Your Money
Your Money Contents
> Banking
> A to Z of UK Digital 'Challenger Banks'
Index
A to Z
> Bank Accounts - Safe and Basic
Basic Bank Accounts
Safe Bank Accounts
Debt Advice - Banking
Banks offering Safe & Basic Accounts
Digital Banking
Current account switch service
Business Bank Accounts
Acceptable Identification (ID)
The Technology
Unpredictable Value
Cryptocurrency Scams
The Future Of Cryptocurrency
What complaints does FOS handle?
The complaints process
How to contact FOS
> Financial Services Compensation Scheme (FSCS)
Reading a Bank Statement
Payment Transaction Types
Using Online Banking Apps
Understanding Bank Charges
What is a direct debit?
How to set up a direct debit
What is a fast payment?
How to make a fast payment
What is a standing order?
How to set up a standing order
> Right of Set-off & First Right of Appropriation
Right of Set-off
First Right of Appropriation
Financial Difficulties
Complaints
What is an Overdraft?
Types of Overdrafts
Understanding Overdraft Fees
Managing your Overdraft
Pros
Cons
Unmanageable Overdrafts
What is Buy Now, Pay Later?
How Does BNPL Work?
Common BNPL Providers
Pros
Cons
Considerations
What is Catalogue Credit?
How Does Catalogue Credit Work?
Features
Pros
Cons
Managing Catalogue Credit Responsibly
What Are Credit Builder Cards?
How Do Credit Builder Cards Work?
Pros
Cons
How to Apply
What is a Credit Card?
How Do Credit Cards Work?
Types of Credit Cards
Choosing a Credit Card
Pros
Cons
Tips for using a credit card responsibly
How Equity Release can help
Equity Release Schemes
Rules regrading Equity Release
Fees
Advantages
Disadvantages
Equity Release Calculators
Consider Other Options
Affect my benefits and tax
Independent Financial Advice
Complaints
Contacts
What is Hire Purchase?
How does it work?
Features
The One Third Rule
The 50% Rule
How to Apply
Pros
Cons
Voluntary Surrender of Goods
Alternatives to Voluntary Surrender
> Interest Only Mortgage Calculator
> Repayment Mortgage Calculator
How does the loan work?
What happens if I sell the vehicle?
Getting into arrears
Repossession
Summary and further information
Code of practice
What is a PCP Agreement?
How does PCP work?
Considerations
How to apply
Pros
Cons
What is a Personal Loan
Types of Personal Loan
How to Apply
Understand Interest Rates
Considerations
Pros
Cons
What is a credit file?
What information is held on my file?
Your credit score
Joint accounts
The myth of a blacklist
About your Credit Score
How do I check my credit score?
Are my credit reports really free?
What is a good Credit Score?
How can I improve my Credit Score?
How long to improve a Credit Score?
Credit Building Cards
Avoid Credit Repair Companies
Fraud and the CIFAS marker
> Correct Credit Report Errors
How to report a mistake
What if a correction is not made?
Important contacts
> Savings
How does the scheme work?
Who can open?
How to apply?
How is the Bonus paid?
Will savings affect benefits?
Instant Access Savings Account
Fixed Rate Savings Account
Regular Savings Accounts
Notice Accounts
Children’s Savings Accounts
Individual Savings Accounts (ISAs)
Help to Save
Premium Bonds
Pension Schemes
Savings Bonds
Origins of the Internet
Digital Device Basics
A to Z Digital Glossary
Common Shortcut Keys for Mac
Common Shortcut Keys for Windows
AI Explainer
Social Digital Communication Skills
Set up WhatsApp on your mobile
Set up a Free Canva Account
Create a CV in Canva
Create a CV in Google Docs
Create a CV in Word
Using Emojis
Emoji Directory
Work Digital Skills
Convert to a PDF
Write a Professional Email
Google Chrome Private Browsing
Microsoft Edge Private Browsing
Mozilla Firefox Private Browsing
Apple Safari Private Browsing
Opera Private Browsing
> Handling Information & Content
Manage & Store Information
Additional Skills for Work
Tips for creating secure password
Random Password Generator
Two Factor Identification
Key online consumer rights
Distance selling rules
Section 75 credit card protection
Potential online risks to kids
Online Safety Tips for Kids
Help with online safety for kids
Report serious concerns
Online shopping safety tips
Check if a website is trustworthy
Safest online payment methods
Requesting refunds
Where can I get a VPN?
Which VPN?
Paid VPN versus Free VPN
How do I set up a VPN?
