 Jul 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/can-you-take-credit-after-individual-voluntary-arrangement-or-bankruptcy.htm-Sat, 04 Jul 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/the-calm-before-the-storm-steep-drop-in-corporate-insolvencies.htm-Fri, 19 Jun 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/bankruptcy-is-a-worryingly-easy-option-for-young-people-in-debt.htm-Fri, 19 Jun 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/what-happens-when-an-Administrator-is-appointed-and-how-are-staff-effected.htm-Thu, 18 Jun 2009 12:00:00 +0000http://www.beatmydebt.com/news-articles/individual-voluntary-arrangement-vs-bankruptcy-which-is-the-right-option.htm