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J Tillotson's Articles

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  • Personal Loans More Popular Than Higher Purchase
    These days you can buy almost anything on Hire Purchase; cars, electrical equipment, furniture etc. The 'Buy Now, Pay Later' tag line hooks us into paying an often extortionate interest rate just to get some new goodies. But is HP really the best way to buy?
  • Every Debt Problem has a Solution
    With so many of Britain's population in debt, it stands to reason that one single solution will not suit everyone. There are many ways to solve debt problems, and this is a quick guide to the most common.
  • Debt Panic: A Practical Solution
    Anyone who's experienced being in debt will understand the sheer panic that threatens to overwhelm you whenever the post arrives or the phone rings. The knowledge that you usually only have yourself to blame just exacerbates this feeling, and you may be tempted to resort to desperate measures to stop the seemingly endless spiral of money problems.
  • Relieve Yourself of your Debt Online
    Debt is a big problem facing much of Britain's population. The credit crunch aside, the general consensus is that people are heading towards a tendency to live beyond their means and follow a lifestyle unmatched by their budget. This is resulting in a spiralling debt which threatens to cause an upsurge in bankruptcies all over the nation.
  • Cheque your Credit Cards
    A new type of credit card fraud has swept the nation; credit conjuring. This magic trick is costing banks thousands of pounds, and swindled consumers face heartache and debt worries when targeted.
  • Credit: Dread It
    Credit is a lovely word. It conjures up images of free money, goods which you haven't paid for, and reckless spending. Debt isn't such a nice word. It makes you think of shivering around a Calor gas fire in a dark living room, unable to pay your electricity bill because all your money is being taken up with debt repayments. Endless red letters and phone calls demanding money you haven't got. But the two terms often go hand-in-hand.
  • An A – Z (almost) of Mortgages, part 2
    Following on from part 1, this continues with the quick guide to mortgages.
  • An A – Z (almost) of Mortgages, part 1
    The sheer amount of mortgage types can be intimidating to a first-time buyer, but this quick guide should help to simplify things a little.
  • Go Long on your Loan
    Because of the recent credit crunch, borrowers are choosing to pay more interest on their loans and mortgages in a bid to keep repayments at an affordable level. Borrowing is now being done over a much longer average term than in previous years.
  • Reclaiming Charges on your Credit Card
    You may have heard about the thousands of customers who have been reclaiming unfair charges levied by their banks, but what about the charges imposed by your card issuer? The principles for claiming back credit card charges is the same as bank charges.
  • Are you harassed by debt?
    It's often unclear just how far a creditor can go to retrieve their money from you. Because the lines between reasonable pressure and harassment are so blurred, many debtors who claim to have been harassed have simply been subject to a creditor who knows how far they can go. Likewise, some debtors may be victims of harassment by a creditor and not be aware of their rights.
  • Who's afraid of the big bad Bailiff? Part 2
    As mentioned in part 1, there are certain goods a bailiff cannot seize to repay your debts. These include anything necessary for a debtor's occupation, such a vehicle, books or perhaps a laptop computer. They cannot take anything which belongs to someone else, including goods on hire purchase, as these will not legally belong to you until the final payment is made. For the same reason, they cannot take anything which is rented. They also must not seize anything belonging to a child.
  • Who's afraid of the big bad Bailiff? Part 1
    The word Bailiff strikes fear into the hearts of many, and conjures up images of burly men breaking into people's houses and taking valuable goods to sell on to recover debts. Sadly, the reality is almost as scary, mainly because not everyone is aware of the ins and outs of bailiff jurisdiction.
  • No single solution to Britain's debt
    The papers and news broadcasts are full of the Government's plans to help the elderly, the disabled or the unemployed, but those who are living on the breadline aren't being considered because they still pay their taxes. It seems to be assumed that as long as you can pay the things the Government demand you pay, nothing else - like food, clothing and heating - matters.
  • Give your credit card a holiday
    Summer is the time of year when everything seems to rise; temperatures, parent's tempers – and interest rates. Specifically, the interest rates on credit cards. Card issuers have cottoned on to the fact that most Britons take their credit cards on holiday with them to avoid carrying cash around in a foreign country, but although you get added protection on purchases over £100 made with a card, it's not necessarily the ideal travel accessory.
  • Payday loans to subsidise income
    The cost of living has risen an astronomical amount over recent years, and is pegged to rise even more. Gas and electricity prices alone are expected to rise by up to 40%, yet salaries are looking at an increase of a meagre 3.7%.
  • Is finding a car loan driving you mad?
    It's coming to the time for the new '58' number plates to be brought out in the UK. Motorists everywhere will be clamouring for the latest models, and forecourts will be swamped.
  • Stamping out excess mortgage fees for first-time buyers
    The Royal Institute of Chartered Surveyors are pushing for a change in the current regime governing house buying, deeming it 'unfair' and 'inefficient'. If they are successful, it could mean that first-time buyers and less affluent pensioners will be exempt from paying stamp duty, and those buying houses priced at under £1m will pay significantly less tax.
  • Let Your Mortgage Earn You Money
    House prices have gone through a period of wild fluctuation recently, with the result that many people are wary of buying or selling property. Because of reluctance, or financial inability, to take out a mortgage on a new property, the rental market has soared.
  • Does your insurance exclude you? Part 3
    Final part of a three-part guide on the various exclusions encountered within insurance policies. Never be refused a claim again!

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