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What Is Irresponsible Lending?

Before loaning you money or offering credit, lenders should complete checks to ensure you’re able to afford repayments. If they don’t, this is known as irresponsible lending and can lead to significant loan and credit card debt for the customer. Read on for more information about the signs of irresponsible lending and what to do…

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How To Overcome Debt Depression

Debt can be overwhelming. For many, the burden of financial stress leads to a decline in mental health, with debt-related depression being a serious concern. The stigma surrounding debt can make it hard for individuals to seek help, which can result in feelings of isolation. This guide will explore how debt impacts mental health, offer…

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How To Find Lost Pensions

Over the course of a career, many of us change jobs multiple times, moving between employers and pension schemes. It’s easy to lose track of workplace pensions, and with an estimated £19.4 billion sitting in unclaimed UK pension pots, you’re not alone if you’ve forgotten about a pension from years ago.  Finding lost pensions is…

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Rise of Buy Now Pay Later Schemes

In recent years Buy Now, Pay Later (BNPL) services have grown in popularity, allowing consumers to make purchases without paying the full cost straight away. While splitting the payment over a period may seem like a good way to make larger purchases more manageable or unexpected expenses easier to afford, there are potential drawbacks to…