Author: Philip Edwards

Table of Contents Adverse Credit Meaning What is an Adverse Credit History? How Do I Know If I Have Adverse Credit? What Causes Adverse Credit? What Types of Loans Are Available with Adverse Credit? Bad Credit Loans Guarantor Loans  Secured Loans  How to Fix My Adverse Credit FAQ on Adverse Credit History Is a Default […]

Table of Contents What is the Difference Between P45 and P60? What is a P45 Form? Why Do I Need a P45? What Information is on a P45? What is a P60 Form? What Information is on a P60? The Difference Between P45 and P60 in a Nutshell Sum up P45 vs. P60: FAQ What […]

Table of Contents What Is a Prepayment Meter and How Do They Work? Reasons You Might Owe Money on a Prepayment Meter Unexpected Energy Usage Tariff Changes Technical Issues with the Meter Standing Charges Debt From Previous Residents or Meters Charges For Missed Appointments Managing Overdue Balances on Prepayment Meters Temporary Credit Repayment Pauses or […]

Table of Contents Government-Based Funding Options Tuition Fee Loans Maintenance Loans Supplementary Grants University and College-Specific Funding Bursaries and Scholarships Hardship Funds Private and Charitable Trusts Scholarships and Fellowships Educational Charities Professional and Career Development Loans External Funding Resources Final Thoughts Navigating the financial landscape of higher education can take time and effort for UK […]

Table of Contents What is a Loan Shark? How Loan Sharks Operate How to Check if a Lender is Authorised Reasons to Avoid Loan Sharks How to Spot a Loan Shark in the UK What to Do if You Owe Money to a Loan Shark Consider Authorised Lenders Summary When you need quick cash, you […]

Table of Contents 4 Types of Car Finance Options 1. Personal Contract Purchase (PCP) 2. Hire Purchase (HP) 3. Personal Loan 4. Leasing What Credit Score is Needed to Finance a Car? Why is Credit Score Important? How Does Credit Score Affect Car Finance? What is a Good Credit Score to Buy a Car in the UK? What […]

Table of Contents 9 Things That Affect Your Credit Score Payment History Length of Credit History Default Credit Mix New Credit Credit Utilisation Ratio Financial Associations Public Records Electoral Roll Registration What is Considered a Good Credit Score? What is Considered a Bad Credit Score? Why a Good Credit Score is Important? Benefits of a […]

Table of Contents What is a Bridge Loan? How Do Bridging Loans Work? What is the Maximum Amount in the UK? What is the Average Interest Rate? How Much Do Bridging Loans Cost? Bridging Loan Example Types of Bridging Loans First-Charge and Second-Charge Loans Open and Closed Fixed and Variable Pros and Cons of Bridging […]

Table of Contents What is Student Loan Overpayment? 4 Reasons Why Student Loan Overpayment Happens Administrative Errors Early Repayment Salary Fluctuations Plan Transitions Should You Claim Money Back if You Overpaid? How to Reclaim Student Loan Overpayment 1. Confirm Your Overpayment 2. Gather Your Documentation 3. Submit Your Student Loan Overpayment Refund Request 4. Choose Your Refund Method 5. Follow-Up […]

Table of Contents What is a County Court Judgement? How Long Does a County Court Judgement Last? What to Do If You Receive a Letter from the County Court What Happens If You Ignore a County Court Judgement How to Pay a CCJ Step 1: Obtain Judgement Details Step 2: Reach Out to the Creditor […]