Yorkshire Bank - High Street, Coventry
Image Source: ell brown

Columnist

Top 10 tips for claiming for a Mis-sold Tailored Business Loan

Clydesdale Bank plc, owners of the banking brands Clydesdale and Yorkshire Banks, recently increased their provisions for Mis-sold Tailored Business Loans and Stand Alone Interest Rate Hedging Products to £442million. Although this seems like a significant sum, it is still dwarfed by provisions other banks have set aside for mis-sold Swaps, such as Barclays and Royal Bank of Scotland who have provisioned over £1 billion each.

If you believe your business has been mis-sold an interest rate hedging product, commonly known as a ‘Swap’ and you bank with Clydesdale or Yorkshire Bank, then you need to be aware of several key differences between Clydesdale and Yorkshire Bank hedging products and those supplied by the other main high street banks, and how this could affect your chances of successfully claiming financial.

Yorkshire Business Claim is a specialist firm of ex-banking professionals and in-house lawyers that are experts in assisting business claim redress for the mis-selling of these complex banking products. We’ve compiled a list of 10 key considerations for those businesses that are looking to claim against Clydesdale and Yorkshire Bank for a Mis-sold Tailored Business Loan:

#1. Clydesdale and Yorkshire Bank sold two types of Interest Rate Hedging Products to businesses throughout the UK. (1) Stand Alone Hedging Products and (2) Tailored Business Loans. Be sure to check which type of product you hold.

#2. Clydesdale and Yorkshire Bank have increased their provisions relating to the mis-selling of Interest Rate Hedging Products and Tailored Business Loans to £442million or an increase of 9-fold in one year. If you have one of these products, then there is a good chance that you will be entitled to a proportion of this compensation.

#3. A Tailored Business Loan is effectively a brand of a type of hedging product. Only three banks in the UK provided Tailored Business Loans. Clydesdale, Yorkshire and Northern Bank (now Danske Bank). Check to see if you have had a business bank account with one of these three banks since 2001.

#4. A Tailored Business Loan differs from a Standalone Hedging Product in that the Tailored Business Loan ‘embeds’ or hides the derivative used to provide the hedging WITHIN the commercial bank loan. Check to see if your loan documents has the wording “Tailored Business Loan” within it.

#5. Stand Alone Interest Rate Hedging Products (IRHPs) are included in the Financial Conduct Authorities Review into the mis-selling of IRHPs, Tailored Business Loans are not included. Check to see if you have received a letter from your bank inviting you to participate in the review scheme.

#6. However, there is a ‘mirror review’ that Clydesdale and Yorkshire Bank have set up to review some types of Tailored Business Loans. These products are labelled “Category A” or “Structured Collars” - Again, check to see if you hold one of these Category A products.

#7. Even if you don’t hold a Category A product, you can still seek to achieve redress if the product has been mis-sold by using the banks’ complaint process.

#8. Before complaining or having your product reviewed in the FCA scheme, make sure you get all the information available from your bank. You can do this by submitting a Subject Access Request (SAR) to your bank and they should release some documents on your file that they hold. Having this information will help you build your case against the bank for mis-selling. If you haven’t done so already, put a SAR application into your bank.

#9. If the bank does not uphold your complaint, you can potentially appeal this decision if it’s a Category A product or you can take your case to the Financial Ombudsman Service who will independently adjudicate on your case. Check to see if your business is eligible for the Financial Ombudsman.

#10. Don’t forget about Consequential Losses relating to your claim if relevant. Consequential Loss are losses that have flowed from the mis-selling of the interest rate hedging product such as additional fees, loss of business opportunity or forced fire-sale of assets at discounted prices. You will need to formulate your Consequential Loss claim in parallel with your basic redress claim for all Clydesdale and Yorkshire Bank cases. Be sure to speak to a qualified Forensic Accountant, as Consequential Loss claims can be quite complex in nature.

For further information on claiming for a mis-sold Clydesdale or Yorkshire Bank hedging product please call us on 0113 323 1955 or email claims@ybclaim.co.uk or visit us on www.ybclaim.co.uk.

This was posted in Bdaily's Members' News section by Daniel Hall .

Enjoy the read? Get Bdaily delivered.

Sign up to receive our popular Yorkshire & The Humber morning email for free.

