I hope you have decided that approaching your creditor(s) by letter is the best way forward. For perhaps the most important thing in your dealings with companies is making sure there is a record of ...

My slang dictionary [Jonathon Green, Cassell] shows a lot of ‘shark’ and ‘sharks’ and there are two basic concepts - the trickster and the specialised ‘supplier of private loans at maximum interest’. I will put ...

There are important things to do if you find yourself in a position where you can no longer maintain repayments on any loans or credits. I have written separately on the moment of panic, and ...