Ask an expert - Credit & loans

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Why am I the invisible man?

When I try to apply for credit, no-one seems to know I exist. What can I do to help myself get credit in the future?...
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Egg card websiteWill the FSA fine help me reclaim Egg PPI?

I was mis-sold payment protection insurance on my Egg credit card, will the FSA's recent action against Egg help me reclaim the PPI?...

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Credit cardsHelp! We owe £52,000 on cards and loans

My girlfriend and I are paying £2,000 a month servicing debts on credit cards and loans with no hope of ever paying them off. What should we do?...
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credit card money statements calculatorWhy have credit card firms refused me?

I want to transfer my £7,000 credit card debt to one offering a 0% balance transfer deal. Although my credit rating is good, I keep being rejected ...

Angry Father and SonWill our wayward sons cost us dearly?

Two fathers are worried that debts run up by their sons may have an impact on their own credit ratings...

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DEATH & FINANCES

Funeral Dealing with a loved one's finances after death can be difficult and complicated.
>> Read our guide

Man and his documents, share certificatesCan I escape from my wife's debts?

Does the law allow a husband to avoid responsibility for his wife's debts by publishing a notice in the newspapers?...
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Woman in debt, bills, statementWhich debt escape route is best for me?

Can you explain the different types of debt management programmes and if there is a time limit on debt repayment?...
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Woman using her credit card abroad.  Using debit cards abroad can be just as costly as credit cards.Can we get the right credit card in Spain?

I'm a Brit living in Spain looking for a credit card that will accept a balance transfer. Can you help?...
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Woman in debt, bills, statementStill trapped by ex-husband's debts

I got a divorce after years of trying to cope with my husband's debts, but even now I cannot escape from the vicious circle his money problems have created ...
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Woman using her credit card abroad.  Using debit cards abroad can be just as costly as credit cards.Is this a purchase or a cash advance?

If I use my credit card to pay a monthly loan instalment how will the card company treat the transaction – as a purchase or a cash advance?...
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Woman and credit cardsI can't cope with credit card debt

I need a loan to clear my credit card debt but banks don't want to lend to me...
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Mobile phone being chargedWill phone line affect my credit rating?

I'm thinking of cancelling my landline but I have been told this may adversely affect my chances of getting a mortgage. Is this true? ...
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CREDIT CARD CHARGES

Capital One credit card All main card companies have cut their penalty fees to £12. But some have found another way to charge you. Read on.

FURTHER INFORMATION

A worried man If you can't find a suitable answer, visit our debt guides for further information.
>> Debt guides

Bills, statements, debtAmex chasing me for a bill I already paid

I used a debt management agency to come to arrange with my creditors to clear my debts, but now a debt collector says I owe Amex £197.06...

egg cardForget Egg, what are the best credit cards?

I pay my balance off every month, and have not received a letter from Egg cancelling my credit card - yet! But I still want to move, what are the best cards?...
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credit cardsStudent: Are credit cards really so bad?

I am a student and have quite a bit of debt. I'm thinking of taking out a credit card, but is this a wise move?...
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THE DEBT TEST

A man looking at bills Find out if your debts are a problem. Take our 12-step debt test (average score 8).
>> Debt test

Woman in debt, bills, statementWho pays off the debts of the deceased?

My husband took out a £20,000 loan to buy a kitchen before he recently died in a car crash. Do I still have to pay it?...
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Worried borrowerAre incredibly low loan rates a trick?

I have seen some very cheap interest rates on loans on the internet eg 2.8%. What do I need to be wary or aware of and is there a catch? ...
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Eiffel Tower French card folly

I tried to book a holiday with lastminute.fr, the French version of lastminute.com, but it will only accept a credit card issued by a French bank for payment...
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YOUR PPI RIGHTS

Michael Caine in Zulu Are banks allowed to force you into taking a policy? Adrian Lowery spells out your rights when it comes to PPI

FEE-FREE 0% TRANSFERS

Credit cards Only three cards now offer 0%, fee-free balance transfers. This is Money has compiled the definitive list.

Rate rises will hit homeowners hardWill my tenant's bad debts affect me?

My tenant has left the country, but all his unpaid bills still come to my house. Will this affect my credit file?...
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Worried young womanWhy has the student loan rate increased?

Why has the government increased the APR on student loans from 2.4% to 4.8%?...
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Credit cardsDesperate to escape from credit card debt

My mother has racked up a large amount of debt on her credit card and is struggling to pay it off on her pension. What should she do?...

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