* Occasional offers & updates from selected Bdaily partners

Our Partners

7.4.33PHP Version207msRequest Duration6MBMemory UsageGET articles/{year}/{month}/{date}/{slug}Route
  • infoNot Logged in - Enabling Caching
  • infolog[09:42:51] LOG.info: columnists
  • infoApplying Caching Header to Response
  • Booting (27.13ms)
  • Application (180ms)
  • Partners View Composer (2.87ms)
  • Columnist Content View Composer (2.91ms)
  • Navigation View Composer (7μs)
  • Partners View Composer (4.03ms)
  • Broadcast Composer (3.25ms)
  • Navigation View Composer (4μs)
  • 1 x Application (86.84%)
    180.06ms
    1 x Booting (13.09%)
    27.13ms
    2 x Partners View Composer (3.33%)
    6.91ms
    1 x Broadcast Composer (1.57%)
    3.25ms
    1 x Columnist Content View Composer (1.4%)
    2.91ms
    2 x Navigation View Composer (0.01%)
    11μs
    30 templates were rendered
    • article (resources/views/article.blade.php)10blade
      Params
      0
      article
      1
      body
      2
      canonicalUrl
      3
      sponsored
      4
      sponsored2024
      5
      content
      6
      headline
      7
      mainImage
      8
      profile
      9
      title
    • frontend._artivent (resources/views/frontend/_artivent.blade.php)17blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
    • pictures._picture (resources/views/pictures/_picture.blade.php)7blade
      Params
      0
      image
      1
      src
      2
      sources
      3
      hideCopyright
      4
      smallCopyright
      5
      cover
      6
      lazyLoad
    • frontend.articles._author (resources/views/frontend/articles/_author.blade.php)27blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      image
      23
      date
      24
      name
      25
      premium
      26
      editor
    • frontend.profiles._article-byline (resources/views/frontend/profiles/_article-byline.blade.php)27blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      image
      23
      date
      24
      name
      25
      premium
      26
      editor
    • frontend.profiles._author (resources/views/frontend/profiles/_author.blade.php)27blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      image
      23
      date
      24
      name
      25
      premium
      26
      editor
    • article._social_links (resources/views/article/_social_links.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      url
    • article._social_link (resources/views/article/_social_link.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      url
      23
      service
      24
      id
    • article._social_link (resources/views/article/_social_link.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      url
      23
      service
      24
      id
    • article._social_link (resources/views/article/_social_link.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      url
      23
      service
      24
      id
    • frontend.adverts._sidebar-skyscraper-mid-content (resources/views/frontend/adverts/_sidebar-skyscraper-mid-content.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend.adverts._topic (resources/views/frontend/adverts/_topic.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend._titled_tags (resources/views/frontend/_titled_tags.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      tags
    • frontend._campaign-monitor (resources/views/frontend/_campaign-monitor.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      tags
    • frontend._partners (resources/views/frontend/_partners.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      partners
    • layouts.sidebar (resources/views/layouts/sidebar.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend.adverts._leaderboard-top (resources/views/frontend/adverts/_leaderboard-top.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend.adverts._sidebar-skyscraper (resources/views/frontend/adverts/_sidebar-skyscraper.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • sidebar._columnist_content (resources/views/sidebar/_columnist_content.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      columnistContent
    • layouts.app (resources/views/layouts/app.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • layouts._meta (resources/views/layouts/_meta.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend.adverts._scripts (resources/views/frontend/adverts/_scripts.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • snippets._matomo (resources/views/snippets/_matomo.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      gtag
      23
      ua
      24
      matomo
    • snippets._gtag (resources/views/snippets/_gtag.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      gtag
      23
      ua
      24
