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AOL Money UKNearly two thirds of Britons go on 'credit detox' before applying for mortgages or credit cardsThis is MoneyIt comes as another recent survey pointed out that a third of British 18 to 24-year-olds are too scared to check their bank balance and are suffering from 'ostrich effect' - preferring to stick their heads in the sand rather than find out how much ...'60% go on credit detox' before making financial applicationAOL Money UK60% of Britons to go on 'credit detox' before taking out mortgage, loan or credit cardWestern Daily Pressall 5 news articles »
This is MoneyRBS bottom of bank satisfaction league: Customers complain of axed rewards as First Direct tops tableThis is MoneyRoyal Bank of Scotland is the lowest-scoring high street bank for customer satisfaction, according to research. Consumer group Which? found that the beleaguered bank could only muster a satisfaction score of 53 per cent, while the best bank, First ...and more »
Telegraph.co.ukMortgage rate crash begins with 10-year fix offered at 2.89pcTelegraph.co.ukMortgage rates across the board are falling and buyers with 40pc deposits or higher have seen rates tumble towards 1pc. The current best two-year fixed rate, also from First Direct, charges just 1.15pc with a £1,405 fee. Monthly payments for borrowing ...and more »
Telegraph.co.ukHow market turmoil has changed all these areas of personal financeTelegraph.co.ukIsas, pensions and other investments drop back to 2008 levels or further. This is the bleak line taken by analysts such as market historian Russell Napier, who thinks shares could fall by 50pc. He uses a trusted model of valuing shares to show that the ...and more »
Larne TimesAdvice: How will I be affected by changes to the State Pension?Larne TimesAs a result, people who have been contracted out may have little or no additional State Pension as they are building up a workplace or personal pension instead. Starting with less than the full new State Pension: From 6 April 2016 you may be able to ...
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Factsheets
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Hello, I'm Liz Barclay  -

welcome to my website - www.moneyagonyaunt.com. Because of the grave economic climate at the moment I have gathered together experts from across the country to try and help you and your loved ones with your money worries....
Ask our experts questions directly, search for information from our fact sheets or talk to other members on our forums who might have similar issues or problems - and when you succeed - which you will, then come back and share your own success story. ...
Click here for the full story...

Hello, I'm Liz Barclay

 - welcome to my new website - www.moneyagonyaunt.com.  Because of the grave economic climate at the moment I have gathered together experts from across the country to try and help you and your loved ones with your money ...
Ask our experts questions directly, search for information from our fact sheets or talk to other members on our forums who might have similar issues or problems - and when you succeed - which you will, then come back and share your own success ...
Click here for the full story...

Property letting and taxation 

H,i I have a question regarding property letting and taxation. I have recently purchased a flat with a buy to let mortgatage that I have let through an agent. The rental income is £650 a month and the mortgage is £370.0 amonth. Am I ...
Hi You will need to declare all the income that you receive and then itemise all the expenses associated. One will then potentially cover the other, but You cannot just informally write one off against the other. It all needs to be listed and ...
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Cancelled Holiday

Dear Liz, I wonder if you could help solve this problem. Back in March, due to ill health I had to cancel my flight with Virgin Atlantic to Delhi. I did this by phone on March 14 th and was told I would recieve confirmation. I have received a refund ...
Dear John,  this is exactly what you say it is - a case or poor customer service. You will probably get the necessary document eventually but you have to keep pestering them. Resilience - and polite persistence - is the key.  I wonder ...
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Looking after Mum's money.

  Dear Liz, My mother is elderly lady, has dementia and lives in a care home. Until recently she managed her own affairs and her care home fees were paid by direct debit from her current account which was topped up from her savings account as ...
Dear AW, I know from the correspondence we’ve had since you first got in touch that your mother’s care home fees are still being paid although other transactions have stopped. This has proved to be a complicated case. While your mother ...
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property letting and taxation

Hi Liz,I have a question regarding property letting and taxation.I have recently purchased a flat with a buy to let mortgatage that I have let through an agent. The rental income is £650 a month and the mortgage is £370.0 amonth. Am I ...
Dear KS, Sadly the situation may not be that simple. Rent is treated as income and taxed in line with your basic or higher rate tax bands. You can offset the mortgage interest payments, letting agency costs and maintenance expenses again the taxable ...
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Setting the selling price for a property.

Can you inform what my wife's rights are in regards to selling her late parent's Bungalow? She has a 25% share, with the remaining 75% belonging to her sister.The unequal split was the result of her mother's will,which gave her share to her sister, ...
Setting the sale price for any property is ultimately up to the people who have the right to sell the property - the owners of the property or the executor(s) of an estate. Most people set the sale price after consultation with an estate agent, or ...
Click here for the full story...
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