Demsa

In today’s bulletin: General update Utility event – 9 October 2025 Personal insolvency stats – July 2025 StepChange debt statistics – July 2025 Collaborations Events   General update At a headline level, we continue to see ideas ‘floated’ by the government around how to raise more money. The disturbing part about this, impacting consumer confidence, is meddling with pensions, your home and other aspects of passing down legacies from one generation to another for ordinary households. The definition of a… Read more

In today’s bulletin: General update FCA plans for consumer credit Ofgem debt strategy update Collaborations Appointments – Victoria Oliver Events   General update Financial Awareness Day on 14 August has come and gone. A number of providers ran campaigns on the day. Money Wellness believe financial education should start early in schools, so young people leave with the skills to manage money confidently. There are certain knowledge gaps their customers would like to see prioritised: 77% think budgeting lessons are… Read more

In today’s bulletin: General update Scottish debt solutions – Q1 2025/26 Registry Trust Q2 2025 statistics on judgments Collaborations Events   General update I provided an update on the Supreme Court ruling and the FCA follow-up at the start of the week.   Interest rates were reduced to 4% from 4.25% by the Bank of England after some serious contemplation. At its meeting ending on 6 August 2025, the MPC voted by a majority of 5–4 to reduce Bank Rate… Read more

In today’s bulletin: General update Supreme Court ruling on Motor Finance Commissions FCA seeks improvement to 'digital loan processes' IS Annual Plan 2025 to 2026 - focus on poor practices in IVA market Credit Reporting Governance Body (CRGB) - Regulatory Update Collaborations Events   General update Donald Trump continues to dominate the headlines for the wrong reasons. The Bank of England has also pushed back against the Chancellor around de-regulation.     Active exploitation of vulnerability affecting Microsoft Office SharePoint Server… Read more

In today’s bulletin: General update PayPlan update from MorganAsh webinar Are 50% of your customers really vulnerable? – a report by James Edmonds FCA July Consumer Network meeting Water sector restructuring Collaborations Events   General update Consumer Duty Board reports need to be approved by the end of next week! UK government borrowing rose by more than expected last month. According to ONS, it was £20.7 billion in June 2025, up £6.6 billion from the same month last year. British… Read more

In today’s bulletin: General update Personal Insolvency Statistics – June 2025 The rise of online debt advice CP25/23 - Deferred Payment Credit (unregulated Buy Now Pay Later) Consultation FCA sets faster targets for authorisations CP25/22: Modernising the redress system + FCA update Collaborations Events   General update It was good to catch up with Helen Webb and Nigel Bryant on Friday. CAP is featured in the BBC story 'People in debt shouldn't have to suffer alone'. ONS has announced that… Read more