      matomo
    • snippets._gtag-ns (resources/views/snippets/_gtag-ns.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    • frontend._header (resources/views/frontend/_header.blade.php)25blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      sectors
      23
      regions
      24
      partners
    • layouts._flashes (resources/views/layouts/_flashes.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      broadcast
    • layouts._notifications (resources/views/layouts/_notifications.blade.php)23blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      broadcast
    • footer._footer (resources/views/footer/_footer.blade.php)24blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
      22
      sectors
      23
      regions
    • layouts._tracking (resources/views/layouts/_tracking.blade.php)22blade
      Params
      0
      obLevel
      1
      __env
      2
      app
      3
      errors
      4
      article
      5
      body
      6
      canonicalUrl
      7
      sponsored
      8
      sponsored2024
      9
      content
      10
      headline
      11
      mainImage
      12
      profile
      13
      title
      14
      __currentLoopData
      15
      tag
      16
      loop
      17
      picture
      18
      caption
      19
      author_image
      20
      columnist_author
      21
      columnist_link
    uri
    GET articles/{year}/{month}/{date}/{slug}
    middleware
    web
    as
    articles.article
    controller
    App\Http\Controllers\ArticleController@getArticle
    namespace
    App\Http\Controllers
    prefix
    /articles
    where
    file
    app/Http/Controllers/ArticleController.php:58-111
    26 statements were executed, 6 of which were duplicated, 20 unique84.33ms
    • select * from "articles" where "published_at"::date = '2015-01-22' and "slug" = 'top-10-tips-for-claiming-for-a-mis-sold-tailored-business-loan' and "type" != 'blog' and "articles"."deleted_at" is null limit 134.75ms/app/Database/Articles.php:27production
      Metadata
      Bindings
      • 0. 2015-01-22
      • 1. top-10-tips-for-claiming-for-a-mis-sold-tailored-business-loan
      • 2. blog
      Backtrace
      • 16. /app/Database/Articles.php:27
      • 17. /app/Infrastructure/Cache/Articles.php:30
      • 18. /app/Http/Controllers/ArticleController.php:61
      • 21. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:45
      • 22. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:219
    • select "tags".*, "taggables"."taggable_id" as "pivot_taggable_id", "taggables"."tag_id" as "pivot_tag_id", "taggables"."taggable_type" as "pivot_taggable_type" from "tags" inner join "taggables" on "tags"."id" = "taggables"."tag_id" where "taggables"."taggable_id" in ('d05257d5-ff77-4bb7-8943-81948563d447') and "taggables"."taggable_type" = 'article' and "tags"."deleted_at" is null5.81ms/app/Http/Controllers/ArticleController.php:80production
      Metadata
      Bindings
      • 0. d05257d5-ff77-4bb7-8943-81948563d447
      • 1. article
      Backtrace
      • 18. /app/Http/Controllers/ArticleController.php:80
      • 21. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:45
      • 22. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:219
      • 23. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:176
      • 24. /vendor/laravel/framework/src/Illuminate/Routing/Router.php:680
    • select * from "profiles" where "profiles"."id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' limit 12.02ms/app/Views/Analytics/PublishedItem.php:36production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 20. /app/Views/Analytics/PublishedItem.php:36
      • 21. /app/Http/Controllers/ArticleController.php:82
      • 24. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:45
      • 25. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:219
      • 26. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:176
    • select * from "editors" where "editors"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' limit 1960μs/vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 16. /vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23
      • 19. /app/Domain/Profiles/Profile.php:127
      • 20. /app/Views/Analytics/PublishedItem.php:36
      • 21. /app/Http/Controllers/ArticleController.php:82
      • 24. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:45
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'd05257d5-ff77-4bb7-8943-81948563d447' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null3.12ms/app/Http/Controllers/ArticleController.php:107production
      Metadata
      Bindings
      • 0. d05257d5-ff77-4bb7-8943-81948563d447
      • 1. article
      Backtrace
      • 19. /app/Http/Controllers/ArticleController.php:107
