Debt Statistics€¦ · Debt Advice Foundation - Debt Helpline Statistics (May 2016) Debt Advice...

May 2016

Debt Statistics A consumer focus

3. Message from the Chair

4. About Debt Advice Foundation

5. At-a-glance

6. Overview

7. Age group

8. Gender

9. Region

10. Residential status

11. Employment status

12. Household demographics

13. Helpline outcomes

14. Appendix (data tables)

Debt Advice Foundation - Debt Helpline Statistics (May 2016)

© Debt Advice Foundation 2016

Contents

Dennis Benson OBEChair

Welcome to Debt Advice Foundation's May 2016 helpline statistics update.

With the amount of personal borrowing approaching the record levels seen

prior to the 2008 global economic recession, it's important that the debt

advice sector does everything it can to prepare itself for the inevitable surge

in demand for debt advice. One way we can do this is through research.

Research not only helps the charity understand and adapt to the ever

changing credit landscape and how service-users are impacted by those

changes but it also shapes and informs Government and regulatory policy

more broadly, both in the debt advice and related sectors.

Understanding how and why people call the charity's helpline, how they use

the information they are given and how effective that information is, allows

us to develop and improve our service for the benefit of future service-users.

The more research we have access to, the more likely we are to spot

emerging trends that may, for example, influence the way borrowers use

credit in the future and how we, both as a charity and as a sector more

broadly, might react to those changes. That is why we have developed this

monthly statistical resource.

Please feel free to get in touch if you have any questions or comments

regarding the charity's statistical releases.



Message from the Chair



Debt Advice Foundation is a registered national debt advice and education charity in England and Wales (no. 1148498).

At the heart of the charity’s philosophy is the prevention and cure of unmanageable consumer debt.

Whilst our primary focus is on helping those that are in need of advice and support today, we strongly believe that improving

financial literacy amongst the next generation of credit users is key to tackling increasing levels of unmanageable consumer

debt in the UK.

The charity seeks to carry out these objectives through its free telephone debt counselling service, which helps over 10,000

people every year, and through DebtAware, the charity's award winning debt education programme for schoolchildren.

The charity holds the Advice Service Alliance’s Advice Quality Standard (AQS) and is listed by Money Advice Service as an

accredited, free provider of debt advice on its online debt advice locator page (the Money Advice Service is an independent

service set up by government to help people manage their money).

The charity is a member of AdviceUK, the UK’s largest support network for free, independent advice centres and all of the

charity's advisers are members of the Institute of Money Advisers (IMA), a charitable body that aims to promote free money

advice and develop professional standards.

The charity is also a registered supporter of the All-Party Parliamentary Group on Financial Education for Young People and

the All-Party Parliamentary Group on Debt and Personal Finance.

Debt Advice Foundation is authorised and regulated by the Financial Conduct Authority (no. 692492).

About Debt Advice Foundation

1. Overview

This section provides an overview of callers to the charity's helpline in May

2016. The dataset comprises completed advice cases only (this means cases

where a full financial assessment has taken place and a debt solution has

been recommended).



£2

1,2

35

£17

,059

£17

,74

6

£16

,99

0

£17

,18

3

£14

,04

8

£19

,612

£16

,14

8

£17

,317

£16

,375

£15

,04

8

£16

,08

0

6.22 6.37

6.12

6.80

6.07 6.20

6.75

6.97

6.33 6.30

6.08

6.31

5.6

5.8

6.0

6.2

6.4

6.6

6.8

7.0

7.2

£0

£5,000

£10,000

£15,000

£20,000

£25,000

Jun

15

Jul 1

5

Au

g 1

5

Sep

15

Oct

15

No

v 15

Dec

15

Jan

16

Feb

16

Mar

16

Ap

r 16

May

16

Nu

mb

er o

f cr

edit

ors

Un

secu

red

deb

t

Unsecured debt overview

Average unsecured debt 1 Average number of unsecured creditors

£7,

414

£

6,0

39

£6

,62

0

£5,

536

£4

,86

0

£5,

412

£

6,4

99

£4

,84

3

£1,

399

£

1,32

5

£1,

08

0

£13

3

£1,

107

£8

38

£9

97

£9

10

£0 £5,000 £10,000 £15,000 £20,000

May 16

Apr 16

12 month average

May 15

Unsecured debt

Unsecured debt by type (May 2016) Credit card

Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt

Benefit overpayment Council tax debt

Crown tax debt

Trade debt

c1.1 c1.2

c1.3

The charity's helpline advisers dealt with a total of £2,669,345 of unsecured debt in May 2016

at an average of £16,080 per case (full financial assessments).

