All the latest insight and commentary from James Daley and the Fairer Finance team.
Blog
25 November 2016
Interest rates on credit cards are going to rocket
Lloyds Bank is the latest to announce that it's pegging the interest rate on its credit card to the Bank of England base rate. That means only one thing - credit card rates are on course to get out of control.
Blog
14 November 2016
Why do insurers charge us for paying by the month?
Insurers are charging interest rates of up to 100% for paying by the month.
Blog
4 November 2016
Who regulates the regulators?
A head of steam is building behind the idea that the CMA's investigation into retail banking didn't go far enough. Now the FCA is taking matters into its own hands. How can we stop wasting millions in poor regulation?
Blog
22 October 2016
Mutually-owned companies starting to show their advantage
Fairer Finance's Autumn 2016 ratings are now live on our site - and mutuals are dominating. But a small, savvy group of their competitors are coming after them.
Blog
14 October 2016
Most companies' customer communications aren't compliant
The FCA has published the latest update on its Smarter Communications work - and pressure is building on companies to rethink the way they talk to their customers. Our analysis shows that as things stand, most companies are failing.
Blog
7 October 2016
Can the CMA clean up comparison sites?
The CMA inquiry into comparison sites is a great opportunity to get these excellent services working even better for consumers. But will they be bold enough to make the changes that are necessary?
Blog
19 September 2016
Critical illness cover - the insurance policy with disappointment built in
Critical illness cover has become so complicated that it's impossible for consumers to ever understand quite what they're buying.
Blog
11 August 2016
Why are we still being charged for paying by credit card?
Fairer Finance has launched a new campaign to put a stop to charges for paying by credit card. We believe its already against the rules - and it's time for government agencies to start enforcing.
Blog
27 July 2016
FCA lets the credit card industry off the hook
The FCA's credit card market study was a long time coming. But there's little in there that will address the lack of transparency and irresponsible lending in the sector.
Blog
20 July 2016
Supreme Court decision illustrates why insurers are so mistrusted
The Supreme Court has ruled that it's ok for consumers to lie to their insurers, as long as the lie is inconsequential to the claim. It's a victory for common sense, and the industry's reaction has been revealing.