      • 22. /vendor/laravel/framework/src/Illuminate/Routing/ControllerDispatcher.php:45
      • 23. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:219
      • 24. /vendor/laravel/framework/src/Illuminate/Routing/Route.php:176
      • 25. /vendor/laravel/framework/src/Illuminate/Routing/Router.php:680
    • select "columnists".*, "article_columnist"."article_id" as "pivot_article_id", "article_columnist"."columnist_id" as "pivot_columnist_id" from "columnists" inner join "article_columnist" on "columnists"."id" = "article_columnist"."columnist_id" where "article_columnist"."article_id" = 'd05257d5-ff77-4bb7-8943-81948563d447' and "columnists"."deleted_at" is null2.08msview::frontend._artivent:60production
      Metadata
      Bindings
      • 0. d05257d5-ff77-4bb7-8943-81948563d447
      Backtrace
      • 19. view::frontend._artivent:60
      • 21. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 22. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 23. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 24. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' and "imageables"."imageable_type" = 'profile' and "images"."deleted_at" is null1.09msview::frontend._artivent:70production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      • 1. profile
      Backtrace
      • 19. view::frontend._artivent:70
      • 21. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 22. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 23. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 24. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select * from "premium_memberships" where "premium_memberships"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' and "premium_memberships"."profile_id" is not null limit 1970μs/app/Domain/Profiles/Profile.php:116production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 20. /app/Domain/Profiles/Profile.php:116
      • 21. view::frontend._artivent:76
      • 23. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 24. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 25. /vendor/laravel/framework/src/Illuminate/View/View.php:125
    • select * from "editors" where "editors"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' limit 1440μs/vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 16. /vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23
      • 19. /app/Domain/Profiles/Profile.php:127
      • 20. view::frontend._artivent:77
      • 22. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 23. /vendor/laravel/framework/src/Illuminate/View/View.php:142
    • select * from "editors" where "editors"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' limit 1550μs/vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 16. /vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23
      • 19. /app/Domain/Profiles/Profile.php:127
      • 20. /app/Domain/Profiles/Profile.php:150
      • 21. view::frontend._artivent:78
      • 23. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
    • select * from "profile_pages" where "profile_pages"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' and "profile_pages"."profile_id" is not null limit 11.3msview::frontend.profiles._article-byline:12production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 21. view::frontend.profiles._article-byline:12
      • 23. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 24. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 25. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 26. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select * from "editors" where "editors"."profile_id" = '5fb3575a-3934-4f1e-9c27-bdb83e8f59e6' limit 1440μs/vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23production
      Metadata
      Bindings
      • 0. 5fb3575a-3934-4f1e-9c27-bdb83e8f59e6
      Backtrace
      • 16. /vendor/laravel/framework/src/Illuminate/Support/Traits/ForwardsCalls.php:23
      • 19. /app/Domain/Profiles/Profile.php:127
      • 20. view::frontend._artivent:104
      • 22. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 23. /vendor/laravel/framework/src/Illuminate/View/View.php:142
    • select * from "partners" where "partners"."deleted_at" is null order by "created_at" asc1.94ms/app/Domain/Partners/PartnerRepository.php:58production
      Metadata
      Backtrace
      • 14. /app/Domain/Partners/PartnerRepository.php:58
      • 15. /app/Http/ViewComposers/PartnersComposer.php:24
      • 16. /app/Http/ViewComposers/SimpleComposer.php:15
      • 21. /vendor/laravel/framework/src/Illuminate/View/Concerns/ManagesEvents.php:179
      • 22. /vendor/laravel/framework/src/Illuminate/View/View.php:123
