Credit use and over-indebtedness
Consumer credit is part of our everyday lives, with access to credit helping to smooth ebbs and flows of income and expenditure. A person is considered over-indebted when their income is insufficient to meet financial commitments and essentials over an extended period. Over-indebtedness can affect people of all income levels.
2020
Analysis of the ‘Credit Counts’ National Strategy Measure: Adult Financial Capability Survey 2018
Andrea Finney
Why adults regularly use credit for food and bills: a review
Andrea Finney
Pawnbroking customers in 2020
Sara Davies and Andrea Finney
2019
Borrowing behaviour
Sara Davies, Andrea Finney, Sharon Collard and Lorna Trend
2018
Women and high cost credit: A gender analysis of the home credit industry in the UK [External Link]
Elizabeth Bermeo and Sharon Collard
Self-negotiators - the experiences of people in debt who negotiate with their creditors
Sharon Collard and Sara Davies
Supporting small businesses with energy debt
Sharon Collard and Sara Davies
Debt solutions in the UK - Recommendations for change
Sharon Collard, Colin Kinloch and Sarah Little
2017
Customer perspectives on mortgage arrears and advice seeking in Northern Ireland
Sara Davies, Jamie Evans, Andrea Finney and Yvette Hartfree
Women and high cost credit: a gender analysis of the home credit industry in the UK
Elizabeth Bermeo
2016
Housing association innovation in delivering affordable credit
Yvette Hartfree, Danny Friedman, James Ronicle, Sharon Collard and Kate Smith
'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
2015
Locating credit and debt within an anti-poverty strategy for the UK
Yvette Hartfree and Sharon Collard
Descent into Financial Difficulty and the Role of Consumer Credit. In: Consumer Vulnerability: Conditions, contexts and characteristics [External Link]
Andrea Finney
Over-indebtedness and its causes across European countries. In: Consumer debt and social exclusion in Europe [External Link]
Elaine Kempson
2014
The Over-indebtedness of European Households
Civic Consulting and the Personal Finance Research Centre
Joseph Rowntree Foundation: Producing an Anti-Poverty Strategy for the UK - Evidence Reviews
Yvette Hartfree and Sharon Collard
Beverley A Searle and Stephan Köppe
2013
Working together: understanding motivations and barriers to engagement in the consumer debt marketplace
Sharon Collard
Review of Insolvency Practitioner fees
Elaine Kempson
A complement to the APR - the CardCosts consumer webtool
Personal Finance Research Centre
The Genworth Index of consumer financial vulnerability
Andrea Finney and David Hayes
The impact on business and consumers of a cap on the total cost of credit
Personal Finance Research Centre
2012
Working households’ experiences of debt problems
Sharon Collard, Andrea Finney and Sara Davies
2011
Understanding financial difficulty: exploring the opportunities for early intervention
Sharon Collard
Facing the squeeze 2011 - A qualitative study of household finances and access to credit
Andrea Finney and Sara Davies
Affordable credit - lessons from overseas
Chris Deeming, Sharon Collard and David Hayes
2010
Pawnbroking customers in 2010: a survey
Sharon Collard and David Hayes
2009
Wealth in Great Britain - main results from the Wealth and Assets Survey 2006-08
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
Is a not-for-profit home credit business feasible?
Elaine Kempson, Anna Ellison, Claire Whyley and Paul A Jones
2008
A common operational European definition of over-indebtedness
European Commission
Debt and older people: how age affects attitudes to borrowing
Stephen McKay, Elaine Kempson, Adele Atkinson and Mark Crame
Looking beyond our shores: consumer protection regulation lessons from the UK
Elaine Kempson
2007
Easy come, easy go: borrowing over the life cycle
Andrea Finney, Sharon Collard and Elaine Kempson
Illegal lending in the UK
Sharon Collard, Anna Ellison and Rob Forster
2005
Debt: envy, penury or necessity? In: Seven deadly sins: A new look at society through an old lens
Stephen McKay
2004
Characteristics of households in debt and the nature of indebtedness
Elaine Kempson, Stephen McKay and Maxine Willitts
2003
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
Pay day advances: the companies and their customers
Nicola Dominy and Elaine Kempson
Pawnbrokers and their customers
Sharon Collard and Elaine Kempson
2002
Over-indebtedness in Britain
Elaine Kempson
1999
Extortionate credit in the UK
Elaine Kempson and Claire Whyley
1996
Student finances: income, expenditure and take-up of student loans
Claire Callender and Elaine Kempson
Credit use and ethnic minorities
Alicia Herbert and Elaine Kempson
1995
Water debt and disconnection
Alicia Herbert and Elaine Kempson
1994
Paying with plastic: a study of credit card debt
Karen Rowlingson and Elaine Kempson
1993
Gas debt and disconnections
Karen Rowlingson and Elaine Kempson
1992
Credit and debt: the PSI report
Richard Berthoud and Elaine Kempson