£1,

705

£1,

64

4

£1,

633

£1,

701

£1,

540

£1,

503

£1,

46

7

£1,

541

19.5% 20.4% 22.3%

18.1%

0%

5%

10%

15%

20%

25%

£1,300

£1,350

£1,400

£1,450

£1,500

£1,550

£1,600

£1,650

£1,700

£1,750

May

15

12

mo

nth

av

erag

e

Ap

r 16

May

16

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)

Client financial profile (May 2016)

Net monthly household income Monthly household expenditure 2 Impoverishment index 3

c1.4

2 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.

3 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.

21.

4%

19.5

%

19.5

% 23.

9%

7.1%

7.2

%

7.3%

3.4

% 7.

1%

3.6

%

1.2

%

2.3

%

0.0

%

8.4

%

4.9

% 8.0

%

0.0

% 3.

6%

3.7%

2.3

%

28

.6%

13.9

%

13.4

%

3.4

%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

May

15

12

mo

nth

av

erag

e

Ap

r 16

May

16

Specified cause of financial impairment (May 2016)

Loss of job

Reduced working hours

Pregnancy

Illness

Divorce

Separation

1.5

129

121

107

106

82%

87%

77%

79%

70%

72%

74%

76%

78%

80%

82%

84%

86%

88%

0

20

40

60

80

100

120

140

May

15

12

mo

nth

av

erag

e

Ap

r 16

May

16

Un

secu

red

deb

t-in

com

e ra

tio

Rep

aym

ent

term

(mo

nth

s)

Debt servicing (May 2016)

Average repayment term (months) 4 Unsecured debt to annual income ratio 5

1.6

4 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.

5 Total amount of unsecured debt as a percentage of total annual net income.

1 Includes unsecured credit facilities such as credit cards, unsecured loans, short term (payday) loans, overdrafts, store cards and catalogue debts. Secured debts, such as mortgages, and priority arrears (for example rent and council tax debts) are not included.

34.3

%

15.7

%

14.5

%

9.0

%

6.6

%

4.2

%

3.6

%

1.8

%

2.4

%

2.4

%

0.6

%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

40.0%

£0

- £

500

0

£50

00

-

£10

00

0

£10

00

0 -

£15

00

0

£15

00

0 -

£

20

00

0

£2

00

00

-

£2

500

0

£2

500

0 -

£

300

00

£30

00

0 -

£

350

00

£35

00

0 -

£

40

00

0

£4

00

00

- £

450

00

£4

500

0 -

£

500

00

£50

00

0 -

£

550

00

Pe

rce

nta

ge

of

case

s

Total unsecured debt band

Unsecured debt profile (May 2016)


This section provides an overview of callers to the helpline in May 2016,

broken down by age group.

2. Age group


£6

,36

4

£11

,88

8

£15

,511

£2

1,8

11

£18

,48

6

£30

,410

£0

£5,000

£10,000

£15,000

£20,000

£25,000

£30,000

£35,000

18-2

4

25-

34

35-4

4

45-

54

55-6

4

65+

Un

secu

red

deb

t

Average unsecured debt (May 2016)

£1,

42

9 £

4,0

05

£7,

360

£11

,22

6 £

9,6

23 £

17,0

20

£3,

100

£4

,68

8

£3,

129

£5,

853

£6

,54

0 £

8,0

69

£0 £10,000 £20,000 £30,000 £40,000

18-24

25-34

35-44

45-54

55-64

65+

Unsecured debt


Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt


11%

30%

20

%

24

%

10%

5.4

%

0.99

1.73

1.23 1.35

0.72

0.23

0.0 0.2 0.4 0.6 0.8 1.0 1.2 1.4 1.6 1.8 2.0

0%

5%

10%

15%

20%

25%

30%

35%

18-2

4

25-

34

35-4

4

45-

54

55-6

4

65+

Po

pu

lati

on

wei

gh

tin

g in

dex

1

Per

cen

tag

e o

f ca

ses

Case weighting (May 2016)

Case weighting (May 2016) Regional contact population weighting index 1

c2.1 c2.2

c2.3

The age group with the highest average unsecured debt in May

2016 was the 65+ age group (£30,410).The age group with the highest helpline engagement was

the 25-34 age group, which was 73% more likely to call the helpline

than the UK average.