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '012c0f7a-be40-414b-ac11-3b045afe8bfb' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.14msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 012c0f7a-be40-414b-ac11-3b045afe8bfb
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '2a9b03d0-abfa-41b8-b7c7-3d674e609571' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 14.05msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 2a9b03d0-abfa-41b8-b7c7-3d674e609571
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'bc10c42f-ed28-4810-b1c9-ad5f5e75d131' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.65msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. bc10c42f-ed28-4810-b1c9-ad5f5e75d131
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '61fdb3d2-dc48-4ed2-addc-2b628ee90b43' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 12.04msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 61fdb3d2-dc48-4ed2-addc-2b628ee90b43
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'b03116a0-abce-47bf-b25d-251b2a3a94bf' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.4msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. b03116a0-abce-47bf-b25d-251b2a3a94bf
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '1b2e71ec-cab4-4833-bf36-39846c13bd0e' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 12.53msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 1b2e71ec-cab4-4833-bf36-39846c13bd0e
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '743a18b7-f43c-4b89-83f8-047bcee61c5b' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.45msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 743a18b7-f43c-4b89-83f8-047bcee61c5b
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '08571622-e1f2-4f34-a28c-754812d2e981' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 15.38msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 08571622-e1f2-4f34-a28c-754812d2e981
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'e8088dc2-1a18-452c-98ce-f8fa866b8cae' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.37msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. e8088dc2-1a18-452c-98ce-f8fa866b8cae
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'f9843bb6-db0d-4f60-92e3-b693f63f039d' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.21msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. f9843bb6-db0d-4f60-92e3-b693f63f039d
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = '4c731ca5-146b-404a-a5ed-0c8c9221f43e' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 12.16msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. 4c731ca5-146b-404a-a5ed-0c8c9221f43e
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select "images".*, "imageables"."imageable_id" as "pivot_imageable_id", "imageables"."image_id" as "pivot_image_id", "imageables"."imageable_type" as "pivot_imageable_type", "imageables"."caption" as "pivot_caption" from "images" inner join "imageables" on "images"."id" = "imageables"."image_id" where "imageables"."imageable_id" = 'b5688c09-40b5-4f39-893a-0259ab85cbf6' and "imageables"."imageable_type" = 'article' and "images"."deleted_at" is null limit 11.19msview::sidebar._columnist_content:8production
      Metadata
      Bindings
      • 0. b5688c09-40b5-4f39-893a-0259ab85cbf6
      • 1. article
      Backtrace
      • 15. view::sidebar._columnist_content:8
      • 17. /vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:59
      • 18. /vendor/laravel/framework/src/Illuminate/View/View.php:142
      • 19. /vendor/laravel/framework/src/Illuminate/View/View.php:125
      • 20. /vendor/laravel/framework/src/Illuminate/View/View.php:90
    • select * from "partners" where "partners"."deleted_at" is null order by "created_at" asc3.29ms/app/Domain/Partners/PartnerRepository.php:58production
      Metadata
      Backtrace
      • 14. /app/Domain/Partners/PartnerRepository.php:58
      • 15. /app/Http/ViewComposers/PartnersComposer.php:24
      • 16. /app/Http/ViewComposers/SimpleComposer.php:15
      • 21. /vendor/laravel/framework/src/Illuminate/View/Concerns/ManagesEvents.php:179
      • 22. /vendor/laravel/framework/src/Illuminate/View/View.php:123
    App\Domain\Partners\Partner
    10
    App\Domain\Profiles\Page
    1
    App\Domain\Images\Image
    13
    App\Domain\Profiles\Profile
    1
    App\Domain\Tags\Tag
    7
    App\Domain\Articles\Article
    1
        _token
        0djF0uwe47lpC4o0KSx0tCxlEYtBb1OGgbiA7gdY
        _previous
        array:1 [ "url" => "https://bdailytest.cargodev.co.uk/articles/2015/01/22/top-10-tips-for-claiming...
        _flash
        array:2 [ "old" => [] "new" => [] ]
        PHPDEBUGBAR_STACK_DATA
        []
        path_info
        /articles/2015/01/22/top-10-tips-for-claiming-for-a-mis-sold-tailored-business-loan
        status_code
        200
        
