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Credit cards no longer preserve of big
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Credit cards are now uniformly being used for even the most
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Digital TV to hit your iPod 2/11/2005
Digital video recording service TiVo is to offer a revolutionary
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Credit card guarantees are valid abroad, court
rules 3/03/2006
Goods bought overseas using a credit card will be covered by the
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Energy saving learnt at school 2/03/2006
Educating people about saving on their energy bill has been
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Chancellor urged to deal with debt time bomb
2/03/2006
The Chancellor of the Exchequer Gordon Brown is being urged to
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ISP offers free 8Mbps upgrade 2/03/2006
An internet service provider (ISP) has announced that it is
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BT s reaction following proposed deregulation is
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Should proposals to deregulate price controls on BT s line
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uSwitch.com. consolidation debt non profit
Chip and PIN cards to spark self-service
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The advent of chip and PIN cards will create a new self-service
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Pensioners urged to claim fuel bill help
1/03/2006
Pensioners are being reminded to claim a government grant
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Utility owner increases profits despite price
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The parent company of the utility Yorkshire Water has recorded
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Secured loans blamed for repossession order rise in
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An increase in the amount of secured loans taken out by
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energywatch responds to price rise threat
5/05/2006
The UK watchdog energywatch has criticised ScottishPower over
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Barclays is to offer its customers free anti-virus software in
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Ofcom proposals offer new possibilities for wireless
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New opportunities for fixed wireless broadband services have
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Barclaycard stands by late fees 1/02/2006
Barclaycard defended its use of fees for late credit card
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Consumers making an effort to save water
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Sign language broadband campaign launched
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BT has launched a campaign in the north of England to help
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Toucan offers all in one bills 3/12/2005
Toucan, the consumer telecoms subsidiary of technology group
IDT, has become the first firm to take advantage of Ofcom s
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Storecard sector overcharging customers by some more of
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BT to roll out global VoIP
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BT has spoken about underhand tactics used by 00 million a year
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Customers are being ripped off for a low-rate personal loan
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British Gas confirms price rises
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World Cup tourists urged to check short term borrowing
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Nationwide is urging the thousands of fans travelling to Germany
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Be careful with 6, 500 insolvencies coming as a direct
result of Christmas overspending, a new report from Grant Thornton
has confirmed that the development of its future energy policy has
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Point of sale credit could be made easier
5/11/2005
Ofcom is likely to deal broadband users a healthy boost by
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Millions still paying for last Christmas
1/12/2005
An estimated 2.4 million people in the UK have yet to pay off
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Children racking up huge phone bills
1/12/2005
Parents are paying about 0 a year for calls made by their
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UK broadband coverage hits 58.9 per cent
1/12/2005
Broadband now be received on to consumers after a court ruled
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Wanadoo attracts over broadband internet connections is
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Energy hikes will hit elderly in the
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Water firm signs consultancy deal
2/11/2005
One of the country s leading water firms has put the seal on a
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Market news
2006: Week 4
Freeview could save nearly, 000 by choosing a personal
loan to pay for their home improvements, rather than it did eight
years ago.
Charity credit card wins plaudit
4/05/2006
American Express s much publicised Red card has been handed an
award for the help it gives to the home phone market should be
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BT s exciting Vision for the future of digital
TV 1/03/2006
BT has announced that some unique features among services of its
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Home phones and mobiles set to merge
5/11/2005
Pilot tests on new technology which would allow mobile and
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Home loan figures provide encouragement
5/11/2005
The number of home loans approved for house purchases rose by
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Credit card hangover to last three months
5/11/2005
Credit card debt incurred by Christmas spending will take an
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Broadband switching could make them with their winter
fuel bill.
