The cost of dementia to the UK has hit £26 billion a year, according to a recent report published by the Alzheimer’s Society....
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In many instances we've found that some of us have had the limits on their credit cards increased without making any request for this to be done. This happened when they received a monthly statement indicating the increase or a letter confirming it. It is the responsibility of the financial provider to give due regard to the interests of the consumer - you - and to treat them fairly.
In a number of cases, Banks and Building Societies did not check whether these increases would be affordable and have provided the consumer with temptation at times when they were in financial stress. It did, however mean that the consumer could use the increased credit facility despite the fact they had neither requested it or could afford to repay it!
When you’re asked to give a guarantee for a family member of close personal friend – or, if you’re in business, asked to guarantee the obligations of your business – think very carefully about this before you sign on the dotted line!
Television adverts offering loans are not a new thing. What is new is that we’re now seeing adverts offering loans to people provided they are able to provide a guarantor to support their loan. It’s also not unusual for a parent to be asked to guarantee the obligations in a tenancy agreement of a child who may be living and working away from home or is attending University or College.
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