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The news has been full this week with story about the tougher new rules for people applying to take out a mortgage. There’s been some consternation at the idea that lenders might want to know how much people spend on toiletries or gym membership. These are, it seems to be emerging in the comments from banks and building societies about how the Mortgage Market Review rules will work, extreme examples of a concer

New year 2014 is upon us and you don’t have to search very far online to find articles encouraging you to spring clean your finances. Well, it’s still winter, and often these pieces are targeted at consumers who may have overspent on the seasonal goodies. But January is a good time for small and medium enterprises to resolve to get things right in the new financial year that begins in April. For the collections indus