Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.



Articles Published by amy flower

Amy has a degree in law from the University of Plymouth. She has also served as a Witness Service Volunteer for Victim Support at our local Magistrates’ Court. Amy writes on all topics related to personal finance, banking and identity fraud. Amy is a Senior Credit Analyst at checkmyfile

Contactless cards are making it easier to defraud the elderly

As technology steams ahead, there is an increasing risk that those elderly family members who are not tech savvy could be at risk of being defrauded by other family members. Action on Elder Abuse (AEA) has seen an increase in calls to their helpline regarding small, regular amounts of money being pilfered by family members who have easy access to their bank cards.

Published on 19 Feb 2016 by Amy Flower

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Credit card refunds and section 75 Consumer Credit Act 1974

Many of us would have purchased our Christmas presents for our nearest and dearest using our credit cards. Any transactions over £100 are protected under section 75 Consumer Credit Act 1974 (CCA) if the goods received are not as described or faulty, for example, giving consumers a little protection. There is a peace of mind using a credit card knowing that there is protection for the consumer and a refund can be issued by your credit card provider if necessary.

Published on 6 Jan 2016 by Amy Flower

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Families increasingly priced out of housing market

Millions of families who will be looking to buy their first home are feeling the pressure to do this sooner, rather than later.

Published on 29 Dec 2015 by Amy Flower

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OMG One Direction have paid their Corporation Tax

We live in a society now where multinational companies do everything in their power to avoid paying their dues. The majority of these very successful and wealthy companies have accountants that advise money is best sent to offshore banks, rendering the money out of the grasp of the Government. What cannot be sent offshore is then reduce to a bare minimum.

Published on 12 Nov 2015 by Amy Flower

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Debt advice - Dealing with Debt

The most important debt advice you can probably have is that the advice does not need to be paid for, there are organisations available that can give you free advice about handling your debts or the rescheduling of your debts., Citizens Advice Bureau (CAB), Money Advice Service (MA) and the government’s National Debt Line all provide free, non-judgemental advice and guidance on how to take control of your debts, approaching your creditors and how to work out what you can afford to repay.

Published on 23 Oct 2015 by Amy Flower

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Mortgage watchdogs to investigate unfair rejections

Concern has been raised that lenders are abusing new mortgage regulations and are refusing mortgages on technicalities, when in fact the applicant could afford the money they have applied for.

Published on 19 Oct 2015 by Amy Flower

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HMRC using new powers to chase tax debts

Historically, HMRC were made to chase outstanding tax debts through the courts, incurring high costs and leading the way for the new legislation which was approved in April 2014.

Published on 23 Sep 2015 by Amy Flower

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Less homes repossessed but what will happen when the interest rates rise

New data out reveals that the number of properties repossessed have dropped for the second quarter of the year, as less homeowners fall behind on mortgage payments. The amount of repossessions has declined from 2,500 in the first quarter, with an additional 3,000 in the second quarter. Compared to the same quarter last year, the decline is 5,400, indicating that the low interest rates were keeping the numbers down.

Published on 18 Aug 2015 by Amy Flower

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Conservative plans for the economy

David Cameron and the Conservatives have spent the last 5 years in coalition with the Liberal Democrats, making cuts and getting the economy in the position we are in today. The next 5 years in office has also been planned and has a lot in store for our finances, from income and inheritance tax to pensions; to housing and household bills.

Published on 18 May 2015 by Amy Flower

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Record low inflation is a boost to household finances

In April this year, the people of the UK have for the first time in 6 years felt less pressure on their finances and more money in their bank. The low inflation and positive employment has allowed the economy to grow and the UK households now begin to breathe a sigh of relief.

Published on 23 Apr 2015 by Amy Flower

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