£1,

06

0

£1,

734

£1,

90

9

£1,

932

£1,

552

£1,

304

£8

21

£1,

569

£1,

80

1

£1,

788

£1,

377

£1,

09

0 5.6%

16.3%

21.2% 22.5%

29.4%

0.0%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

£0

£500

£1,000

£1,500

£2,000

£2,500

18-2

4

25-

34

35-4

4

45-

54

55-6

4

65+

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)



c2.4



33%

4%

37%

32%

25%

29

%

4%

5%

13%

4%

5% 8

%

5%

5%

25%

14%

9%

17%

4%

13%

0%

5%

10%

15%

20%

25%

30%

35%

40%

18-2

4

25-

34

35-4

4

45-

54

55-6

4

65+


Loss of job


Pregnancy

Illness

Divorce

Separation

c2.5

27

72

143

152

105

142

50% 57% 68%

94% 99%

194%

0%

50%

100%

150%

200%

250%

0

20

40

60

80

100

120

140

160

18-2

4

25-

34

35-4

4

45-

54

55-6

4

65+

Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c2.6

1 The population weighting index is calculated by dividing the number of helpline contacts by the latest ONS population estimate for each age -group and comparing it to the UK average. This statistic provides a more useful relative measure of age -group helpline engagement by removing age-group population bias.





broken down by gender.

3. Gender


£16

,48

4

£15

,40

7

£14,800

£15,000

£15,200

£15,400

£15,600

£15,800

£16,000

£16,200

£16,400

£16,600

Mal

e

Fem

ale

Un

secu

red

deb

t


£7,

96

1 £

6,6

66

£5,

151

£4

,80

4

£0 £5,000 £10,000 £15,000 £20,000

Male

Female

Average debt


Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt


Crown tax debt

51%

49

%

49% 49% 49% 49% 49% 50% 50% 50% 50% 50% 51% 51%

Mal

e

Fem

ale

Per

cen

tag

e o

f ca

ses

(mai

n c

lien

t)

Case weighting (May 2016) c3.1 c3.2

c3.3

Males had the highest average amount of debt in

May 2016 (£16,484).The highest weighting of callers to the helpline in the period

was males (51%).

£1,

615

£1,

736

£1,

399

£1,

634

11.0%

25.0%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

£0

£500

£1,000

£1,500

£2,000

Mal

e

Fem

ale

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)



c3.4



28

%

19%

6%

5% 8

%

8%

2%

3%

4%

3%

0%

5%

10%

15%

20%

25%

30%

Mal

e

Fem

ale


Loss of job


Pregnancy

Illness

Divorce

Separation

c3.5

76

150

85%

74%

68%

70%

72%

74%

76%

78%

80%

82%

84%

86%

0

20

40

60

80

100

120

140

160

Mal

e

Fem

ale

Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c3.6



4. Region


broken down by region.