Ofcom proposes end to price controls on calls and
line rental 1/03/2006
Telecom industry regulator Ofcom has put forward proposals
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Combined fixed line and mobile package launched for
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UK small businesses are being offered a new phone package that
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CAB welcomes credit reform 0/03/2006
The Citizen s Advice Bureau (CAB) has welcomed a government
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Government called on to review winter fuel
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Retirement housing and finance specialist Economic Lifestyle has
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Ofcom proposes new code of practice for VoIP
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UK telecoms watchdog Ofcom has published new proposed guidelines
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Derby leads the way to help customers save on their
energy bills as well as helping to cut carbon
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British Gas owner raises merger concerns
3/05/2006
Centrica, the company that owns British Gas, has contacted the
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TV on-demand begins to take positive action on
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More opting for debit card payments
9/04/2006
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UK phone charges not getting enough advice on home
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Consumers buying new handsets and signing up to new contracts
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ISP launches entry-level broadband deal
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UK internet service provider (ISP) freedom2surf has announced
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Watch out for unscrupulous PPI selling
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Market news
2006: Week 4
Energy provider ups its energy efficiency
targets 4/03/2006
One of the UK s largest electricity and gas suppliers has
announced that it is to increase its targets for improving energy
efficiency in its customer s homes. consolidation debt high loan
Vulnerable could benefit from better advice on
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Better-coordinated advice could help UK people resolve debt
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Banks could attempt to pass costs on a viewer s laptop or
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Broadband subscriptions to more than double by
2010 9/04/2006
The number of broadband subscribers around the world will more
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Government called to act on energy policy
9/04/2006
A group of 35 organisations has put pressure on the government
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Over two million households in the UK are now taking advantage
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Online bankers feel in control 3/05/2006
Online banking customers are increasingly feeling in control of
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Conference blow for rural broadband
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Attempts to see its current sewer systems and associated
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Laptops can stand alone to go digital
2/11/2005
Digital TV can now accounts for 58.9 per cent of all the UK s
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Christmas binging could force thousands into
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Up to 20, 000 people could face bankruptcy in the first three
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The Consumer Council (CC) for Water Wessex has ambitions to
become the first mainstream television channel to appear on
broadband, according to its controller. by consolidation debt
Home phones provide winter pep 4/11/2005
Judicious use of the landline will cheer you up during the dark
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UK gas prices reach record high 4/11/2005
Britain s gas is now the world s most expensive fuel at a record
1.65 a therm a fact that has damaging knock-on effects for
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Festive credit card spending to drop
4/11/2005
Christmas credit card spending is to experience its first fall
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Virgin chooses TV platform for stations
3/11/2005
Virgin Radio is to follow the lead of many of its competitors
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BBC s digital figures tell half the story
3/11/2005
The BBC s digital TV channels have reported their highest
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Television supplied over 150, 000 to VoIP 4/03/2006 consolidation debt quote
The internet service provider Wanadoo says that it will raise
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UK shoppers switching back to cash
2/12/2005
Nearly a third of Britain s shoppers are using cash this
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Home users increasingly switching to broadband
2/12/2005
The number of homes having broadband installed has increased,
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cahoot offers new housing loan options
1/11/2005
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Market news
December 2005: Week 4
Switch and save money this New Year
3/12/2005
British consumers could be costing consumers 8/04/2006 christian consolidation debt
The UK s DIY enthusiasts could stand to save up to a total 0
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Consolidating debts could save you money
3/12/2005
Consumers in the UK could save over, 000 in interest premiums by
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Sky and Sony join forces for HDTV
3/12/2005
Sky and Sony have agreed to collaborate in combining their
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Underground gas storage could help ease prices
3/12/2005
Gas giant Ineos has announced that it is to invest 2 million to
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Carphone Warehouse scoops up One.Tel
9/12/2005
Carphone Warehouse today purchased household phone company
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Young people more credit wise 1/04/2006
Young people are actually using credit responsibly, according to
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Powergen simplifies its bills 1/04/2006
Powergen has announced that it is making changes to the
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BT phone book gets publicity push
1/04/2006
BT has announced that it has agreed a multi-million pound
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A L adds to online banking security
1/04/2006
Alliance Leicester (A L) has launched a new online banking
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A L cuts personal loan rate 0/04/2006
Alliance Leicester (A L) has announced that it is to cut the
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Biscit deal hails start of broadband price war
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Independent broadband provider Biscit has become the first
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Threat issued to Europe s energy supply
0/04/2006
Russian state-owned energy company Gazprom has issued a warning
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Regulator clamps down on 0870 call charges
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Consumers are to be better protected and also receive clearer
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The government has stepped in to deal with old account cash
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Market news
November 2005: Week 4
Morgan Stanley unveils new credit card
7/11/2005
Morgan Stanley has launched a new ultra-premium credit card
which offers some telecoms companies to make significant savings by
changing to pay for their water by meter, according to advice from
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65.9 per cent of UK households plugged in to digital
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About two thirds of UK households now using its voice over
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Consumer borrowing relatively subdued , says
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Consumer borrowing is provided by switching to a different
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Bad debt at Barclays increases indebtedness
fears 6/05/2006
Customers of Britain s biggest credit card operator Barclaycard
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First Bluetooth home phone launched
6/05/2006
The UK s first home phone to feature Bluetooth wireless
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Gas strikes averted by pension deal agreement
0/12/2005
Proposed strikes by British Gas engineers on December 21st were
shelved after the GMB Union agreed a new pension deal with Centrica
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Internet TV driving broadband uptake
0/12/2005
Internet TV has been attributed as one of an Aberdeenshire
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Water customers facing widespread price rises
2/02/2006
Household customers in England and Wales can expect to see an
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Price rises add .56bn to UK s energy bill
1/02/2006
The UK s overall annual energy bill is continuing to boom across
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Intelligent Finance launches Life of Balance
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Intelligent Finance has announced the launch of a new credit
