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 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
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
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
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
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 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
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 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
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
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 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
Can you pay off a loan with a credit card?
You usually can't pay a loan directly with a credit card, but a money transfer card can. See how it works.
Joe Towner
Jul 31, 2026
5 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
Do loans affect your credit score?
Loans can affect your credit score when you apply, borrow and repay. See how each stage works in the UK.
Joe Towner
Jul 31, 2026
4 min read
Personal loans vs credit cards
Personal loan or credit card? Compare how they work, interest, repayments and credit impact.
Joe Towner
Jul 30, 2026
5 min read
Overdraft vs personal loan: how do they compare?
An overdraft is flexible short-term borrowing; a personal loan is a fixed lump sum over a set term. Compare how they work and when they are used.
Joe Towner
Jul 30, 2026
5 min read
Credit card acceptance rates in the UK: how many people are declined?
How many people are accepted or declined for a credit card in the UK? Zable analyses FCA, BoE and ONS data.
Emily Tye
Jul 28, 2026
6 min read
What are emergency loans?
An emergency loan is a fast personal loan for an urgent, unexpected cost.
Joe Towner
Jul 28, 2026
6 min read
Short term vs long term loans: what's the difference?
Compare short term and long term loans and see how changing the loan term impacts monthly repayments and total cost.
Joe Towner
Jul 28, 2026
5 min read
Do money transfers affect your credit score?
Sending money or transferring between accounts won't affect your credit score. But a money transfer credit card can.
Emily Tye
Jul 27, 2026
3 min read
Repaying a loan early
Learn your rights when repaying a loan early, early repayment charges, the 58-day interest rule and settlement figures.
Joe Towner
Jul 17, 2026
5 min read
Do guaranteed loans exist in the UK?
Guaranteed loans don't exist in the UK. Learn how to spot the scams, and your real options with bad credit.
Joe Towner
Jul 16, 2026
6 min read
How to apply for a loan
Learn more about what’s involved in applying for a personal loan in the UK including what information and documents you need.
Joe Towner
Jul 16, 2026
5 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
Jul 16, 2026
4 min read
What is a payday loan?
Learn more about how payday loans work, what the FCA price cap means for the cost, the risks and alternatives.
Joe Towner
Jul 16, 2026
6 min read
Credit union loans explained
Learn how credit union loans work, what they cost, who can apply and how they compare to bank loans.
Joe Towner
Jul 16, 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
Jul 15, 2026
5 min read
Does PayPal Credit affect your credit score?
PayPal Credit and Pay in 3 affect your credit score in different ways. Learn how each one can impact your credit score.
Emily Tye
Jul 15, 2026
4 min read