£18

,14

8

£14

,82

6

£12

,632

£16

,82

7

£14

,48

5

£7,

850

£19

,618

£17

,92

7

£2

0,3

93

£11

,52

2

£16

,02

9

£18

,72

5

£0

£5,000

£10,000

£15,000

£20,000

£25,000

Eas

t M

idla

nd

s

Eas

t o

f E

ng

lan

d

Lo

nd

on

No

rth

Eas

t

No

rth

Wes

t

No

rth

ern

Irel

and

Sco

tlan

d

So

uth

Eas

t

So

uth

Wes

t

Wal

es

Wes

t M

idla

nd

s

Yo

rksh

ire

and

th

e H

um

ber

Un

secu

red

deb

t


£0 £10,000 £20,000 £30,000

East Midlands

East of England

London

North East

North West

Northern Ireland

Scotland

South East

South West

Wales

West Midlands

Yorkshire and …

Unsecured debt


Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt

Benefit overpayment

Council tax debt

Crown tax debt

Trade debt

8%

5%

18%

3%

12%

1%

3%

18%

9%

2%

10%

8%

1.17

0.58

1.36

0.75

1.09

0.21 0.37

1.32

1.08

0.51

1.09 1.02

0.0

0.2

0.4

0.6

0.8

1.0

1.2

1.4

1.6

0% 2% 4% 6% 8%

10% 12% 14% 16% 18% 20%

Eas

t M

idla

nd

s

Eas

t o

f E

ng

lan

d

Lo

nd

on

No

rth

Eas

t

No

rth

Wes

t

No

rth

ern

Irel

and

Sco

tlan

d

So

uth

Eas

t

So

uth

Wes

t

Wal

es

Wes

t M

idla

nd

s

Yo

rksh

ire

and

th

e H

um

ber

Po

pu

lati

on

wei

gh

tin

g in

dex

1

Per

cen

tag

e o

f ca

ses

Case weighting (May 2016)

Case weighting (May 2016) Regional contact population weighting index 1

c4.1 c4.2

c4.3

The region with the highest average unsecured debt in May

2016 was South West (£20,393).The region with the highest helpline engagement was London which was 36%

more likely to call the helpline than the UK average.

£1,

975

£2

,26

9

£1,

505

£1,

188

£1,

49

7

£1,

175 £1,

98

7

£1,

82

9

£1,

787

£1,

582

£1,

49

5

£1,

88

5

£1,

756

£2

,053

£1,

393

£1,

076

£1,

326

£1,

02

3 £1,

86

3

£1,

749

£1,

578

£1,

500

£1,

273

£1,

62

3 14.3%

44.4%

20.0% 20.0%

10.0%

0.0%

20.0% 23.3%

6.7%

25.0%

18.8%

7.1%

0%

10%

20%

30%

40%

50%

£0

£500

£1,000

£1,500

£2,000

£2,500

Eas

t M

idla

nd

s

Eas

t o

f E

ng

lan

d

Lo

nd

on

No

rth

Eas

t

No

rth

Wes

t

No

rth

ern

Irel

and

Sco

tlan

d

So

uth

Eas

t

So

uth

Wes

t

Wal

es

Wes

t M

idla

nd

s

Yo

rksh

ire

and

th

e H

um

ber

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)


Net monthly household income Monthly household expenditure 2 Iimpoverishment index 3

c4.4



25%

25%

24

%

50%

33%

29

%

14%

25%

13%

5%

14%

5%

14%

5%

25%

17%

33%

25%

5%

17%

13%

50%

0%

10%

20%

30%

40%

50%

60%

Eas

t M

idla

nd

s

Eas

t o

f E

ng

lan

d

Lo

nd

on

No

rth

Eas

t

No

rth

Wes

t

No

rth

ern

Irel

and

Sco

tlan

d

So

uth

Eas

t

So

uth

Wes

t

Wal

es

Wes

t M

idla

nd

s

Yo

rksh

ire

and

…


Loss of job


Pregnancy

Illness

Divorce

Separation

c4.5

83

69

112

150

85

51

158

22

2

97

142

72

72

77%

54%

70%

118%

81%

56%

82% 82%

95%

61%

89% 83%

0%

20%

40%

60%

80%

100%

120%

140%

0

50

100

150

200

250

Eas

t M

idla

nd

s

Eas

t o

f E

ng

lan

d

Lo

nd

on

No

rth

Eas

t

No

rth

Wes

t

No

rth

ern

Irel

and

Sco

tlan

d

So

uth

Eas

t

So

uth

Wes

t

Wal

es

Wes

t M

idla

nd

s

Yo

rksh

ire

and

…

Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c4.6



1 The population weighting index is calculated by dividing the number of helpline contacts by the latest ONS population estimate for each region and comparing it to the UK average. This statistic provides a more useful relative measure of regional helpline engagement by removing regional population bias.


5. Residential status


broken down by residential status.


