Debt Recovery

Wilson Nesbitt launch a new Belfast Office Suite and Client Meeting Hub

2nd September 2019

Wilson Nesbitt is pleased to announce the opening of a new office suite and client meeting hub at 36 Alfred Street, Belfast. The office suite provides a substantial increase in... Read more

Late payments costing small businesses £25,000

4th June 2019

By Gary AdairBusiness owners in Northern Ireland and the rest of the UK are owed £24,841 in late payments on any given day, according to a recent study of two... Read more

Over a thousand pounds raised by our marathon teams

14th May 2018

Our marathon relay teams were very delighted to hand over a cheque for £1,240 to Brian Shanks of the Simon Community NI. The team would like to thank everyone who made... Read more

Late payments affect mental health of small business owners

25th May 2017

By Gillian Crotty It is estimated that a third of all payments to small businesses are made late, and a new survey has looked at the impact on business owners, with... Read more

61 per cent of SME invoices are paid outside agreed period

25th January 2017

By Gillian Crotty New research suggests that 61 per cent of invoices issued by small and medium sized enterprises (SMEs) in Northern Ireland and the rest of the UK are not... Read more

SMEs encouraged to tackle late invoice payments

20th September 2016

By Gillian Crotty Small businesses in Northern Ireland and the rest of the UK are being encouraged to tackle late invoice payments in order to safe-guard their long term success. Ten of... Read more

60 per cent of SMEs waive late payment compensation to avoid offence

12th November 2015

By Gary Adair A new survey suggests that 60 per cent of small business owners waive the late payment compensation they are entitled to in order to avoid causing offence to... Read more

Online system proposed for compensation and divorce cases in NI

28th October 2015

By Gillian Crotty Solicitors dealing with divorces and compensation cases are being asked to consider the introduction of an online dispute resolution system in Northern Ireland. Holland and British Columbia in Canada... Read more

Small businesses dealing with 8 per cent increase in unpaid invoices

29th September 2015

By Gary Adair There has been an 8 per cent increase in outstanding invoices owed to SMEs in Northern Ireland and the rest of UK compared to last year, according to... Read more

Half of SMEs have written off late payments totalling 10pc of turnover

3rd September 2015

By Gillian Crotty Half of SMEs in Northern Ireland and the rest of the UK are writing off unpaid invoices that total 10 per cent of their turnover according to a... Read more

Late payments put a quarter of SMEs at risk of financial crisis

19th August 2015

By Gillian Crotty Just under a quarter (23 per cent) of SMEs say late invoice payments have put them at risk of going out of business, according to a new survey... Read more

30 per cent of payments to businesses in the UK are late

5th June 2015

By Gillian Crotty A new report looking at the impact of late payments on small businesses suggests that 30 per cent of invoices are paid outside of the agreed terms. The paper... Read more

New rules to tackle late payments pledged for April 2016

23rd March 2015

By Gillian Crotty The coalition government has pledged to introduce rules to tackle late payments by large companies in April next year if they remain in power. While the new rules are... Read more

FSB calls for inquiry into UK culture of late payment

3rd February 2015

By Gillian Crotty The Federation of Small Businesses (FSB) is calling for an independent inquiry to assess how best to tackle late payment and supply chain bullying. The FSB national chairman John... Read more

The best New Year's resolution to make for your business

6th January 2015

By Gillian Crotty Owners of small businesses in Northern Ireland and the rest of the UK will no doubt be making their resolutions for 2015, largely in the form of marketing... Read more

Northern Ireland businesses count the cost of 2014

16th December 2014

By Gary Adair New figures show the extent of the difficulties faced by businesses in Northern Ireland this year, with 5,120 companies ceasing to trade. According to the figures from the Office... Read more

Labour proposes clamp down on late payments

28th October 2014

By Gillian Crotty The Labour Party says it will clamp down on late payments by businesses with the proposal of 'tough' amendments to the Small Business Enterprise and Employment Bill. Late payment... Read more

Debt recovery and tips to minimise late payments

26th September 2014

By Gillian Crotty Small businesses continue to be troubled by late and non-paying customers, with SMEs in Northern Ireland and the rest of the UK estimated to be owed £40billion. Many... Read more

Northern Ireland debt levels higher than rest of UK

12th September 2014

By Gary Adair People in Northern Ireland have on average 20 per cent higher levels of personal debt that the rest of the UK according to a new report. The figures produced... Read more

