About us
We teach borrowing. We do not sell it.
tredaibrokelap.com is a free, independent course in credit and borrowing literacy for people in the UK, written by a small editorial team in Bristol.
Why we existMost people sign a credit agreement once every few years. Lenders write them every day. We want that gap to be smaller.
The team behind this site came from community money advice: drop-in sessions, phone lines, kitchen tables with a pile of letters in the middle. The same thing happened again and again. People were not careless. They had simply never been shown how to read the paperwork.
So we wrote the course we wished we could have handed out. It is built in steps because that is how borrowing happens: you decide, you repay, and sometimes you need help. Each card ends with one practical line to carry into the next agreement you see.
Editorial approach
How a page gets made.
Four stages, every time. Nothing goes live because it is quick to publish.
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Start from a real question
Topics come from the questions people actually ask about borrowing, not from what is popular to search.
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Check the primary source
We read the regulator’s rules, public guidance and the law as published, and we describe them in plain English.
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Make the numbers honest
Every example is invented, labelled as an illustration and worked out with simple arithmetic you can repeat.
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Review and date it
A second editor checks each page. The review date changes whenever the content does.
Business model
How we are funded, in full.
This website is funded by advertising. All content is free. We do not sell financial products or services, we are not a lender or a credit broker, and we do not receive commissions for recommending financial products. If we ever change how the site is funded, we will say so on this page and in our Terms of Use.
| We do | We never |
|---|---|
| Explain how credit agreements, credit files and debt work | Offer, arrange, compare or recommend loans or lenders |
| Show made-up examples labelled as illustrations | Quote rates or tell anyone they would be accepted |
| Point to free public and charitable help | Take referral fees or commissions from anyone |
| Keep every page free to read | Charge for content, accounts or subscriptions |
| Answer questions about our materials | Give personal financial advice or ask for your financial details |
Editorial standards
The promises we hold ourselves to.
- Independence
- No lender, broker or debt firm can pay for, review or change what we publish.
- Plain English
- Short sentences. Terms explained the first time they appear. No jargon used to sound clever.
- Risk first
- When a choice can cost you money, a home or a clean credit file, we say so clearly and early.
- Corrections
- Errors reported by readers are checked and fixed, and the page review date is updated.
- Technology
- We use ordinary software for spelling and layout. Every explanation is written and checked by people on the team.
- Advertising separate
- Adverts, if shown, are clearly marked and never placed to look like part of a lesson.
Who is behind this
A small, independent team. No famous faces.
We are an independent editorial project based in Bristol. We do not publish named author profiles, invented experts or testimonials, and we do not claim qualifications or awards. Pages are credited to the editorial team, and the team answers for them together.
You can reach us the ordinary way: by email at info@tredaibrokelap.com, by phone on 0117 496 0418, or by post at 27 Picton Street, Bristol BS6 5PZ.
A word on risk. Borrowing always costs money. Missed payments can bring charges, harm your credit file and, for secured loans, put an asset such as your home at risk. Our job is to help you see those risks before you sign, not to decide for you.
Contact the editors