I have £40,000 of unsecured debts - £20,000 on two credit card defaults - but having never missed a mortgage payment in 12 years, is it possible to obtain a mortgage?

Every year most of us leave sorting out our holiday spends to the last minute, pushing up the cost. Check out our timeline to take advantage of the best cheap travel spending deals.

Challenger bank, Tandem has launched a new best-buy credit card offering those without a perfect credit rating free holiday spending and cash withdrawals. We take a look.

Some longstanding Virgin Money credit cardholders have been left with charges on their accounts after discovering they had only been making minimum direct debit payments.

Last year 71,000 people used an IVA to become insolvent, a record. But are they being driven by firms looking to make money off debtors looking for advice, regardless of whether it's the right choice?

Virgin Money is refunding loyal customers hit by interest charges after they unwittingly only made minimum payments on their new Virgin Atlantic credit cards.

Households are increasingly saving less and getting into more debt and a payday loan crackdown hasn't solved the problem. This is Money rounds up some of the start-ups trying to help

Nearly three quarters of women said they'd think twice about someone if they debts, compared to 69 per cent of men, according to research from comparison website Finder.

A long-standing Virgin credit cardholder has accused Virgin Money of 'purposely misleading people for financial gain' after it refused to refund interest charges he incurred on his account.

Future Finance does recommend students go through Student Finance first, but the cost of repayments should be a red flag for any students considering this option.

Paying a £3,000 credit card bill over two years could cost £1,979 more in interest to an appliccant with a bad credit rating, according to data from TotallyMoney and Moneycomms.

Dave Parr, 38, rang up Three in June to ask for a phone upgrade. Because he asked for a different delivery address, they thought it was fraud and when they couldn't contact him filed a fraud marker.

Ferry passengers incur the charge if they want to be dropped off or picked up by car, or park for the ferry at the end of the half-mile pier.

Have you ever checked your credit report?  If the answer is no, the likelihood is: someone else has. We reveal five top tips for those who have never cast an eye on their financial CV.

American Express and Vitality have launched a new cashback credit card with a difference. The more exercise you do, the more you earn - up to an eye-catching 3 per cent. But is it any good?

If you are someone who is looking to start the new year by paying off more of their debt, This is Money and its personal finance experts are here to help.

Britons paid back more on their credit cards than they borrowed in November - the first time this has happened in more than six years, according to official figures.

Tandem Bank is scrapping its existing, popular, cashback credit card for a membership deal offering a 1.5 per cent savings rate and a credit card that charges no interest, ever. Is it any good?

Those looking to cheaply clear their debts this January could take advantage of 0% balance transfer cards which charge no fees, provided they are happy to pay their balance off quicker.

Britain's largest banking group, which owns Lloyds, Halifax and Bank of Scotland, spelled out changes aimed at those in 'persistent debt' for 36 months.

Visa's scheme marks the first time all the UK's banks will pay small stores to offer cashback. Beccy Soper (pictured), of Beccy's Greengrocers in Stockbridge, Hampshire, said: 'It's a win-win'.

In an unusual case, four decades of sticking with Lloyds Bank was the main reason behind a Hertfordshire man obtaining a £12,000 mis-sold PPI payout.

UCAS will stop sending out emails advertising private student loan provider Future Finance, the student charity announced today, following a backlash over the promotions

A shopper who used buy now, pay later service Klarna to pay for a £199 vacuum cleaner in three 'interest-free' instalments was left confused after he was charged an extra 4.5%.

Many of us know that having a good credit score is key to getting accepted for the cheapest cards, loans and mortgages but many still believe in common credit score myths.

The Foreign Office has now advised against all overseas travel, it's likely cancelling holidays is further up people's priorities than booking new ones - so what can air miles be spent on?

The UK economy is built on spending, often fuelled by debt - credit cards, personal loans, car finance. We don't want to shrink it, only keep it manageable; and keep the Jenga tower from falling.

Barclaycard, Sainsbury's Bank and Tesco Bank have cut interest-free deals over the last month, some of which are the best around, as lenders evaluate their offers amid the coronavirus outbreak.

The Bank of England's latest credit conditions survey revealed lenders believe the availability of household unsecured credit will decrease between April and June amid coronavirus.

Next to a picture on social media app Snapchat of Ryan Reynolds teasing news about upcoming superhero film Deadpool 3, is a 'sponsored' post with its own teaser: that you can write off debt.

The Financial Conduct Authority said many were encouraged by the publicity blitz it launched in the summer of 2019 to warn consumers that they had limited time left to make a complaint.

Households paid back a whopping £3.8bn more than they borrowed in March, the biggest figure on record, as households shunned their credit cards in the face of the coronavirus crisis.

Newcomers to American Express now have more time to rack up points bonuses for their credit card spending, with the card provider doubling the length of some of its welcome offers.

Customers of Virgin Money rounded on the bank after it suspended their credit cards, despite many of them not struggling with their repayments and clearing their balance in full.

Are you investing in the things that will help make the future that you want possible? Maybe it is something that we should all at least consider.

It’s so easy to come up with stories to tell ourselves to justify spending money. So I’ve started building up an armoury of reverse arguments to tell myself to help save.

Filling out a simple application form can feel like running a gauntlet of spam. One wrong move and you could be pelted with ‘special offers’, junk mail and interrupting text messages for eternity.

Economics and comedy. Not a conventional pairing.But after spending a weekend at the world’s first economics and comedy festival, I can tell you they’re a match made in heaven.

What about saving a few hundred - or even thousand - pounds right at the beginning of the year? You’ll improve your bank balance and turboboost your resolution.

Walking down the high street with friends on Saturday, we heard an elderly gentleman at a cash machine shout: ‘My card! They’ve taken my card!’

Navy Retired, in Merseyside says: ‘If you are a British Gas customer, you might as well put £200 - 300 down the nearest drain. Switch - it is so easy.’ I think he or she is bang on the money.

I've been monitoring an online sale for over a year now and it never reverts back to its standard price. I've been taking screen grabs and now it's time to fight back.

As consumers we endlessly battle to reduce our impact: take the train instead of driving, decline plastic straws, eat free range. As investors we can maximise our impact, using our cash to do good.

I don't have a Vanguard account, but if someone said they wanted an easy and cheap way to build their wealth, opening one and picking a Lifestrategy fund would be near the top of my list of things to try.

A microadventure doesn't involve an expensive expedition, but just getting out of the rut of the daily grind and exploring the world around us on a shoestring. It's the perfect antidote to gloomy politics.

For all the confidence-boosting talk of a Boris bounce for the economy, shares, and the property market, it is the pound that tells the real story.

The financial watchdog was right to crackdown on costly daily charges and even more expensive unauthorised borrowing. Its mistake was to trust the banks and not cap rates.

House prices have only ever been as expensive as they are now compared to wages twice in the past 120 years, but surprisingly before that they were considerably more costly, a deep dive shows.

The little-known salary sacrifice tax break for electric cars combined with a new zero rate benefit-in-kind rate could be a game-changer for green motoring.

The top rate of income tax is officially 45p, yet the removal of the personal allowance means the real top rate is effectively 60p - and those who pay it are not Britain's top earners.