97 pc of NI repossession sales result in mortgage shortfall

18th July 2014

By Michelle Rock Almost all sales (97 per cent) of repossessed properties in Northern Ireland resulted in a shortfall which is still owed by the mortgage borrower to the lender even... Read more

SMEs avoid debt recovery because they find it uncomfortable

7th July 2014

By Gillian Crotty New research suggests that 81 per cent of small business owners in Northern Ireland and the rest of the UK avoid chasing debts because they find the process... Read more

Payday lender used fake debt recovery solicitor firms

25th June 2014

By Gillian Crotty Payday lender Wonga sent letters to customers from fake debt recovery solicitor firms that they themselves had invented, and in some cases even added 'legal fees' to their... Read more

Bookkeepers see late payments causing cashflow problems

20th June 2014

By Gillian Crotty New research by the International Association of Bookkeepers (IAB) reveals that over half of their members have seen small businesses suffering cashflow problems as a result of late... Read more

New measures to tackle late payments by large firms

4th June 2014

By Gillian Crotty Vince Cable has announced new measures to be introduced by the government to tackle late payment by large firms, who have regular been considered to be among the... Read more

A brief guide to debt recovery for SMEs

20th May 2014

By Gary Adair It has recently been revealed that many small and medium sized businesses allow customer debt to go unchased for as long as 3 months before beginning to chase. Cashflow... Read more

Drop in Northern Ireland property repossessions

16th May 2014

By Gillian Crotty There was a 14 per cent decrease in repossessions of Northern Ireland properties in the first quarter of this year compared to the same quarter in 2013. There were... Read more

SMEs often wait for 3 months before chasing debt

30th April 2014

By Gillian Crotty Small businesses are allowing customer debt to go unchased for as long as 3 months before implementing any internal debt chase procedure or turning to external debt recovery... Read more

Fewer Northern Ireland companies with serious debt problems

23rd April 2014

By Gillian Crotty A new report suggests that there are fewer Northern Ireland companies with serious debt problems compared to last year. The Red Flag report in respect of the first quarter... Read more

Calls for prompter invoice payment by bigger companies

8th April 2014

By Gillian Crotty The UK government's small business ambassador, Karren Brady, has called for bigger companies to pay their invoices from small businesses in a more timely fashion, saying the practice... Read more

EU campaign to put spotlight on late payments

13th February 2014

By Gillian Crotty A European wide campaign has been attempting to put the spotlight on the impact of late payments on businesses, and to raise awareness of a new European directive... Read more

3000 Northern Ireland businesses facing cashflow problems

22nd January 2014

By Gillian Crotty New figures suggest that 3,643 businesses in Northern Ireland are facing financial difficulties, with 56 being classified as being in critical financial distress. The statistics produced by Begbies Traynor... Read more

SME Cash flow problems continue despite recovery

9th September 2013

By Gillian Crotty All the latest economic surveys and reports suggest that the economy in Northern Ireland and the rest of the UK is on the road to recovery, but small... Read more

Late customer payment curbing SMEs future growth

23rd July 2013

New research suggests that small and medium-sized enterprises (SMEs) are unable to invest in the future growth of their company as a result of an increase in late customer payments. The... Read more

SMEs take too long to chase debt says study

27th June 2013

Small and medium sized businesses are taking too long to chase outstanding invoice payments from their customers according to a new study by FreeAgent. Of the 500 people who responded to... Read more

Cashflow and red tape biggest problems for SMEs

10th May 2013

Small business owners in Northern Ireland and the rest of the UK have identified cashflow problems and bureaucracy as their biggest headaches when it comes to keeping their company afloat. A... Read more

Large companies slowest to pay invoices in Q1 2013

30th April 2013

Data from Experian on invoice payments in the first quarter of 2013 reveal that large companies in Northern Ireland and the rest of the UK are the slowest at paying... Read more

NI small businesses owed £3.1bn in late payments

4th April 2013

Research carried out by Bacs Payment Schemes Ltd (Bacs) has revealed that small businesses in Northern Ireland are owed, on average, £63,000 each by late-paying customers. In total £3.1billion is... Read more

ICM advises SMEs on cashflow management

22nd March 2013

The Minister of State for Business and Enterprise, Michael Fallon, and the Institute of Credit Management (ICM) are advising small businesses to avoid cashflow problems by taking steps to avoid... Read more

