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“We have class, father. Universal risk analyser loses a user of fruit” (12)

Us (we) + U (class) + fr (father) + U (universal) + actuary (risk analyser) – a (loses)

I must say, Les, this is a bit of a challenge this week

The artful lodger, to come to fruit without note in Shylock's trade!
Expl.: artful lodger > usufructuary
come to fruit > fructuate
note > te (=ti in music)
Shylock's trade: usury

I might add, of couurse, in my explanation, that "artful lodger" is an old adaptation of "Artful Dodger" in "Oliver Twist", to honour Dickens' jubilee yesterday (for those who didn't realize already)!

...by the way,also involved in Cockney rhyming slang:seems to be the name nowadays of numerous B & B agencies! (just to go on a bit, with the task being so difficult...)

“Universal furs trader meets classy risk assessor and loses a sponger” (12)

U (universal) + SUFR (anagram = trader of furs) + U (classy ) + ACTUARY ( risk assessor) – A (loses a) SPONGER = definition

I never thought I would get to use the word actuary in a crossword clue. I was surprised at how often they crop up in fiction. Classy actuary is also fictional. I’ve never met one.

http://en.wikipedia.org/wiki/Fictional_actuaries

Without need faced untrue usury muddle to become freeloader (12)

More elegantly

Needlessly faced untrue usury muddle to become freeloader (12)

Right, Yusuf Tucura may be messed up, but he has rights you know! (12)

He gets use and juice if he's douce but nae houghmagandie according to the law in Longformacus

Poosie Nancies got life-rent in Ae and she's this but I canna spell it, canna speak it and canna write it - so heres a gude-willie-waucht tae ye and yer sonsie face.