The differences are mainly down to individuals companies preference on whether they want young drivers on thier books or not. For advice - look through these forums, and the motoring FAQ pages, as this subject has been discussed countless times on here. 

In my opinion this is a persoal choice based on whether a) you can afford an increase and b) your view on whether the interest rate will climb further. Personally, I expect it to drop over the coming 12months. As to what the highest you can borrow is, that all depends on your personal circumstances and the term of the borrowing.  Have you ...

Most insurers offer introductory bonuses, so be sure to shop around properly

Use the MS Smartsearch facility, which will allow you to search taking your financial history into account, thereby minimising the risk of being declined.

Whether he is telling the truth or not is not something I think anyone on here could make a call on - you have more experience that us of the guy after all. It could be an honest mistake on his part, and I would expect him to be happy to refund the depost given the circumstance, irrespective of his knowledge of the history (if he didnt he will ...

1. The claim is made against the policyholder, but your wife will be recorded as the driver 2. You are obliged to report 'all claims and losses' so you should have advised them.  However you can settle it yourself direct if both parties agree 3. Your wife was involved in a fault accident.  The other parties insurance company ...

Probably, but will depend on the insurer as they all have different rules. Get a letter from your employer, and make sure when you are shopping around that they are aware of your accident free history.

I would have thought that legally they should honour the original offer.  However, I dread to think of the service you will get if you end up having to use the legal system to force them.  My guess is they will honour the offer when they call back, but if not I would strongly recomend complain bitterly, but get out and find something ...

It depends on the inccuracy and the company involved - The info provided by Experian & Equifax is pretty easy to understand, so read and follow their instructions. it is mainly just a case of writing and formally saying that either a) it is nothing to do with you or b) getting the lender to remove it (the latter isnt always as easy as we ...

Get your credit reports from the various companies, and check through them carefully for inaccuracies.  Follow the companies instructions on how to correct any you find. Once you have a better understanding of your current state you will be in a better position to discuss credit with lenders.