Credit control practices a must for SMEs

21st February 2013

Small businesses in Northern Ireland and the rest of the UK have found themselves having to re-think how they deal with late paying customers, as the problem with outstanding payments... Read more

Half of NI businesses suffer from late payments

9th January 2013

Over a half of businesses in Northern Ireland that responded to a survey say that late customer payments could drive them out of business. Nearly 500 local businesses were polled to... Read more

More UK businesses outsourcing debt recovery

7th January 2013

There was an increase in the number of businesses in Northern Ireland and the rest of the UK choosing to outsource debt collection to a third-party company in the last... Read more

Small businesses urged to credit check customers

6th December 2012

The effect of late invoice payments on small businesses is getting so severe that companies are being encouraged to credit check new customers to make sure they have the ability... Read more

NI construction woes cost small companies

7th November 2012

Another week, and another Northern Ireland construction company has gone into administration, this time the Patton Group that employs 320 staff throughout the province. That such a large company hits the... Read more

2 in 5 businesses see increase in late payments

6th November 2012

Approximately 40 per cent of small and medium sized businesses in Northern Ireland and the rest of the UK have seen an increase in the number of customers paying their... Read more

NI developer bankruptcy could be extended

31st October 2012

The bankruptcy status of a Northern Ireland developer and his wife could be extended over concerns that they have not fully disclosed all their assets, in particular, properties owned abroad. Sean... Read more

Million small businesses chase late payments

12th October 2012

New figures produced by Bacs have revealed that a million small and medium-sized enterprises (SMEs) in Northern Ireland and the rest of the UK are having to chase customers late... Read more

Half of councils paying small businesses late

14th September 2012

A study carried out by the Forum of Private Business has revealed that local authorities are among the worst offenders of late payments to small businesses and other suppliers. A target... Read more

How big contracts can cost SMEs

20th August 2012

Every small and medium sized business aspires to land big contracts with big companies, but a Think Tank is suggesting that SMEs should avoid dealing with bigger companies. The terms and... Read more

How SMEs can improve invoice payment times

18th July 2012

Businesses in Northern Ireland and the rest of the UK on average receive payment on their invoices 24.67 days after agreed terms, and are often obligated to enlist the help... Read more

SMEs can't afford long invoice payment delays

19th June 2012

A new survey has revealed that 1 in 10 business owners would have to close or scale back their operations if their customers took over 90 days to pay their... Read more

FSB calls for 10 day rule for invoice payment

16th May 2012

Regional chairman of the Federation of Small Business (FSB), Gordon Millward, is calling on the Government "to ensure that all public agencies follow the lead of central Government and pay... Read more

Small businesses have average debt of £30k

12th April 2012

Research by the Consumer Credit Counselling Service (CCCS) for The Independent has revealed that small business owners and the self-employed have average personal debt of £30,514. Most of the debt is... Read more

Millionaire gets 2.30am debt collection visit

4th April 2012

Millionaire Mario Georgallides, aged 54, says he received a visit from a debt collection agency at his home at 2.30am in the morning to collect an unpaid fine. Mr Georgallides had... Read more

Businesses crippled by late paying customers

14th March 2012

A survey carried out by Contact Law suggests that small and medium sized businesses are being pushed into difficulties with their cash-flow as a result of slow and non-paying customers. Cash-flow... Read more

Larger firms slower to pay debts to SMEs

13th February 2012

According to Experian, large firms in Britain are the slowest to pay their debts, though there has been some overall improvement in 2011. The statistics show that British companies often pay... Read more

£800k of debt recovered for our clients in 2011

19th January 2012

The Wilson Nesbitt debt recovery team successfully secured the payment of nearly £800,000 of debts owed to clients in 2011. Those debts involved both large sums owed to bigger client... Read more

Sean Quinn not entitled to declare bankruptcy in NI

11th January 2012

The High Court has ruled that former billionaire Sean Quinn was not entitled to declare bankruptcy in Northern Ireland over his large debt to the former Anglo Irish Bank -... Read more

A third of adults to take on debt to fund Christmas

16th December 2011

A survey by YouGov has revealed that 31% of people in Britain will get themselves into debt in order to fund their plans for Christmas, with a similar practice expected... Read more