£9

,04

2

£32

,09

9

£4

,00

0

£12

,89

6

£0

£5,000

£10,000

£15,000

£20,000

£25,000

£30,000

£35,000

Living with Parents

Homeowner Unknown Tenant

Un

secu

red

deb

t


£2

,98

7

£17

,012

£0

£5,

534

£

4,3

47

£8

,62

4

£0

£3,

98

4

£0 £10,000 £20,000 £30,000 £40,000

Living with Parents

Homeowner

Unknown

Tenant

Unsecured debt

Unsecured debt by type (May 2016)

Credit card

Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt

Benefit overpayment

Council tax debt

Crown tax debt

Trade debt

9%

19%

1%

72%

0%

10%

20%

30%

40%

50%

60%

70%

80%

Living with Parents


Per

cen

tag

e o

f ca

ses


c5.3

£1,

06

8

£2

,39

2

£0

£1,

616

£6

93

£2

,077

£10

5

£1,

521

0.0% 9.7%

100.0%

21.8%

0.0%

20.0%

40.0%

60.0%

80.0%

100.0%

120.0%

£0

£500

£1,000

£1,500

£2,000

£2,500

£3,000

Living with Parents

Homeowner Unknown Tenant Im

po

veri

shm

ent

ind

ex

Mo

nth

ly a

mo

un

t (£

)



c5.4



33%

25%

23%

11%

6%

2%

6%

2%

6%

10%

3%

5%

0%

5%

10%

15%

20%

25%

30%

35%

Living with Parents



Loss of job


Pregnancy

Illness

Divorce

Separation

c5.5

24

102

Neg

DI,

can

't r

epay

135

50% 57%

68%

94%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

0

20

40

60

80

100

120

140

160

Living with Parents


Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c5.6



Homeowner was the group with the highest average

unsecured debt (£32,099) in May 2016. Tenant was the most likely group to call the

charity for advice (72%).


6. Employment status


broken down by employment status.


£18

,98

6

£12

,36

6

£18

,66

6

£11

,850

£8

,12

5

£11

,213

£2

8,9

46

£0

£5,000

£10,000

£15,000

£20,000

£25,000

£30,000

£35,000

Full-

tim

e em

plo

ymen

t

Par

t-ti

me

emp

loym

ent

Sel

f-em

plo

yed

Full-

tim

e ed

uca

tio

n

Un

emp

loye

d

(Oth

er)

Un

em

plo

yed

(J

SA

)

Ret

ired

Un

secu

red

deb

t


£0 £10,000 £20,000 £30,000 £40,000

Full-time employment

Part-time employment

Self-employed

Full-time education

Unemployed (Other)

Unemployed (JSA)

Retired

Unsecured debt

Unsecured debt by type (May 2016)

Credit card

Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt

Benefit overpayment

Council tax debt

Crown tax debt

Trade debt

45%

14%

12%

1%

17%

7%

5%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

Full-

tim

e em

plo

ymen

t

Par

t-ti

me

emp

loym

ent

Sel

f-em

plo

yed

Full-

tim

e ed

uca

tio

n

Un

emp

loye

d

(Oth

er)

Un

emp

loye

d

(JS

A)

Ret

ired

Per

cen

tag

e o

f ca

ses


c6.3

Retired was the group with the highest average

unsecured debt (£28,946) in May 2016. Full-time

employment was the most likely group to call us for

advice (45%).

£1,

958

£1,

777

£1,

815

£2

,133

£1,

348

£9

26

£1,

073

£1,

655

£1,

703

£1,

712

£1,

84

7

£1,

352

£1,

017

£9

22

5.4%

29.2% 30.0%

0.0%

28.6%

45.5%

0.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

£0

£500

£1,000

£1,500

£2,000

£2,500

Full-

tim

e em

plo

ymen

t

Par

t-ti

me

em

plo

ymen

t

Sel

f-em

plo

yed

Full-

tim

e ed

uca

tio

n

Un

emp

loye

d

(Oth

er)

Un

emp

loye

d

(JS

A)

Ret

ired

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)



c6.4



17%

20

%

18%

18%

86

%

33%

5%

17%

2%

10%

2%

20

%

9%

18%

17%

2%

14%

5%

9%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Fu

ll-ti

me

emp

loym

ent

Par

t-ti

me

emp

loym

ent

Sel

f-em

plo

yed

Fu

ll-ti

me

edu

cati

on

Un

emp

loye

d

(Oth

er)

Un

emp

loye

d

(JS

A)

Ret

ired


Loss of job


Pregnancy

Illness

Divorce

Separation

c6.5

63

167

182

41

Neg

DI,

can

't r

epay

Neg

DI,

can

't r

epay

191

50% 57% 68%

94% 99%

194%

0%

0%

50%

100%

150%

200%

250%

0

50

100

150

200

250

Fu

ll-ti

me

emp

loym

ent

Par

t-ti

me

emp

loym

ent

Sel

f-em

plo

yed

Full-

tim

e ed

uca

tio

n

Un

emp

loye

d

(Oth

er)

Un

emp

loye

d

(JS

A)

Ret

ired

Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c6.6



7. Household demographics


broken down by household demographics.



