16th October 2025 - Credit Connect

Increase in cohabitation comes at a cost

16th October 2025 Consumer Collections | #cohabitation

The ONS has published details of living arrangements, highlighting that 60.5% of the adult population were married or cohabiting in 2024. The data showed that a quarter (25.1%) of those aged 16 to 29 years lived in a couple, compared to over 70% of those aged 30-64. Meanwhile, 36.8% of people had never married or…

Government initiatives to help SMEs doesn’t go far enough

16th October 2025 Business Lending | #SMEs

UK SMEs say specific Government initiatives designed to help them survive and grow don’t go far enough, according to new research from independent funder, Bibby Financial Services (BFS). The Q3 2025 SME Confidence Tracker, which surveys 1,000 UK SMEs, reveals that over half (52%) of small businesses believe measures such as the Fair Payment Code,…

Pepper Advantage appoints Chair

16th October 2025 Appointments |

Pepper Advantage has appointed OSB Group Chief Executive Andy Golding as the company’s first group board Chair. Golding joined OSB Group in December 2011 and under his tenure, the company has grown its deposits and loan originations, strengthened its capital and liquidity position, and increased its position in the UK market. Previously, Golding served as…

Renters left with £440 of disposable income each month after paying bills

16th October 2025 Consumer Collections | #bills #renting

Renters are left with just an average of £440 of disposable income each month after paying for bills and essentials—almost half the £872 reported by homeowners. Yet despite tighter budgets, renters are more proactive in managing their money, with 27% checking their credit score monthly compared to just 20% of homeowners, according to new research…

Rising insolvencies and supply chain shocks are depleting business emergency cash flows

16th October 2025 Commercial Collections and Recoveries | #business cashflow #insolvencies

Rising insolvencies and supply chain shocks are quickly depleting emergency cash cushions, according to trade credit insurer Atradius. The report shows that UK SMEs face a widening resilience gap— the difference between the cost of escalating business risks and the limited accessible liquidity they hold to withstand them. Cash buffers that once offered protection are…

Fraud concerns escalate in financial sector

16th October 2025 Consumer Lending | #fraud

Concerns over fraud have escalated sharply across the UK financial sector, with 68% of firms saying they are more worried about it today than 18 months ago, according to a new report from Dun & Bradstreet. The data showed that 82% of UK financial services organisations say they are ‘concerned’ about fraud risk, and among…

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