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Debtwizard 5 point guide to bank charges following the Supreme Court ruling
So what happens now that the Supreme Court has ruled in favour of the banks? Can the OFT appeal against this ruling?
What will happen to the 1.1 million cases just sitting in the courts, what can consumers do now?
We have two articles on of interest;
Banks win Supreme Court case on bank charges
Debtwizard 5 point guide to bank charges following the Supreme Court ruling
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Would you benefit from a benefit check up?
People in the UK are missing out on benefits and tax credits worth more than £8 billion a year. Here we can direct you to an easy to use website that can help make sure you get what is yours.
Just insert into the calculator the details of your income, council tax bill and any savings. A click will reveal your full entitlement on all the main benefits; council tax & housing benefit, working...
Click here to see more on this article and benefit calculator link
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SunTalk - internet radio arm of the Sun newspaper - Friday 27th Nov
Mike will be live in the studio at 11.30 am Friday 27th November taking your calls, emails and texts on how to resolve your debt issues.
You can submit a question, or send your queries to
This e-mail address is being protected from spambots. You need JavaScript enabled to view it
or text 87131 or call 020 33 64 7000 and get the answer.
In case you missed the last cracking show, you can listen to it for free:
Debtwizard on SunTalk podcast 30 Oct 09
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 Repossession figures don't tell the full story
The total number of repossessions in the three quarters of 2009 stands at 35,800, with the CML predicting 48,000 for the whole of 2009.
Mike feels people are being duped into thinking that house repossessions are falling.
You can read the four good reasons that fuel his argument and further comment at
Debtwizard challenges the house repossession figures.
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Civil servant with £35,000 of debt
A 23 year old civil servant owed £35,000 on credit cards, loans and a bank overdraft and was referred to us by her Welfare unit.
Payments to her creditors amounted to £930 each month, this from a take-home pay of £1,125 leaving just £195 a month to live on and pay for rent, utilities etc:
We detail the facts, the advice and the outcome with our case study;
Civil servant resolves £35,000 of debt
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What is a 'door step lender?'
For some, it’s hard to find credit easy to come by, especially if there is no or a poor credit history or if means are limited because of unemployment.
Many consumer groups criticise doorstep lending firms for the high rates they charge for small sums of credit, which in some cases can be over 1,500% for a loan of £100, this means the total repayable is £1,600 for borrowing £100.
Debtwizard guide to door step lenders
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Inflation for November explained
Ever wondered what inflation and deflation is all about?
Did you know that RPI is used to negotiate wage increases, pensions, state benefits?
Now you may be a bit more interested!
We explain in simple terms inflation (CPI, RPI) for November as well as deflation.
Inflation for November 2009 explained
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Debt solution comparison table
In a simple to read chart we illustrate a summary of possible debt solutions.
We compare Bankruptcy, Debt Relief Orders (DROs), Individual Voluntary Arrangements (IVAs), Debt Management Plans and Debt consolidation loans.
At a glance you can quickly see which offer debt relief, freezes interest and much more at the Debtwizard comparison table.
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Free Budget Wizard
The DebtWizard Budget Form can be used to help you avoid getting into debt. If it is too late and your finances are out of control then this unique form will quickly establish your position and predict how much your debt will increase over the next one month, 12 months or five years.
It's completely free, web based and private. Because it's all on the web you can log in and work on your budget wizard anywhere there is an internet connection.
Budget Wizard
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