        status_text
        OK
        format
        html
        content_type
        text/html; charset=UTF-8
        request_query
        []
        
        request_request
        []
        
        request_headers
        0 of 0
        array:25 [ "x-varnish" => array:1 [ 0 => "11370899" ] "accept-encoding" => array:1 [ 0 => "gzip" ] "host" => array:1 [ 0 => "backend_web" ] "via" => array:1 [ 0 => "1.1 6dbe004b94f9 (Varnish/7.5)" ] "x-forwarded-for" => array:1 [ 0 => "216.73.216.34, 172.18.0.4" ] "x-real-ip" => array:1 [ 0 => "216.73.216.34" ] "x-forwarded-server" => array:1 [ 0 => "8e95d08d5201" ] "x-forwarded-proto" => array:1 [ 0 => "https" ] "x-forwarded-port" => array:1 [ 0 => "443" ] "x-forwarded-host" => array:1 [ 0 => "bdailytest.cargodev.co.uk" ] "upgrade-insecure-requests" => array:1 [ 0 => "1" ] "sec-fetch-user" => array:1 [ 0 => "?1" ] "sec-fetch-site" => array:1 [ 0 => "none" ] "sec-fetch-mode" => array:1 [ 0 => "navigate" ] "sec-fetch-dest" => array:1 [ 0 => "document" ] "sec-ch-ua-platform" => array:1 [ 0 => ""Windows"" ] "sec-ch-ua-mobile" => array:1 [ 0 => "?0" ] "sec-ch-ua" => array:1 [ 0 => ""Chromium";v="130", "HeadlessChrome";v="130", "Not?A_Brand";v="99"" ] "priority" => array:1 [ 0 => "u=0, i" ] "pragma" => array:1 [ 0 => "no-cache" ] "accept" => array:1 [ 0 => "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.7" ] "user-agent" => array:1 [ 0 => "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" ] "content-length" => array:1 [ 0 => "" ] "content-type" => array:1 [ 0 => "" ] "x-cacheable" => array:1 [ 0 => "Yes" ] ]
        request_server
        0 of 0
        array:131 [ "REDIS_PORT" => "6379" "DB_CONNECTION" => "pgsql" "LOG_LEVEL" => "debug" "PIWIK_TOKEN" => "" "APP_DEBUG" => "true" "MAIL_USERNAME" => "postmaster@bdaily.co.uk" "HOSTNAME" => "980d0127dbeb" "DB_PORT" => "5432" "MAILGUN_ENDPOINT" => "api.eu.mailgun.net" "APP_URL" => "https://bdailytest.cargodev.co.uk" "PHP_INI_DIR" => "/usr/local/etc/php" "MAILGUN_SECRET" => "******" "DISQUS_SHORTNAME" => "bdaily-2" "APP_DOMAIN" => "bdaily" "FLICKR_SECRET" => "******" "HOME" => "/var/www" "PEXELS_API_KEY" => "******" "PIWIK_SITE_ID" => "1" "APP_API_DOMAIN" => "api.bdailytest.cargodev.co.uk" "DB_DATABASE" => "production" "NEVERBOUNCE_USERNAME" => "" "PHP_LDFLAGS" => "-Wl,-O1 -pie" "APP_NAME" => "Bdaily" "CAMPAIGN_MONITOR_API_KEY" => "******" "GOOGLE_SERVICE_ACCOUNT_NAME" => "bdaily@bdaily-437407.iam.gserviceaccount.com" "MAIL_DRIVER" => "mailgun" "PHP_CFLAGS" => "-fstack-protector-strong -fpic -fpie -O2 -D_LARGEFILE_SOURCE -D_FILE_OFFSET_BITS=64" "GOOGLE_REPORTING_API_KEY" => "******" "PHP_VERSION" => "7.4.33" "SESSION_DRIVER" => "redis" "APP_API_CLIENT" => "" "DB_USERNAME" => "bdaily" "BEANSTALKD_HOST" => "beanstalkd" "S3_BUCKET" => "bdaily" "GPG_KEYS" => "42670A7FE4D0441C8E4632349E4FDC074A4EF02D 5A52880781F755608BF815FC910DEB46F53EA312" "CACHE_DURATION" => "1" "PHP_CPPFLAGS" => "-fstack-protector-strong -fpic -fpie -O2 -D_LARGEFILE_SOURCE -D_FILE_OFFSET_BITS=64" "PHP_ASC_URL" => "https://www.php.net/distributions/php-7.4.33.tar.xz.asc" "COMMUNICATOR_PASSWORD" => "******" "PIWIK_URL" => "https://piwik.groundsix.com/" "QUEUE_DRIVER" => "beanstalkd" "STRIPE_PUBLIC_KEY" => "******" "CACHE_DRIVER" => "redis" "PHP_URL" => "https://www.php.net/distributions/php-7.4.33.tar.xz" "MAIL_ENCRYPTION" => "tls" "STRIPE_DEFAULT_TAX_RATE" => "txr_1KQSsXHpcBs23Pp4T3PCWasS" "FLICKR_KEY" => "******" "GOOGLE_CLIENT_ID" => "245337060443-j2uo82p1e0di5v28tdvaviqnjht6mpnj.apps.googleusercontent.com" "GOOGLE_CLIENT_SECRET" => "******" "S3_REGION" => "eu-west-1" "PATH" => "/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin" "APP_API_SECRET" => "******" "S3_SECRET" => "******" "MAIL_PASSWORD" => "******" "GOOGLE_EMBED_MAPS_KEY" => "******" "STRIPE_PRODUCT_ID" => "prod_KuN6w7t9xcOVFb" "STRIPE_YEARLY_PRICE_ID" => "price_1KQSuGHpcBs23Pp4oy1gFKIj" "STRIPE_SECRET_KEY" => "******" "MAIL_HOST" => "smtp.eu.mailgun.org" "APP_BDAILY_ORG_IDS" => "f1e9e763-4610-4839-8d9f-6d41dc6053c9" "BUGSNAG_NOTIFY_RELEASE_STAGES" => "local,staging,production,development" "NEVERBOUNCE_SECRET_KEY" => "******" "GOOGLE_SERVICE_ACCOUNT_AUTH" => "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ewogICJ0eXBlIjogInNlcnZpY2VfYWNjb3VudCIsCiAgInByb2plY3RfaWQiOiAiYmRhaWx5LTQzNzQwNyIsCiAgInByaXZhdGVfa2V5X2lkIjogIjgwOGJjMGE3YTg2MGZmN2YzNGI0YmYxOWMyZmVhMDBmZDYz" "APP_TLD" => ".co.uk" "APP_LOG_LEVEL" => "debug" "MAILGUN_DOMAIN" => "bdaily.co.uk" "REDIS_PASSWORD" => "******" "CAMPAIGN_MONITOR_CLIENT_ID" => "1337553bde0d556d315ea8591b37b85c" "STRIPE_MONTHLY_PRICE_ID" => "price_1KQSuGHpcBs23Pp4ZMLbOkaP" "BUGSNAG_API_KEY" => "******" "MAIL_PORT" => "587" "DB_PASSWORD" => "******" "APP_ENV" => "development" "REDIS_HOST" => "redis" "APP_KEY" => "******" "GOOGLE_REPORTING_PROPERTY" => "379401283" "PHPIZE_DEPS" => "autoconf \t\tdpkg-dev \t\tfile \t\tg++ \t\tgcc \t\tlibc-dev \t\tmake \t\tpkg-config \t\tre2c" "PWD" => "/var/www/html" "PHP_SHA256" => "924846abf93bc613815c55dd3f5809377813ac62a9ec4eb3778675b82a27b927" "S3_KEY" => "******" "DB_HOST" => "db" "COMMUNICATOR_USERNAME" => "" "USER" => "www-data" "HTTP_X_VARNISH" => "11370899" "HTTP_ACCEPT_ENCODING" => "gzip" "HTTP_HOST" => "backend_web" "HTTP_VIA" => "1.1 6dbe004b94f9 (Varnish/7.5)" "HTTP_X_FORWARDED_FOR" => "216.73.216.34, 172.18.0.4" "HTTP_X_REAL_IP" => "216.73.216.34" "HTTP_X_FORWARDED_SERVER" => "8e95d08d5201" "HTTP_X_FORWARDED_PROTO" => "https" "HTTP_X_FORWARDED_PORT" => "443" "HTTP_X_FORWARDED_HOST" => "bdailytest.cargodev.co.uk" "HTTP_UPGRADE_INSECURE_REQUESTS" => "1" "HTTP_SEC_FETCH_USER" => "?1" "HTTP_SEC_FETCH_SITE" => "none" "HTTP_SEC_FETCH_MODE" => "navigate" "HTTP_SEC_FETCH_DEST" => "document" "HTTP_SEC_CH_UA_PLATFORM" => ""Windows"" "HTTP_SEC_CH_UA_MOBILE" => "?0" "HTTP_SEC_CH_UA" => ""Chromium";v="130", "HeadlessChrome";v="130", "Not?A_Brand";v="99"" "HTTP_PRIORITY" => "u=0, i" "HTTP_PRAGMA" => "no-cache" "HTTP_ACCEPT" => "text/html,application/xhtml+xml,application/xml;q=0.9,image/avif,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3;q=0.7" "HTTP_USER_AGENT" => "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" "PATH_INFO" => "" "SCRIPT_FILENAME" => "/var/www/html/public/index.php" "REDIRECT_STATUS" => "200" "SERVER_NAME" => "bdaily.co.uk" "SERVER_PORT" => "8080" "SERVER_ADDR" => "172.18.0.7" "REMOTE_PORT" => "56602" "REMOTE_ADDR" => "172.18.0.5" "SERVER_SOFTWARE" => "nginx/1.27.0" "GATEWAY_INTERFACE" => "CGI/1.1" "REQUEST_SCHEME" => "http" "SERVER_PROTOCOL" => "HTTP/1.1" "DOCUMENT_ROOT" => "/var/www/html/public" "DOCUMENT_URI" => "/index.php" "REQUEST_URI" => "/articles/2015/01/22/top-10-tips-for-claiming-for-a-mis-sold-tailored-business-loan" "SCRIPT_NAME" => "/index.php" "CONTENT_LENGTH" => "" "CONTENT_TYPE" => "" "REQUEST_METHOD" => "GET" "QUERY_STRING" => "" "FCGI_ROLE" => "RESPONDER" "PHP_SELF" => "/index.php" "REQUEST_TIME_FLOAT" => 1756456971.1316 "REQUEST_TIME" => 1756456971 "argv" => [] "argc" => 0 ]
        request_cookies
        []
        