£11

,19

5

£11

,315

£12

,59

2

£0

£2

7,2

46

£2

3,9

19

£18

,48

0

£2

7,0

56

£0

£5,000

£10,000

£15,000

£20,000

£25,000

£30,000

1 ad

ult

& 0

d

epe

nd

ants

1 ad

ult

& 1

d

epe

nd

ant

1 ad

ult

& 2

d

epe

nd

ants

1 ad

ult

& 3

+

de

pe

nd

ants

2 a

du

lts

& 0

d

epe

nd

ants

2 a

du

lts

& 1

d

epen

dan

t

2 a

du

lts

& 2

d

epe

nd

ants

2 a

du

lts

& 3

+

de

pe

nd

ants

Un

secu

red

deb

t


£0 £5,000 £10,000 £15,000 £20,000 £25,000 £30,000

1 adult/0 dependants

1 adult/1 dependant

1 adult/2 dependants

1 adult/3+ dependants

2 adults/0 dependants

2 adults/1 dependant

2 adults/2 dependants

2 adults/3+ dependants

Unsecured debt


Unsecured loan

Other debts

Overdraft

Store card

Short term loan

Utility debt


40

%

17%

7%

0%

13%

10%

8%

5%

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

1 ad

ult

& 0

d

ep

en

dan

ts

1 ad

ult

& 1

d

epe

nd

ant

1 ad

ult

& 2

d

epe

nd

ants

1 ad

ult

& 3

+

dep

en

dan

ts

2 a

du

lts

& 0

d

ep

en

dan

ts

2 a

du

lts

& 1

d

epe

nd

ant

2 a

du

lts

& 2

d

epe

nd

ants

2 a

du

lts

& 3

+

dep

en

dan

ts

Per

cen

tag

e o

f ca

ses


c7.3

2 adults & 0 dependants was the group with the highest

average unsecured debt (£27,246) in May 2016. 1 adult & 0 dependants was the most

likely group to call us for advice (40%).

£1,

09

4

£1,

40

9

£1,

534

£0

£2

,32

5

£2

,317

£2

,812

£3,

06

6

£9

42

£1,

350

£1,

500

£0

£2

,04

2

£2

,151

£2

,52

7

£2

,84

1

19.7%

28.6%

16.7%

0.0%

14.3% 11.8%

0.0%

22.2%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

£0

£500

£1,000

£1,500

£2,000

£2,500

£3,000

£3,500

1 ad

ult

/0

dep

end

ants

1 ad

ult

/1

de

pe

nd

ant

1 ad

ult

/2

dep

end

ants

1 ad

ult

/3+

d

epen

dan

ts

2 a

du

lts/

0

dep

end

ants

2 a

du

lts/

1 d

ep

en

dan

t

2 a

du

lts/

2

dep

end

ants

2 a

du

lts/

3+

dep

end

ants

Imp

ove

rish

men

t in

dex

Mo

nth

ly a

mo

un

t (£

)