NI Court error showed creditor in winding-up list

28th November 2011

The Northern Ireland Court service has issued an apology to Cemex (NI) Ltd after it mistakenly listed the company as being the subject of a winding-up petition. Cemex was in... Read more

Debt recovery companies warned off using social networks

15th November 2011

Debt collection companies have been warned not to pursue people on social network sites such as facebook and twitter, as doing so unfairly brings their debt problems into the public... Read more

OFT shuts down 62 debt management firms

27th September 2011

Over the last 12 months the Office of Fair Trading (OFT) has suspended the licenses of 62 debt management firms, and there has also been a clamp down on other... Read more

NI businesses look to recover old debts

2nd September 2011

Businesses in Northern Ireland are improving their debt recovery measures by chasing older debts that have been allowed to go unpaid for as long as six years, according to figures... Read more

Northern Ireland insolvencies at record high

9th August 2011

The second quarter of 2011 saw a record 752 people in Northern Ireland made insolvent, representing an 18% increase on the same quarter last year. The number of people who have... Read more

Boost for NI debt advice service

3rd August 2011

The Northern Ireland Mortgage Debt Advice Service is to receive a cash injection of £500,000 to enable it to continue operation until 2015. More than any other area of the UK,... Read more

Late payments stem cashflow of small businesses

23rd June 2011

The monthly Omnibus business survey released by Sage has revealed that over a third of small businesses believe late payments by customers have become a more serious problem in... Read more

Increase in debt as people borrow to pay bills

22nd June 2011

The latest monthly household finance index from Markit has revealed that personal debt in Northern Ireland and the rest of the UK is on the increase, as many householders find... Read more

Small Claims Court increase claims limit to £3000

5th May 2011

The Northern Ireland Courts and Tribunals Service increased the financial limit on Small Claims Applications. As of 2nd May 2011 you can issue a Claim within the Small Claims... Read more

Red Sky goes into voluntary administration

21st April 2011

Following the Northern Ireland Housing Executive (NIHE) decision last week to terminate contracts with maintenance company Red Sky valued at £8million, the firm has said it has had "no alternative"... Read more

HMRC hires 1000 workers to improve debt collection

13th April 2011

HM Revenue & Customs (HMRC) has received criticism of late in respect of its increasingly aggressive debt recovery tactics; in particular in response to an error they made with... Read more

Northern Ireland identified as debt hotspot

30th March 2011

A new report by the Consumer Credit Counselling Service (CCCS) has found that Northern Ireland is one of the UK's personal debt hotspots, with the charity saying it deals with... Read more

HMRC debt recovery tactics get tough

15th March 2011

Reports have started to surface about the receipt of increasingly aggressive letters being received from the HM Revenue & Customs (HMRC) threatening removal of household possessions for sale at... Read more

HMRC bankruptcy of woman lacking capacity annulled

15th March 2011

The bankruptcy of Nicola Haworth after an order obtained by the HM Revenue and Customs (HMRC) has been annulled on the basis that she lacks capacity, and that the... Read more

Baby boomers first generation to die with large debt

10th March 2011

A new report by Aviva has shown that one in seven of the baby boomer generation currently entering retirement will never be debt-free. They were the first generation to experience... Read more

Belfast skyscraper developer declared bankrupt

28th February 2011

Mervyn McAlister, the developer who planned to construct a 37-storey skyscraper at Great Victoria Street in Belfast, has been declared bankrupt. The building would have become the tallest... Read more

Northern Bank vows to recover debt

11th February 2011

Reeling from a pre-tax loss of £95million in 2010, including a provision of nearly £143million in bad debts, Northern Bank has vowed to recover debts from anyone who gave a... Read more

Public don't consider debts under 16k a problem

14th January 2011

The Financial Safety Net study produced by Scottish Provident this week shows that the majority of consumers do not feel they have a problem with debt until it exceeds... Read more

Homes at risk due to debts as small as £600

22nd November 2010

The office of Fair Trading (OFT) has vowed to clap down on lenders who are encouraging borrowers to pledge their homes against unsecured debts, after finding that some home-owners... Read more

Overspending is increasing personal debt in UK

11th November 2010

A new survey by Bright Grey has revealed that people in Northern Ireland and the rest of the UK are continuing to live beyond their means and are exposing themselves... Read more