Erase in Apple Safari
Erase in Google Chrome
Erase in Microsoft Edge
Erase in Mozilla Firefox
Microsoft Office Lens
Handy uses
Storage advice
How to use
Scanning multiple images
Sending images free
> Mobile Phone - Do Not Disturb Controls
Add 'Do Not Disturb' control
Manage the 'Do Not Disturb' control
Set up Auto-response in iOS
Set up Auto-response in Android
Mobile Phones - Do Not Disturb Controls PDF
iPhone or iPad (iOS 11+)
Android Screenshots
Download the WhatsApp App
Use WhatsApp to send documents
Delete WhatsApp messages
Secure password set up
Set up a Google GMAIL account
Set up a Microsoft Outlook account
Other contactless devices
About the technology
Are contactless cards safe?
Using contactless payments safely
Will my bank refund fraudulent payments?
First Digital Wallets
How it works
Benefits of a digital wallet
Offline Digital Wallets
Major digital wallets
Disadvantages of digital wallets
Digital wallet security
What to do if you suspect misuse or fraud?
Modern Technology
What are the risks?
Safe Mobile Banking
Worried about misuse?
Further Information
Origins of Open Banking
API Technology
Who is it for?
Pro's of Open Banking
Cons of Open Banking
Check a firm is regulated
Giving Open Banking Permission
Removing Open Banking Permission
Open Banking in Debt Advice
Troubleshooting Skills
Restart a Device
Check Internet Connection
Update Software
Clear Cache & Cookies in Browsers
Check for Viruses & Malware
Ensure Cables are Securely Connected
Use the Help Function
Adjust Accessibility Settings
Manage Apps and Programs
Consult Online Forums & Guides
Legal Definition of Homelessness
Seeking Help & Advice
Eligible for help
From Ukraine
From Afghanistan
From Sudan
Priority need
Intentionally Homeless
Local Connection
Ineligibility and further assistance
Contacts
> Homelessness - 16 to 17 year olds
> Finding Emergency Accommodation
Emergency Housing Help in King's Lynn
Homeless Link
Hostels
Night Shelters
Winter shelter
B & B's
Women's refuge
Day centres
Finding emergency accommodation: 16 to 25 year olds
Nightstops for the under 25s
Sofa surfing
> Challenge a Homelessness Decision
Nowhere safe to sleep & need help?
Right to an Internal Review
Decisions that can't be reviewed
Make the House Sellable
Set a Price
Write a description
Take the Best Photos
List the property
Arranging viewings
Negotiating a price
Accepting an offer
Instruct a solicitor
Deal with renegotiations
When the law applies
Fit for human habitation
Landlord's Responsibilities
Reporting a repair
> Illegal Eviction & Harassment
Illegal Eviction
Police Involvement
Harassment
Criminal Penalties
> Neighbour Disputes & Anti-Social Behaviour
Mediation
Noise and other statutory nuisances
Trees and hedges
Parking rights
Responsibility for shared amenities
Planning proposals
Powers of the police
Landlords
Moving options
Homelessness
The community trigger
Legality
Room Standard
Space Standard
Permissible overcrowding
Next Steps
Legal References
When your rent is increased
General rules of any tenancy
Rent Tribunal
Regulated tenants
Lodgers
Benefits
> Renter's Rights & Responsibilities
Your Rights
Your Responsibilities
Safety Responsibilities
Repairs
Complaints and Issues
What is a Section 8 Notice?
Checking a Section 8 Notice is valid
Mandatory Grounds
Discretionary Grounds
Eviction following a Section 8 Notice
Form 3 Notes
Urgent Help - Section 8 Notice
What is a Section 21 Notice?
Checking a Section 21 Notice is valid
Landlord Requirements
Checking a Section 21 Notice
Form 6a Notes
Urgent Help -- Section 21 Notice
How does the scheme work?
Insurance based and Custodial schemes
Information your landlord must provide
At the end of the tenancy
Court Action & Dispute Resolution
Check your Tenancy Deposit
Under Occupancy
How much will my benefit be reduced by?
Extra Help
Pension Age
> Draft Social Housing Charter
Proposed UK Gov Charter
Amendments
> Illegal Eviction & Harassment (Social Housing)
Illegal Eviction
Police Involvement
Harassment
Criminal Penalties
Who can apply?
How to apply
Next steps
Further Information
> Social Housing Complaint Code
Key Aspects of the code
Fair Complaints
Outcomes & Redress
Accountability
Regulatory Compliance
What is an 'untidy tenancy'?
Why are housing costs reduced?
How can full housing costs be reinstated?
Backdating full housing costs
Reasons why Landlords won't remove joint tenants