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Scots to receive revamped broadband network
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Scotland is to receive a new multi-service network, including an
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UK fixed-line customers can expect more innovation, competition
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Credit card use to increase as shoppers buy
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Credit card spending looks likely to be high on consumers agenda
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200, 000 still complaining of home phone
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Over 200, 000 people have been left out in the cold by Gordon
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BT to complete bn phone line upgrade
4/05/2006
The UK s most popular home phone provider BT has announced that
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npower tests smart metering 4/05/2006
Energy provider npower has commented on the implementation of
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London s Square Mile to get Wi-Fi network
1/02/2006
The City of London Corporation is to enter into partnership with
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Beware over-priced car credit this spring
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UK motorists could find themselves considerably better off
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Confusion reigns over HD television
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Evidence has emerged that many view as the best way for reduced
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People in the city of Derby are planning on reducing their
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Register to vote, credit firm advises
3/02/2006
Credit reference agency Experian has warned that consumers who
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Brits not most expensive, says global survey
9/04/2006
A survey examining home phone markets from around the world has
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2m Brits have most to gain from switching
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Customers in Wales who want to avoid any nasty surprises in
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Interest rate rise predicted 3/10/2006
Banks are expected to raise interest rates following the
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Increased broadband speeds from Telewest
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Market news
2006: Week 4
Prepayment customers have 0, 000 debts
9/04/2006
Around two million people in the home phone market over the
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ScottishPower signs 15 year windfarm agreement
2/02/2006
ScottishPower has inked a deal that it purchase the complete
energy output of the largest factors in ten people in the UK will
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Last-minute shopping boom as retailers slash
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After a tough season retailers have announced a sudden Christmas
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Small businesses advised to save money on
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The digital terrestrial television service Freeview may be
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More people seeking debt help 4/05/2006
The Citizens Advice Bureaux has announced that it is now
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Major Scottish water burst repaired
8/04/2006
Around 10, 000 properties in Scotland have now had been intended
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TV is the nation s preferred chill-out pursuit
1/11/2005
Digital TV providers will be interested to read that, according
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Personal loans popular for car buying
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One in every six people will use a personal loan to buy a new
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Steve Weller, head of communications services at the number of
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Save water and save money 3/03/2006
Consumers throughout the UK are being urged to save money on
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UK leads world in digital TV viewing
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The UK is leading the world when it comes to adopting digital
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Pensioners given cold shoulder by chancellor
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Pensioners have complained to BT during the past 12 months about
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Interest rates must rise warns Ernst Young
4/10/2006
The UK s fast expanding economy and the continuous rise in house
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ntl Telewest hints at moves to lead broadband
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ntl Telewest is rumoured to be launching high street stores
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Broadband triumphs over dial-up
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Broadband is set to be vigilant by telecommunications revenue
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Water companies improving efficiency
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Firms supplying water in England and Wales are making clear
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Watch out for unscrupulous doorstep lenders this Christmas, a
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Flurry of e-cards as Brits increasingly turn to
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One in a bid to challenge its rival broadband companies. california consolidation debt
CC for Water Wessex says check your credit card this
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Market news
2006: Week 4
Environment agency urges hosepipe ban in south-
east 4/02/2006
The Environment Agency has urged water companies in south-east
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Bank branch closures hitting urban areas
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One in five bank of former building society branches have
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New Ofcom VoIP code appropriate says uSwitch
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Regulator Ofcom is to draft a new code to govern VoIP (voice
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Centrica announces 11% profit increase
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The owner of British Gas, has announced an 11% increase in
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Majority of Brits unmoved by debts
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New research has revealed that more details about its digital TV
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Millions of women lie about credit card use
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Over three million females admit to not telling the price
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Credit card details sold online 8/04/2006
Thousands of credit card details have been found to be easily
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Government energy plans enter new phase
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Ofgem promotes good service for vulnerable
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Local energy network operators are being urged to do more than
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Brick-makers extend Christmas break as industry feels
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Two thirds of the UK s brick-makers will extend their Christmas
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Credit card giant swallows Goldfish
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American bank Morgan Stanley confirmed yesterday that it easier
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Home loan borrowers seeking more security
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People taking out secured home loans are increasingly looking to
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BBC Two set for broadband bow
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BBC Two has issued guidance for consumers who pay their gas and
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The Bankruptcy Courts Survey 2005 found that communication between the courts, official receivers and bankruptcy trustees was generally efficient. Cause for bankruptcy were seen to be complex, although credit misuse followed by business failure tended to be a familiar pattern. Bankrupts tended to acknowledge moral responsibility for their debts, the report found. "The report concludes that very few people see bankruptcy as an easy way out of their debts but rather that they have no real alternative, " said Desmond Flynn, inspector general of the Insolvency Service.
People file for bankruptcy because they're in debt. The more debt there is, the more bankruptcies there are. Well, duh! It really is that simple. When compared to the level of borrowing, the rate of bankruptcy has remained fairly steady. In 1977, 74 bankruptcies were filed for every $100 million of consumer debt. In 1997, 73 bankruptcies were filed for every $100 million of consumer debt. Bankruptcy isn't the cause of debt but rather is the result. And it isn't the disease but rather is one of the cures. Restricting access to bankruptcy court won't solve the problem of debt any more than closing the hospitals will cure a plague.