NI businesses successfully recover customer debt

2nd November 2010

In the month of October alone, Wilson Nesbitt solicitors in Belfast successfully recovered customer debt totalling £107,644.67 for businesses in Northern Ireland and other parts of the UK. ... Read more

Debt collectors put on victims of loan fraud

29th October 2010

Debt collectors working on behalf of 'Help Loan', a Finnish company operating in the UK that specialise in fast loans of £50-£300 at very high rates, having been trying... Read more

4 in 10 adults have personal debt concerns

24th September 2010

Research carried out by insolvency trade body R3 has revealed that nearly 19 million adults in Britain, or 4 out of every 10 adults, have serious debt concerns. ... Read more

Charity struggles to deal with NI debt enquiries

17th September 2010

The Citizens Advice bureau has warned that they are struggling to keep up with the rising number of debt enquiries in Northern Ireland as the level of debt in Northern... Read more

Banks write off £40million family debt per day

2nd September 2010

Banks and building societies wrote off approximately £3.5billion of family debt between the months of April and June this year, equating to £40million every day. The figures released by the... Read more

Debt causes 1 in 3 Pensioners to dip into home equity

11th August 2010

Research carried out on behalf of the charity Age UK has revealed that 1 in 3 retired property owners are choosing to use equity release to clear debts. The other... Read more

Creditors use Facebook to help locate debtors

3rd August 2010

The use of Facebook for purposes other than simple social networking seems to make the headlines every other week, with insurance companies using it to catch injury claim fraudsters, employers... Read more

Britons have lax attitude to debt issues

28th July 2010

New research has revealed a lax attitude towards debt issues by the majority of Britons. Personal debt in Britain currently reaches over £1,460billion however of those surveyed by moneysupermarket.com 66%... Read more

Belfast company fined for aggressive debt collection

29th June 2010

The Magistrates Court has fined Belfast company Skyline Superstore Ltd £200 for using aggressive tactics when attempting to recover a debt. In March 2009, an agent for the company personally... Read more

Creditors to wait behind taxman to collect debts

10th June 2010

Never has the tax deferral scheme 'Time-to-Pay' been so aptly named, as the clock on arrangements entered into between businesses and the HMRC runs out, and companies find that now... Read more

?15million of bad debt written off by Invest NI

28th May 2010

The Northern Ireland Executive's industrial support agency, Invest NI, has written off almost £15million of debt owed to it by several companies, and is currently trying to recover debt totalling... Read more

UK personal debt reached ?1.46billion in March

6th May 2010

The amount of personal debt in the UK increased to £1.46billion in March according to 'Credit Action'. Credit card users are borrowing an average of £4,593 with consumer credit lending... Read more

Third of British debt made up of personal loans

19th March 2010

According to a new report published by the Consumer Credit Counselling Service (CCCS), a third of the overall debt owed by British borrowers experiencing money problems is made up of... Read more

Landlords sink into bankruptcy due to failing Buy to Let sector

15th March 2010

According to data released by IVA.com for March there has been a large increase in the number of professional landlords seeking serious debt advice. The company reports a 53% increase in... Read more

Northern Rock writes off ?1billion in bad debt

12th March 2010

The Nationalised bank Northern Rock experienced a 17% increase in bad debt of defaulting customers in 2009, resulting in a total write-off bill of £1billion. An increasing number of the banks... Read more

Insolvency - Paying for Christmas in March

12th March 2010

Insolvency trade body R3 have released figures today that suggest that nearly one third of personal insolvencies confirmed in March are as a direct result of big-spending during the festive... Read more

Debt charities unable to cope with consumer enquiries

8th February 2010

The National Audit Office (NAO) research showed the Government’s free debt counselling agencies struggled to cope with the number of consumers from Northern Ireland and the rest of the UK... Read more

Record number of people declared insolvent in 2009

5th February 2010

Figures released by the Insolvency Service show that a record number of people in England and Wales were declared insolvent during 2009. 134,142 people went bankrupt, sought debt relief, or... Read more

Financial distress to increase for businesses during recession

19th January 2010

Begbies Traynor, have today released their latest Red Flag alert which is a monitor of early warning signs of company distress, and will make for uncomfortable reading among UK business... Read more

New service launched by Wilson Nesbitt a first for Northern Ireland

1st December 2009

In a first for Northern Ireland, Wilson Nesbitt Solicitors of Belfast have launched their new business law guide and document builder website. People visiting www.wilsonnesbittonline.co.uk will have free access to... Read more