        response_headers
        0 of 0
        array:6 [ "cache-control" => array:1 [ 0 => "max-age=30, public" ] "date" => array:1 [ 0 => "Fri, 29 Aug 2025 08:42:51 GMT" ] "content-type" => array:1 [ 0 => "text/html; charset=UTF-8" ] "x-cacheable" => array:1 [ 0 => "Yes" ] "set-cookie" => array:2 [ 0 => "XSRF-TOKEN=eyJpdiI6IkZVbWxwWFJLbjE2RG1Zb3lUNnZZcXc9PSIsInZhbHVlIjoiWisxaUx1dEc3cFpMNVJGS2J1ZDYwdEVZb3RMM1JEb0pZcHd1SFJTakZUVzlNaXFLTDVpU3dnVDllMGVPVENRTyIsIm1hYyI6ImQ4NTcwMGU1MTQ5YzFhOWZmNzc3MzQ4MDMzNzQ3ODhkM2UxYzBmNzdjZWRlMThiNTBiOWIxMjUyN2EyNTA2NTkifQ%3D%3D; expires=Mon, 27-Aug-2035 08:42:51 GMT; Max-Age=315360000; path=/; secureXSRF-TOKEN=eyJpdiI6IkZVbWxwWFJLbjE2RG1Zb3lUNnZZcXc9PSIsInZhbHVlIjoiWisxaUx1dEc3cFpMNVJGS2J1ZDYwdEVZb3RMM1JEb0pZcHd1SFJTakZUVzlNaXFLTDVpU3dnVDllMGVPVENRTyIsIm1hY" 1 => "bdaily_session=eyJpdiI6IjBORnZhblExV3ZhWnJqdnk2aFBtSlE9PSIsInZhbHVlIjoidkRWT1FKZTREUisrRFVzNU5FQWRhRnRCekFTeXZ4VkJYMGJYU2hkUldNcEpVS1ZQS2dkcUc5WmhkTDMwWUNWMCIsIm1hYyI6IjcwN2Y5Njk1M2IwY2RhZjkxMTk5MTUwMjlkNzQyNjU5MWYzZWQxYmQ4NDgwYmY5ODc4OWM1ZTkzMmY2MzNhNjcifQ%3D%3D; expires=Mon, 27-Aug-2035 08:42:51 GMT; Max-Age=315360000; path=/; secure; httponlybdaily_session=eyJpdiI6IjBORnZhblExV3ZhWnJqdnk2aFBtSlE9PSIsInZhbHVlIjoidkRWT1FKZTREUisrRFVzNU5FQWRhRnRCekFTeXZ4VkJYMGJYU2hkUldNcEpVS1ZQS2dkcUc5WmhkTDMwWUNWMCIsI" ] "Set-Cookie" => array:2 [ 0 => "XSRF-TOKEN=eyJpdiI6IkZVbWxwWFJLbjE2RG1Zb3lUNnZZcXc9PSIsInZhbHVlIjoiWisxaUx1dEc3cFpMNVJGS2J1ZDYwdEVZb3RMM1JEb0pZcHd1SFJTakZUVzlNaXFLTDVpU3dnVDllMGVPVENRTyIsIm1hYyI6ImQ4NTcwMGU1MTQ5YzFhOWZmNzc3MzQ4MDMzNzQ3ODhkM2UxYzBmNzdjZWRlMThiNTBiOWIxMjUyN2EyNTA2NTkifQ%3D%3D; expires=Mon, 27-Aug-2035 08:42:51 GMT; path=/; secureXSRF-TOKEN=eyJpdiI6IkZVbWxwWFJLbjE2RG1Zb3lUNnZZcXc9PSIsInZhbHVlIjoiWisxaUx1dEc3cFpMNVJGS2J1ZDYwdEVZb3RMM1JEb0pZcHd1SFJTakZUVzlNaXFLTDVpU3dnVDllMGVPVENRTyIsIm1hY" 1 => "bdaily_session=eyJpdiI6IjBORnZhblExV3ZhWnJqdnk2aFBtSlE9PSIsInZhbHVlIjoidkRWT1FKZTREUisrRFVzNU5FQWRhRnRCekFTeXZ4VkJYMGJYU2hkUldNcEpVS1ZQS2dkcUc5WmhkTDMwWUNWMCIsIm1hYyI6IjcwN2Y5Njk1M2IwY2RhZjkxMTk5MTUwMjlkNzQyNjU5MWYzZWQxYmQ4NDgwYmY5ODc4OWM1ZTkzMmY2MzNhNjcifQ%3D%3D; expires=Mon, 27-Aug-2035 08:42:51 GMT; path=/; secure; httponlybdaily_session=eyJpdiI6IjBORnZhblExV3ZhWnJqdnk2aFBtSlE9PSIsInZhbHVlIjoidkRWT1FKZTREUisrRFVzNU5FQWRhRnRCekFTeXZ4VkJYMGJYU2hkUldNcEpVS1ZQS2dkcUc5WmhkTDMwWUNWMCIsI" ] ]
        session_attributes
        0 of 0
        array:4 [ "_token" => "0djF0uwe47lpC4o0KSx0tCxlEYtBb1OGgbiA7gdY" "_previous" => array:1 [ "url" => "https://bdailytest.cargodev.co.uk/articles/2015/01/22/top-10-tips-for-claiming-for-a-mis-sold-tailored-business-loan" ] "_flash" => array:2 [ "old" => [] "new" => [] ] "PHPDEBUGBAR_STACK_DATA" => [] ]