Credit use and over-indebtedness

Women and high cost credit: a gender analysis of the home credit industry in the UK
Elizabeth Bermeo (2017) University of Bristol


Housing association innovation in delivering affordable credit
Yvette Hartfree, Danny Friedman, James Ronicle, Sharon Collard and Kate Smith (2016) Joseph Rowntree Foundation


'What explains the low impact of the financial crisis on levels of arrears among UK households?'. In: Comparative Perspectives of Consumer Over-Indebtedness: A View from the UK, Germany, Greece, and Italy [External Link]
Elaine Kempson (2016) Eleven International Publishing


Locating credit and debt within an anti-poverty strategy for the UK
Yvette Hartfree and Sharon Collard (2015) Policy Press


Descent into Financial Difficulty and the Role of Consumer Credit. In: Consumer Vulnerability: Conditions, contexts and characteristics [External Link]
Andrea Finney (2015) Routledge


Over-indebtedness and its causes across European countries. In: Consumer debt and social exclusion in Europe [External Link]
Elaine Kempson (2015) Ashgate


The Over-indebtedness of European Households 
Civic Consulting and the Personal Finance Research Centre (2014) European Commission


Joseph Rowntree Foundation: Producing an Anti-Poverty Strategy for the UK - Evidence Reviews
Yvette Hartfree and Sharon Collard (2014) Joseph Rowntree Foundation
Beverley A Searle and Stephan Köppe (2014) Joseph Rowntree Foundation


Working together: understanding motivations and barriers to engagement in the consumer debt marketplace
Sharon Collard (2013) Arrow Global Limited


Review of Insolvency Practitioner fees
Elaine Kempson (2013) The Insolvency Service


A complement to the APR - the CardCosts consumer webtool
Personal Finance Research Centre (2013) The UK Cards Association


The Genworth Index of consumer financial vulnerability
Andrea Finney and David Hayes (2013) Genworth Financial


The impact on business and consumers of a cap on the total cost of credit
Personal Finance Research Centre (2013) Department for Business, Innovation and Skills


Working households’ experiences of debt problems
Sharon Collard, Andrea Finney and Sara Davies (2012) StepChange Debt Charity


Understanding financial difficulty: exploring the opportunities for early intervention
Sharon Collard (2011) Barclays


Facing the squeeze 2011 - A qualitative study of household finances and access to credit
Andrea Finney and Sara Davies (2011)


Affordable credit - lessons from overseas
Chris Deeming, Sharon Collard and David Hayes (2011)


Pawnbroking customers in 2010: a survey
Sharon Collard and David Hayes (2010) National Pawnbrokers Association


Wealth in Great Britain - main results from the Wealth and Assets Survey 2006-08
(2009) Office for National Statistics


The role of personal relationships in borrowing, saving and over-indebtedness: a life course perspective. In: Sharing lives, dividing assets: an inter-disciplinary study
Andrea Finney (2009) Hart Publishing


Facing the squeeze: a qualitative study of household finances and access to credit in a 21st century recession
Sharon Collard, Andrea Finney and Kate Crosswaite (2009) Money Advice Trust


Is a not-for-profit home credit business feasible?
Elaine Kempson, Anna Ellison, Claire Whyley and Paul A Jones (2009) Joseph Rowntree Foundation


A common operational European definition of over-indebtedness
European Commission (2008)


Debt and older people: how age affects attitudes to borrowing
Stephen McKay, Elaine Kempson, Adele Atkinson and Mark Crame (2008) Help The Aged


Looking beyond our shores: consumer protection regulation lessons from the UK
Elaine Kempson (2008) JCHS, Harvard University


Easy come, easy go: borrowing over the life cycle
Andrea Finney, Sharon Collard and Elaine Kempson (2007) Standard Life


Illegal lending in the UK
Sharon Collard, Anna Ellison and Rob Forster (2006 and 2007) Department of Trade and Industry


Debt: envy, penury or necessity? In: Seven deadly sins: A new look at society through an old lens
Stephen McKay (2005) Economic & Social Research Council


Characteristics of households in debt and the nature of indebtedness
Elaine Kempson, Stephen McKay and Maxine Willitts (2004) Corporate Document Services


Can't pay or won't pay? A review of creditor and debtor approaches to the non-payment of bills
Nicola Dominy and Elaine Kempson (2003) Department for Constitutional Affairs


Pay day advances: the companies and their customers
Nicola Dominy and Elaine Kempson (2003) British Cheque Cashers Association


Pawnbrokers and their customers
Sharon Collard and Elaine Kempson (2003) National Pawnbrokers Association


Over-indebtedness in Britain
Elaine Kempson (2002) Department of Trade and Industry


Extortionate credit in the UK
Elaine Kempson and Claire Whyley (1999) Department of Trade and Industry


Student finances: income, expenditure and take-up of student loans
Claire Callender and Elaine Kempson (1996) Policy Studies Institute


Credit use and ethnic minorities
Alicia Herbert and Elaine Kempson (1996) Policy Studies Institute


Water debt and disconnection
Alicia Herbert and Elaine Kempson (1995) Policy Studies Institute


Gas debt and disconnections
Karen Rowlingson and Elaine Kempson (1993) Policy Studies Institute


Paying with plastic: a study of credit card debt
Karen Rowlingson and Elaine Kempson (1994) Policy Studies Institute


Credit and debt: the PSI report
Richard Berthoud and Elaine Kempson (1992) Policy Studies Institute


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