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3 August, 2011

Zinda v Bank of Scotland Plc

[2011] EWCA Civ 706

1 August, 2011

CML ‘disappointed’ at Scottish government decision affecting repossessions in Scotland

RBS v Wilson judgment has led to lenders needing to serve a calling up notice and wait two months before starting court proceedings for repossession.

27 July, 2011

6.2 million households financially vulnerable

Consumer Credit Counselling Service predicts significant increase in people seeking help with debt as more households fall into financial difficulty.

26 July, 2011

Concern about debt burden of low income households

Consumer Credit Counselling Service highlights that unsecured debt of those earning up to £13,500 a year is £12,870 which averages 199 per cent of their annual income.

25 July, 2011

Household Finance Index lowest for over 2 years

Report published by Markit shows that 38 per cent of households saw their finances deteriorate since the previous month.

21 July, 2011

Consumer Finance Association launches new code of practice for pay day lenders

Customer commitments include, seeking to establish that customers can afford repayments, and making sure applicants are shown total cost of repayment clearly and prominently before they apply for a loan.

21 July, 2011

Citizens Advice responds to consumer credit and personal insolvency review

Charity 'disappointed' that government concludes there is no need for changes to personal insolvency and debt remedies.

20 July, 2011

Government publishes response to call for evidence on personal insolvency review

Proposals include strengthening voluntary codes of forbearance where debtors need to seek debt advice or recover from sudden income loss, and a consultation on how to facilitate access for bankrupts to a basic bank account.

20 July, 2011

25 per cent increase in Scottish insolvencies in first quarter of 2011

However, Accountant in Bankruptcy statistics show one per cent decrease in number of people declared insolvent on the same period last year.

19 July, 2011

19 July, 2011

Insolvency Service publishes Annual Report and Accounts 2010/2011

Figures highlight number of personal insolvencies, bankruptcies, debt relief orders and individual voluntary arrangements.

14 July, 2011

Government needs to take action to improve energy efficiency of people’s homes

Citizens Advice responds to fuel poverty statistics which show that 5.5 million people in the UK now face living in freezing conditions.

14 July, 2011

6.2 million households identified as financially vulnerable

Consumer Credit Counselling Service research shows that 3.2 million people are in financial difficulty with a further 3 million 'at risk' of getting into financial difficulty.

13 July, 2011

Government must not forget poorer homeowners

TUC report calls for a new approach to housing policy and says that although more people want to own their own homes, home ownership does not always bring prosperity.

8 July, 2011

Energy price rises will push more into fuel debt

Citizens Advice responds to recent price rise announcement by British Gas.

5 July, 2011

Parents must each earn at least £18,400 in 2011 so their family can live to an acceptable standard

Report published by Joseph Rowntree Foundation also reveals that the minimum cost of living is 5 per cent higher than in 2010.

30 June, 2011

Inconsistent treatment prevents disabled people from addressing their debts

People with disabilities face extra difficulties dealing with their debt problems as creditors fail to recognise specific needs or make reasonable adjustments, says Citizens Advice.

28 June, 2011

Insolvency Service launches consultation on its delivery strategy

Internal consultation considers reshaping the way in which it carries out business and delivers services going forward.

28 June, 2011

Rising interest rates could cause ‘wave of reposessions’

Richard Banks, chief executive of UK Asset Resolution says a policy of 'tough love' would be fairer to people facing long-term difficulty in keeping up payments, reports