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This research examines the effect of growing financial pressures on families who use Family Action’s services across England, giving a voice to families who are often on low incomes and rarely heard in the corridors of power. To provide the Government with evidence of the challenges price inflation and breadline or squeezed incomes are posing, and the effect these are having on family life. (Family Action, 2012)
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This study, which has been funded by the Friends Provident Foundation, draws on the work of Loughborough University's Centre for Research in Social Policy which has developed a Minimum Income Standard for different household types based on baskets of goods and services which people think are essential for life in Britain today. Our research focused on the additional costs of purchasing many of these essential items such as basic furniture, white goods, and Christmas presents on credit. It then calculated the amount of other necessities (for example, food and fuel costs) that would have to be foregone by people on low incomes if they were to maintain their credit repayments in four scenarios - borrowing from mainstream, sub-prime, high cost, and very high cost lenders. (Centre for Responsible Credit, 2011)
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This report uses a multiplicity of approaches and sources to build up as detailed a picture as possible of how and why poverty varies across ethnic groups. (Department for Work and Pensions, 2009)
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The Personal Finance Research Centre at the University of Bristol has undertaken a review of evaluations of financial capability strategies on behalf of the Financial Services Authority.
The review was designed to meet two objectives:
1) To describe the extent to which the empirical literature identifies any incremental impact of financial capability interventions on people’s behaviour and attitudes:
• paying particular attention to the evidence about the effectiveness of different delivery methods of financial education and the impact on key target groups; and
• highlighting which aspect(s) of financial capability are being delivered by the various schemes wherever possible.
2) To create a set of plausible estimates of the proportion of people likely to respond to types of financial capability initiatives by making changes in their behaviour, and the extent of any changes they make to their personal finances. (FSA, 2008)
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The Money Advice Trust commissioned this short exploratory research project to provide a snapshot of the views and experiences of people on low and middle incomes in the face of a 21st-century recession. In particular, it set out to examine in detail the extent to which worsening economic conditions in 2008/2009 had resulted in changes
to consumers? spending, borrowing and money management. (Money Advice Trust, 2009)
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The research was part of an effort to check the ‘basket’ of goods and services used to measure deprivation, to ensure that it reflects contemporary views of necessities. By anchoring measures of poverty in the views of parents and other members of the public about what are necessities for families today, this process helps to add credibility to these measures. Without such public validation, the
measures can seem arbitrary, based on statistical comparisons of incomes with the median. (Department for Work and Pensions, 2010)
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This intended to find out more about what life is like for older people living on a low income, as well as to explore their views on current pensions and benefits and the impact of recent changes. (Age Concern, 2006)
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Concerns have been raised in the US and the UK over the level of consumer detriment caused by payday lending, which has led to interest rate caps in a number of US states, effectively banning the practice.
A central aim of our analysis is to understand who takes out payday loans in the UK. Are UK practices the same as those in the US, for example? It is also important to understand how payday loans fit into the market place alongside
other forms of short-term borrowings such as overdrafts and credit cards.
(Consumer Focus, 2010)
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The aim of the research was to provide findings which could inform the FSA what scope there is to expand the role of information and advice on financial issues within the Bureaux, and how the FSA and Bureaux could work together more closely.
The FSA also wanted to gather views about a new tool which they are going to launch, called the Financial Health Check. (FSA, 2004)
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County-Durham based Prince Bishops Community Bank in partnership with Derwentside Homes has launched ‘The Store’, to steer tenants away from using loan sharks, high cost credit and high cost weekly payment stores to pay for furniture.
