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 balance transfer on a credit card?
A balance transfer credit card allows you to move your balance from one or more existing credit cards to a new card. Find out how it works.
Emily Tye
Nov 5, 2026
4 min read
Renting and credit in the UK: how renters compare with homeowners
Our analysis of FCA, ONS and housing data shows how UK renters compare with mortgage holders on credit.
Emily Tye
Nov 4, 2026
4 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
Nov 4, 2026
2 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
Nov 4, 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
Nov 4, 2026
2 min read
Can you buy currency with a credit card?
Most UK card providers treat buying currency like a cash withdrawal, so expect a fee and interest from day one.
Emily Tye
Oct 30, 2026
3 min read
Overdraft vs credit card: which should I use?
Overdraft or credit card? Compare how interest, repayments, cash withdrawals and purchase protection work.
Emily Tye
Oct 30, 2026
5 min read
How to cancel or close a credit card
Want to close your credit card account? Follow these 8 steps to cancel a card safely, avoid credit score damage, and keep your finances on track.
Emily Tye
Oct 30, 2026
4 min read
What does it mean when your credit card is in credit?
Is your credit card in credit? Find out what a negative or CR balance means.
Emily Tye
Oct 30, 2026
4 min read
What happens to credit card debt when you die?
Credit card debt is paid from the estate when someone dies, not by their family. See who could be liable and what to do next.
Emily Tye
Oct 30, 2026
4 min read
Can you get a mortgage with credit card debt?
Credit card debt won't stop you getting a mortgage on its own. See how lenders look at debt, how much is too much and what to do before you apply.
Emily Tye
Oct 30, 2026
5 min read
Do you need a credit card to rent a car?
Many UK car hire firms take debit cards, but not all. See conditions to expect and your options without a credit card.
Emily Tye
Oct 30, 2026
4 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
Oct 28, 2026
6 min read
What is APR on a credit card?
Confused about APR? Learn what APR means, how it affects your credit card costs, and how to avoid interest by managing repayments smartly.
Emily Tye
Oct 27, 2026
5 min read
Does Breathing Space affect your credit score?
Breathing Space isn't recorded on your credit file, but missed payments during it still are. Here's how the Debt Respite Scheme can affect your score.
Emily Tye
Oct 27, 2026
3 min read
What is a credit card statement?
Your credit card statement is a monthly summary of what you owe and what you've spent. Here's what every section means and what to do with it.
Emily Tye
Oct 27, 2026
6 min read
Does opening a bank account affect your credit score?
Opening a bank account usually has little effect on your credit score, but overdrafts and multiple applications can. Here's what to know.
Emily Tye
Oct 27, 2026
4 min read
How to avoid interest on a credit card
Learn how to avoid interest on a credit card by paying your statement balance in full and using the interest-free period.
Emily Tye
Oct 27, 2026
4 min read
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
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
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
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
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
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
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
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
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