Bank switching, credit, budgeting and financial resilience for everyday households.
What do you need to work out?
Pick the closest match. Each path leads to a curated cluster of guides.
I want to switch bank
The switch guarantee, what moves, what to check.
5 guides →I want to understand my credit
Credit files, scores, how to improve them.
6 guides →I'm thinking longer term
Savings, budgeting, planning ahead.
6 guides →I'm struggling to make ends meet
Hardship support, debt help, your rights.
2 guides →Editor’s picks
See all 19 guides →Key Guide
4 guidesCore Guide
4 guidesDeep Dive
4 guidesSupport & Rights
2 guidesThe full library
Showing 6 of 19 guidesSection 75 & Chargeback Explained
• Section 75 protects credit card purchases between £100–£30,000 • Chargeback applies to debit and credit cards • Section 75 creates joint liability between lender and retailer • Chargeback is a voluntary card scheme process • Always raise disputes as soon as possible
Deep DiveFCA Authorisation Explained
• FCA regulates financial firms in the UK • Authorised firms must meet conduct rules • You can check the FCA Register • Authorisation provides complaint rights
Deep DiveCooling-Off Periods Explained
• Online purchases usually have 14-day cancellation rights • Financial products may have 14 or 30 days • Some goods (e.g. personalised items) are excluded • Must notify retailer clearly • Written notice usually required
Deep DiveBreathing Space Scheme Explained
• Breathing Space pauses most creditor enforcement for 60 days • Interest and charges are frozen during protection • Must be arranged through an authorised debt adviser • Mental Health Crisis Breathing Space has extended protection • It does not write off debt — it provides temporary relief
Deep DiveDebt Management Plans Explained
• A DMP is an informal agreement to repay unsecured debts • You make one affordable monthly payment • Interest and charges may be frozen (but are not guaranteed) • DMPs affect your credit file • Free regulated providers are available
Deep DivePriority vs Non-Priority Debts Explained
• Priority debts carry serious legal consequences • Rent, mortgage, council tax and energy are usually priority • Credit cards and loans are usually non-priority • Protect housing and utilities first • Free debt advice can help prioritise correctly