Demsa

DEMSA Column: Personal insolvency / Financial inclusion / Vulnerability guide / Water sector insight / IPA conference / Collaborations / Events

In today’s bulletin: General update Strengthening financial capability and inclusion for all Financial inclusion strategy MAT updates support guide for disabled and vulnerable consumers Water sector insights IPA conference – 6 November 2025 Collaborations & Appointments Events   General update The Bank of England has held interest rates at 4%. At its meeting ending on 5 November 2025, the Monetary Policy Committee voted by a majority of 5–4 to maintain Bank Rate at 4%. Four members voted to reduce Bank… Read more

DEMSA Column: ECB response / Credit Unions / Ofgem debt relief / Duty / Cyber / Collaborations / Events

In today’s bulletin: General update Ofgem Debt Relief Scheme Supporting firms with the Consumer Duty Awaab's Law took effect on 27 October 2025 - Damp & Mold Debt Buyer, Debt Manager and BPO event at the Lowry on 4/12/2025 It’s time to act – Cyber-security Collaborations Events   General update The Chancellor will deliver her second Budget to Parliament on 26 November 2025. Credit scores to include rental payments - Experian Experian said it was overhauling its scoring system to… Read more

DEMSA Column: Economy / Debt advice / AI adoption / Fair Value / Insolvency stats / Collaborations / Events

In today’s bulletin: General update FCA review of Fair Value Assessments (FVAs) Debt Buyer, Debt Manager and BPO event at the Lowry on 4/12/2025 Individual insolvency statistics – September 2025 Collaborations Events   General update Energy Secretary Ed Miliband says he stands by his pledge to reduce energy bills by £300 by 2030, after bills went up by 2% for millions across the UK under Ofgem's latest price cap. He was quizzed on the Sunday with Laura Kuenssberg programme this… Read more

DEMSA Column: Debt finfluencers / MaPS standards / Innovation / AI / Ability to Pay / Vulnerability / Collaborations / Events

In today’s bulletin: General update One Voice on Affordability: Aligning Utilities for Better Outcomes PS24/3 (Product Sales Data) is nearly upon us Appointments Collaborations Events   General update I am not sure that we have learned much from the political conferences so far. Stamp Duty seems a new political football. Warning over robo calls as energy firms fined half a million pounds for unlawful marketing calls The ICO has fined 2 energy companies a total of £550,000 for making automated… Read more

DEMSA Column: September review / PayPlan / AI / MAT report / Financial Crime / Consumer Duty / Collaborations / Events

In today’s bulletin: General update FCA Consumer Duty requirements review National Debtline and Business Debtline help more people than ever before as cost-of-living pressures continue AI in collections and debt resolution  Appointments – Denise Crossley at Data on Demand Collaborations Events   General update In Liverpool Rachel Reeves seemed to be floating a pre-emptive argument ahead of possible tax rises in her November 2025 Budget. In other news, in the first dataset of its kind, the ONS has looked at… Read more

DEMSA Column: MaPS strategic plan / Redress system / AI in Customer Service / Appointments / Collaborations / Events

In today’s bulletin: General update Autumn 2025 Enforcement News - 'Tell Us Once' Reminder: Joint FCA/FOS redress consultation closes on 8 October 2025 Customer service in the age of AI Appointments Collaborations Events   General update The Organisation for Economic Co-operation and Development (OECD) raised its prediction for UK inflation to 3.5% across 2025, citing higher food costs as a factor. The latest monthly UK inflation figures showed the rate stood at 3.8% in August 2025, driven by rising food… Read more