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 a joint loan?
A joint loan lets two or more people borrow together, with everyone liable for the full amount.
Joe Towner
Sep 15, 2026
6 min read
Why is my credit score different on different sites?
There's no single credit score. See why yours differs across Experian, ClearScore and Credit Karma, and what actually counts when you apply.
Emily Tye
Sep 15, 2026
5 min read
What is a bad credit score?
A bad credit score means under 641 with Experian, under 439 with Equifax, or under 563 with TransUnion. Find out what these mean and what to do next.
Emily Tye
Sep 15, 2026
5 min read
What is a good credit score?
Discover what counts as a good credit score in the UK across Experian, Equifax, and TransUnion.
Emily Tye
Sep 15, 2026
5 min read
Can you pay rent with a credit card?
Most UK landlords won't take a credit card. Here are the three ways to pay rent by card and what each one really costs.
Emily Tye
Sep 2, 2026
6 min read
What is a continuous payment authority?
Find out what a continuous payment authority (CPA) is, how it differs from a direct debit, and your rights to cancel one.
Emily Tye
Sep 2, 2026
5 min read
How to use a credit card to build credit
Learn how to build credit with a credit card: pay on time, keep utilisation below 25% and avoid the mistakes that set you back.
Emily Tye
Sep 1, 2026
5 min read
How to add a card to Apple Pay or Google Pay
Step-by-step guide to adding a card to Apple Pay or Google Pay in the UK, including verification and troubleshooting.
Emily Tye
Sep 1, 2026
6 min read
Can you buy a car with a credit card?
You can buy a car with a credit card, but many dealers cap credit card payments. Learn how it works.
Emily Tye
Aug 28, 2026
5 min read
How to reduce your loan payments
Find out more about how you can reduce your monthly loan payments by refinancing, extending the term or consolidating debt
Joe Towner
Aug 19, 2026
4 min read
Can I cancel a credit card payment?
Whether you can cancel a credit card payment depends on the type. Learn how to stop recurring payments, dispute purchases and cancel a payment.
Emily Tye
Aug 19, 2026
5 min read
What can you use a personal loan for?
You can use a personal loan for most things, from a car to debt consolidation.
Joe Towner
Aug 19, 2026
5 min read
What is this charge on my credit card?
An unfamiliar charge is usually a trading name, a hold or a forgotten subscription. Learn how to check a credit card charge.
Emily Tye
Aug 19, 2026
6 min read
How many loans can you have?
There's no legal limit on how many loans you can have, but affordability, your credit score and lender rules all apply.
Joe Towner
Aug 19, 2026
4 min read
What is an early repayment charge?
An early repayment charge is a fee for repaying a loan or mortgage early. Learn how ERCs work on loans and mortgages.
Joe Towner
Aug 19, 2026
5 min read
Car finance vs personal loan: which is better for buying a car?
Buying a car and considering car finance or a personal loan? Compare ownership, cost, approval and protection to see what’s different.
Joe Towner
Aug 19, 2026
9 min read
Beerflation: The cost of a pint near every Premier League stadium in 2026
New research reveals the average cost of a pint near each 26/27 Premier League stadium, and the difference compared to stadium costs.
Emily Tye
Aug 18, 2026
What is credit card fraud?
Credit card fraud is when someone uses your card or details without permission. Learn the warning signs and what to do if it happens.
Emily Tye
Aug 12, 2026
4 min read
What is cashback on a credit card?
Cashback on a credit card gives you back a small percentage of what you spend. Learn how it works and whether it's taxable.
Emily Tye
Aug 12, 2026
5 min read
Visa vs Mastercard
Visa and Mastercard are payment networks, not banks. Learn how they differ and how to tell which one your card uses.
Emily Tye
Aug 12, 2026
5 min read
Can you get a joint credit card?
The UK has no true joint credit card. Here's how adding an additional cardholder works, who's liable for the debt, and the alternatives to consider.
Emily Tye
Aug 12, 2026
6 min read
What is a chargeback?
A chargeback lets you ask your bank to reverse a card payment when a purchase goes wrong. Learn when to use it and how it differs from Section 75.
Emily Tye
Aug 12, 2026
5 min read
What is Section 75?
Section 75 makes your credit card provider jointly liable when a purchase over £100 and up to £30,000 goes wrong.
Emily Tye
Aug 12, 2026
6 min read
The UK’s Credit Confidence Gap
Our new survey uncovers how well Brits understand credit cards and how understanding and confidence vary across demographics.
Emily Tye
Aug 10, 2026
What is a logbook loan? How they work and the risks
A logbook loan is a high-cost loan secured against your vehicle.
Joe Towner
Aug 5, 2026
6 min read
Types of loans: a guide to different types of borrowing
The main types of loan explained, from secured and unsecured to payday and logbook loans.
Joe Towner
Aug 5, 2026
7 min read
Does changing address affect your credit score?
Changing your address doesn't directly affect your credit score, but moving can have knock-on effects. Here's what to watch.
Emily Tye
Aug 4, 2026
5 min read
Does being self-employed affect your credit score?
Being self-employed doesn't directly lower your credit score, but it can affect it indirectly. Here's what happens and how to protect your score.
Emily Tye
Aug 4, 2026
4 min read
Does persistent debt affect your credit score?
Not directly, but the high balance behind persistent debt is often already affecting your credit score. Here's what does and doesn't reach your file.
Emily Tye
Aug 4, 2026
4 min read
Cancelling a loan: your right to withdraw explained
Can you cancel a loan? You usually have a 14-day right to withdraw. Here's how to cancel, what it costs and the effect on your credit score.
Joe Towner
Jul 31, 2026
4 min read