{
  "generated": "2026-10-31",
  "name": "PiggyBank money guides",
  "publisher": "PB Loans Limited (trading as PiggyBank), authorised and regulated by the Financial Conduct Authority, FRN 704303",
  "description": "Free, plain-English guides to UK credit reports and scores, bad credit, borrowing costs, credit cards, debt help and consumer rights, each checked against official sources. General information, not advice.",
  "topics": [
    {
      "slug": "credit-reports",
      "name": "Credit reports and scores",
      "summary": "What is on your credit file, how to check it for free, and how to put mistakes right.",
      "url": "https://www.piggybankloans.co.uk/guides/credit-reports",
      "guides": [
        {
          "slug": "how-to-check-your-credit-report",
          "title": "How to check your credit report in the UK",
          "url": "https://www.piggybankloans.co.uk/guides/credit-reports/how-to-check-your-credit-report"
        }
      ]
    },
    {
      "slug": "bad-credit",
      "name": "Bad credit explained",
      "summary": "Missed payments, defaults and CCJs: what they mean, how long they last and how to rebuild.",
      "url": "https://www.piggybankloans.co.uk/guides/bad-credit",
      "guides": []
    },
    {
      "slug": "borrowing-costs",
      "name": "Borrowing and its real cost",
      "summary": "APR, total repayable, affordability checks and the rules lenders have to follow.",
      "url": "https://www.piggybankloans.co.uk/guides/borrowing-costs",
      "guides": [
        {
          "slug": "apr-and-total-repayable",
          "title": "APR and total repayable: how to understand the real cost of borrowing",
          "url": "https://www.piggybankloans.co.uk/guides/borrowing-costs/apr-and-total-repayable"
        }
      ]
    },
    {
      "slug": "credit-cards",
      "name": "Credit cards explained",
      "summary": "Minimum payments, 0% deals, credit builder cards and persistent debt.",
      "url": "https://www.piggybankloans.co.uk/guides/credit-cards",
      "guides": []
    },
    {
      "slug": "money-help",
      "name": "Money worries and free help",
      "summary": "Priority bills, free debt advice, Breathing Space and what to do if you cannot pay.",
      "url": "https://www.piggybankloans.co.uk/guides/money-help",
      "guides": [
        {
          "slug": "cant-afford-your-loan-repayments",
          "title": "What to do if you cannot afford your loan repayments",
          "url": "https://www.piggybankloans.co.uk/guides/money-help/cant-afford-your-loan-repayments"
        },
        {
          "slug": "where-to-get-free-debt-advice",
          "title": "Where to get free debt advice in the UK",
          "url": "https://www.piggybankloans.co.uk/guides/money-help/where-to-get-free-debt-advice"
        },
        {
          "slug": "which-bills-to-pay-first",
          "title": "Which bills to pay first when money is tight",
          "url": "https://www.piggybankloans.co.uk/guides/money-help/which-bills-to-pay-first"
        }
      ]
    },
    {
      "slug": "your-rights",
      "name": "Your rights and complaints",
      "summary": "Cooling-off, paying early, complaints and the Financial Ombudsman.",
      "url": "https://www.piggybankloans.co.uk/guides/your-rights",
      "guides": []
    }
  ],
  "counts": {
    "guides": 5,
    "answers": 3,
    "news": 4
  },
  "api": {
    "guides": "https://www.piggybankloans.co.uk/api/guides.json",
    "answers": "https://www.piggybankloans.co.uk/api/answers.json",
    "news": "https://www.piggybankloans.co.uk/api/news.json",
    "loan_facts": "https://www.piggybankloans.co.uk/api/loan-facts.json",
    "debt_help": "https://www.piggybankloans.co.uk/api/debt-help.json",
    "openapi": "https://www.piggybankloans.co.uk/api/openapi.json"
  },
  "mcp": "https://www.piggybankloans.co.uk/mcp",
  "llms": "https://www.piggybankloans.co.uk/llms.txt"
}