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Loans

NO END IN SIGHT FOR RISE IN PERSONAL INSOLVENCY FIGURES

The latest figures, for the third quarter, confirmed that the number of Britons filing for insolvency had risen by 6.2%  - from 33,073 to 35,242 - in the three months to the end of September, and were 28.2% higher than this time last year. The total comprised of 18,347 bankruptcies, 12,390 individual voluntary arrangements and 4,505 debt relief orders.

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A BRITON BECOMES BANKRUPT OR INSOLVENT EVERY 3.97

One person is declared bankrupt or insolvent nearly every four seconds in the UK, according to new figures released by debt charity Credit Action.

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STEPHEN FRY ENDORSES RESEARCH LINKING DEBT AND MENTAL HEALTH PROBLEMS

Financial difficulties can trigger or exacerbate mental illness and tough economic climates tend to result in increased demand for mental health services.

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UK DEBT STILL INCREASING

Debt charity Credit Action has unveiled new statistics revealing that personal debt in the UK is continuing to rise, although the rate at which it is doing so has slowed down.

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Banking

ABBEY DAYS FOR BANK CUSTOMERS - NEW SANTANDER ZERO CURRENT ACCOUNT

In keeping with the model for the Zero credit card introduced by Abbey its Zero Current Account promises not to charge flat fees for customers using an unauthorised overdraft.

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CALLS MADE FOR SCHOOLS TO TEACH PERSONAL FINANCES

One of the UK's leading life insurance firms is set to petition the government over the need for schools to teach lessons on personal finance.

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CURRENT ACCOUNTS WITH X-FACTOR

Traditionally, current accounts were simply designed as a means to house money that you needed to use on a day to day basis. They offered little in terms of in-credit interest – that was the role of a savings account – and they certainly didn’t attract customers with supplementary insurance products or perks. There are a number of accounts, though, that will offer a ‘package’ of products in exchange for a monthly fee.

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ALLIANCE AND LEICESTER OFFERS 100 POUND BONUS FOR CUSTOMERS SWITCHING CURRENT ACCOUNTS

The most tempting current account offer staring this week is from the Alliance & Leicester. Anyone opening an A&L Premier Current Account will receive a £100 cash bonus deposited straight into their account.

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Credit Cards

AA REWARDS CREDIT CARD - DRIVERS CAN SAVE AT THE PUMPS

With fuel prices set to pass £5 per gallon before Christmas, the new AA Rewards Credit Card could help to ease the pain for drivers, especially if they are also AA members.

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DONT CASH IN ADVANCES ON YOUR CREDIT CARDS

Credit card providers have upped the rates they charge for cash advances in the last 12 months with the average cash APR now at 25.37%. The average rate in November 2008 was 24.8%.

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CREDIT CARD USERS REPAY 98% OF DEBT EACH MONTH

Credit card users have repaid 98 per cent of all the money they borrowed each month over the first half of 2009(1) according to analysis by Moneyexpert.com

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BONUSES ON CREDIT CARD BALANCE TRANSFERS

Unfortunately, with Christmas coming up, using a credit card for new purchases can be unavoidable. Fortunately some cards offer respectable balance transfer deals as well as 0% offers on new purchases.

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