Amy Lancashire
Compliance Monitoring Officer
Amy is Compliance Monitoring Officer at Lendable, where she has worked for three years. She holds an undergraduate law degree from Keele University and a master’s in law from the University of the West of England – qualifications that trained her to read and apply regulatory frameworks precisely. She spent several years as a legal advisor and paralegal before moving into financial services compliance. She reviews Zable content to ensure it meets FCA financial promotions standards and is accurate for readers.
"Accuracy in financial content really matters. When someone is making a decision about credit, they need to be able to trust what they're reading. My job is to make sure everything on Zable is not only clear, but legally sound and compliant with the rules that are there to protect consumers."
Articles reviewed by Amy
What is an IVA?
An IVA is a formal debt solution that stays on your credit file for 6 years. Find out how it affects your credit score.
Emily Tye
Oct 23, 2026
7 min read
What is open banking?
Open banking lets you securely share your bank data with regulated providers in the UK. Find out how it works.
Emily Tye
Oct 23, 2026
6 min read
Zable vs Aqua Credit Card
Comparing Aqua to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Oct 22, 2026
2 min read
What is an unsecured loan?
An unsecured loan lets you borrow without putting up an asset as security. Find out how they work and whether one could be right for you.
Emily Tye
Oct 22, 2026
4 min read
What is a debt relief order (DRO)?
A debt relief order writes off debts of up to £50,000 after 12 months if you have little spare income and few assets.
Emily Tye
Oct 22, 2026
6 min read
What is AER?
AER shows what a savings account would pay over a year. See what it means in pounds, how it's worked out and why you might earn less.
Emily Tye
Oct 22, 2026
4 min read
What affects your credit score?
Your payment history, credit utilisation and hard searches all affect your credit score. Here's a clear guide to every factor.
Emily Tye
Oct 22, 2026
7 min read
Does Klarna affect your credit score?
Using Klarna or Clearpay? Learn how Buy Now, Pay Later services affect your credit score and what to watch out for.
Emily Tye
Oct 22, 2026
5 min read
Zable vs Capital One
Comparing Capital One to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Oct 22, 2026
2 min read
Zable vs Vanquis
Comparing Vaquis to the Zable credit card? Find out which credit card is right for you.
Emily Tye
Oct 22, 2026
2 min read
How to balance transfer from Aqua Card to Zable
Learn how to transfer your balance from an Aqua credit card to Zable in a few simple steps.
Emily Tye
Oct 22, 2026
2 min read
The Rising Cost of a Christmas Dinner in 2026
Discover how the cost of Christmas Day essentials, from turkey to pigs in blankets, has changed in the past 10 years.
Emily Tye
Oct 22, 2026
What is a CCJ (County Court Judgment)?
A CCJ (County Court Judgment) is a court order issued when you fail to repay a debt. Find out how long they last and what your options are.
Emily Tye
Oct 22, 2026
6 min read
Statute-barred debt: what it means and how to check yours
A statute-barred debt can no longer be enforced through the courts. Find out when the time limit runs out and what restarts it.
Emily Tye
Oct 22, 2026
4 min read
Do prepaid cards build credit?
Standard prepaid cards don't build credit or affect your score. Here's why, what paid credit-building add-ons do, and what works instead.
Emily Tye
Oct 14, 2026
4 min read
Proof of address: what counts in the UK
Find out which documents count as proof of address in the UK and how to get proof without bills in your name.
Emily Tye
Oct 13, 2026
6 min read
What is a secured credit card?
A secured credit card needs a cash deposit upfront. They are rare in the UK, but there are alternative options that can help you build credit.
Emily Tye
Oct 13, 2026
5 min read
Everyday Essentials: How Brits are redefining ‘essential spending’
Zable research reveals how Brits adapt everyday budgets by comparing national survey data with real transaction trends.
Emily Tye
Oct 13, 2026
What is net income?
Net income is what you keep after Income Tax, National Insurance and other deductions.
Emily Tye
Oct 12, 2026
6 min read
Standing order vs direct debit: what's the difference?
A standing order is a fixed payment you control. A direct debit lets a company collect varying amounts, protected by the Direct Debit Guarantee.
Emily Tye
Oct 12, 2026
6 min read
Charge card vs credit card: what's the difference?
A charge card must be paid in full every month, while a credit card lets you spread the cost. See how fees, limits and Section 75 protection compare.
Emily Tye
Oct 9, 2026
5 min read
What is a non-sterling transaction fee?
A non-sterling transaction fee is a charge your card provider adds when you pay in a currency other than pounds. See how it works.
Emily Tye
Oct 9, 2026
3 min read
PCP vs lease: what's the difference?
PCP lets you buy the car at the end, while a lease is long-term rental.
Joe Towner
Oct 8, 2026
12 min read
Guarantor car finance: can I get it and how does it work?
See how guarantor car finance works and who can be a guarantor.
Joe Towner
Oct 8, 2026
6 min read
What is HP finance? Hire purchase explained
Hire purchase lets you pay for a car in monthly instalments and own it at the end.
Joe Towner
Oct 8, 2026
10 min read
How to budget as a student: 5 steps
How to budget as a student in 5 steps, from adding up your loan to a weekly spending figure.
Emily Tye
Oct 2, 2026
5 min read
What is the contactless limit in the UK?
The UK's £100 contactless cap was scrapped in March 2026, but most card providers kept it.
Emily Tye
Oct 2, 2026
4 min read
How to budget: 5 steps
Learn how to budget in 5 steps, from working out your take-home pay to planning for irregular costs.
Emily Tye
Oct 2, 2026
8 min read
How to create a family budget: 5 steps
How to create a family budget that works with real UK figures.
Emily Tye
Oct 2, 2026
9 min read
Autumn Staycations: The Best-Value UK Destinations for 2026
New research reveals the best-value UK destinations for an autumn staycation in 2026.
Emily Tye
Oct 1, 2026