UK debt hits £1,459bn

1st July 2009

The total amount of personal debt in the UK and Northern Ireland has hit £1,459 billion, according to new figures.Credit Action's latest findings, which could impact on the number of... Read more

NI debt soars as recession continues

20th April 2009

Solicitors in Belfast may increasingly find themselves dealing with debt-related matters following the revelation that credit card debt in Northern Ireland (NI) has soared to unprecedented levels, it has emerged.According... Read more

Consumers switch to debt reduction due to financial turmoil

17th April 2009

New figures from Unbiased.co.uk have revealed how 2008 saw British consumers, including Northern Ireland (NI) residents, switch from saving to debt repayment as the credit crunch took hold of the... Read more

Recession hitting Northern Ireland hard

17th March 2009

Some parts of the UK are being affected to a greater extent than others by the recession, a BBC Radio 4 investigation has found.The World at One programme conducted an... Read more

Parents in debt as children ask for bailouts

25th February 2009

Two million parents in the UK have been pushed into debt as a result of bailing out their children with financial help, Scottish Widows Savings and Investments annual Report has... Read more

Need for financial advice up as credit crisis continues

18th February 2009

New figures show that the credit crunch has led to an increase in the number of people seeking professional financial advice, with a 20 per cent increase noted in the... Read more

Debt advice being offered by bankers

10th February 2009

Bankers and lenders have changed their attitudes towards lending and are now more concerned with offering debt advice to consumers, it has been stated.The UK Insolvency Helpline, which is made... Read more

Find out what options you have, investors told

2nd February 2009

Seeking debt advice as early as possible in order to find out what options are available is vital in the current economic environment, according to the Money Advice Trust.Homeowners facing... Read more

More in need of debt advice due to downturn

28th January 2009

Demand for debt advice is on the rise as declining property values, redundancies and the recession continue to push people into financial difficulty necessitating the services of a solicitor for... Read more

Overdependence on credit source of debt, expert says

15th January 2009

Solicitors in Northern Ireland may be interested to know that many people in the province are finding themselves in financial difficulty because of overdependence on credit.This is the opinion of... Read more

Half not seeking help on debt despite concerns

6th January 2009

New research shows that half of those concerned with debt are not asking for advice on how to get their money woes sorted out, despite growing financial pressure, solicitors in... Read more

Repossessions feared in Northern Ireland

24th December 2008

Hundreds of families in Northern Ireland are fearing that their Christmas could turn out to be their worst ever, as they believe they are in danger of having their homes... Read more

Quarter of the population in financial trouble

10th December 2008

The threat of bankruptcy and repossession continues to grow across the UK with a quarter of the population now struggling to keep a handle on finances, solicitors in Belfast may... Read more

Brits owe £4.71bn to friends and relatives

5th December 2008

A different kind of debt has British people £4.71 billion in the red, money that is owed not to institutions or any official lender but friends and relatives, solicitors in... Read more

People continue to fall further in debt

4th December 2008

New data has revealed that the number of people in debt has fallen into further debt in the last three months as the financial pressure brought about by the credit... Read more

Lenders urged to avoid repossessions

14th November 2008

Solicitors in Northern Ireland may be interested to know that the Homeowners Advice Centre has spoken in favour of homeowners concerning the rising threat of repossessions.The organisation has urged mortgage... Read more

Personal debt solution proposed

4th November 2008

Solicitors in Northern Ireland may want to know that national charity Citizens Advice is proposing a new way for people in debt to regain control of their finances.The charity has... Read more

Homeowners to be protected from repossessions

23rd October 2008

Debt recovery procedures for homeowners in Northern Ireland and other areas in the UK facing mortgage trouble have been put in place by the government.New measures introduced now require mortgage... Read more

Arrears expected as crunch continues

22nd October 2008

Solicitors in Northern Ireland may find themselves under increasing demand from struggling homeowners following revelations that the next few months are likely to see large increases in arrears.According to the... Read more

IPODs face bleak future

21st October 2008

An outdated financial establishment together with the government is letting down Insecure, Pressurised, Over-taxed and Debt-ridden (IPODs) 18-34-year-olds, a new report suggests.According to the report from the Chartered Insurance Institute... Read more

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