c7.4



29

%

29

%

22

%

21%

25%

3%

7%

20

%

7%

20

%

15%

7%

7%

7%

25%

6%

11%

0%

5%

10%

15%

20%

25%

30%

35%

1 ad

ult

/0

dep

end

ants

1 ad

ult

/1

dep

en

dan

t

1 ad

ult

/2

dep

end

ants

1 ad

ult

/3+

d

epen

dan

ts

2 a

du

lts/

0

dep

end

ants

2 a

du

lts/

1 d

epe

nd

ant

2 a

du

lts/

2

dep

end

ants

2 a

du

lts/

3+

dep

end

ants


Loss of job


Pregnancy

Illness

Divorce

Separation

c7.5

74

191

380

0

96

144

65

120

50% 57% 68%

94% 99%

194%

0%

0%

0%

50%

100%

150%

200%

250%

0

50

100

150

200

250

300

350

400

1 ad

ult

/0

dep

end

ants

1 ad

ult

/1

dep

en

dan

t

1 ad

ult

/2

dep

end

ants

1 ad

ult

/3+

d

epen

dan

ts

2 a

du

lts/

0

dep

end

ants

2 a

du

lts/

1 d

epe

nd

ant

2 a

du

lts/

2

dep

end

ants

2 a

du

lts/

3+

dep

end

ants

Per

cen

tag

e o

f ca

ses

Nu

mb

er o

f m

on

ths



c7.6




8. Helpline outcomes

This section provides an overview of helpline activity in May 2016, including

the types of enquiries dealt with as well as the recommendations made by

the charity's advisers.


32%

23%

18%

23%

19%

24

%

28

%

27%

19%

28

%

25%

22

%

12%

12%

12%

13%

12%

15%

8%

8%

14%

11%

16%

13%

17%

19%

21%

26

%

26

% 29

%

27%

26

%

23%

27%

27%

22

%

15%

18%

19%

16%

17%

17%

15%

15%

20

%

14%

15%

20

%

14%

16%

20

%

14%

16%

7%

11%

13%

15%

13%

9%

14%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Jun

15

Jul 1

5

Au

g 1

5

Sep

15

Oct

15

No

v 15

Dec

15

Jan

16

Feb

16

Mar

16

Ap

r 16

May

16

Financial assessment outcomes 4

Budgeting advice

Other

Individual Voluntary Arrangement/Trust Deed

Debt Relief Order

Informal Arrangement 5

Debt Arrangement Scheme

Bankruptcy

42

%

39%

37%

42

%

36%

34%

32%

32%

33%

32%

32%

32%

58%

61%

63%

58%

64

%

66

%

68

%

68

%

67%

68

%

68

%

68

%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

100%

Jun

15

Jul 1

5

Au

g 1

5

Sep

15

Oct

15

No

v 15

Dec

15

Jan

16

Feb

16

Mar

16

Ap

r 16

May

16

Case outcome analysis

Financial assessment outcomes 2 Non-financial assessment outcomes 3

8.1 8.2

42% of callers to the charity's helpline required a full

financial assessment by a helpline adviser whilst 58% required assistance with a specific debt-related issue.

20%

18%

21%

22%

21%

24%

23%

17%

25%

24%

22%

25%

9%

8%

5%

7%

8%

10%

12%

11%

7%

9%

8%

9%

10%

11%

10%

8%

8%

9%

15%

11%

8%

9%

12%

9%

11%

11%

13%

9%

11%

6%

11%

11%

10%

11%

11%

10%

9%

9%

6%

8%

10%

11%

7%

13%

9%

9%

10%

11%

18%

17%

23%

24%

18%

16%

12%

18%

15%

15%

14%

14%

0% 50% 100%

May 16 Apr 16 Mar 16 Feb 16 Jan 16 Dec 15 Nov 15 Oct 15 Sep 15 Aug 15

Jul 15 Jun 15

Non-financial assessment outcomes

3rd party call

Bailiff assistance

Benefits

Council Tax

Credit rating

Current insolvency case

Disputed liability

Housing assistance

Legal

Mortgage

Other

8.4

2 Cases that required a full financial assessment and managed solution intervention (see 8.2)

3 Cases that did not require a full financial assessment, for example, a specific question relating to a point of law (see 8.3).

4 Advice recommendations made to the client following f inancial assessment and explanation of the available options (this may differ to the advice chosen by the client).

5 Informal arrangements can be managed interventions with a fairshare provider or a self managed programme via Money Advice Trust's Cashflow.

Financial assessment

outcomes (32)

Non-financial assessment

outcomes (68)

Outcome map (per 100 cases in May 2016)

Ban

kru

ptc

y (1

0)

DR

O (

6)

IVA

/Tru

st D

eed

(5)

Bu

dg

eti

ng

ad

vice

(5)

In

form

al A

rran

ge

me

nt

(4)

Oth

er (3

)

3rd

par

ty c

all (

14)

Cu

rren

t in

solv

ency

cas

e (8

)

Ben

efit

s (7

)

Bai

liff

assi

stan

ce (

6)

Leg

al (6

)

Dis

pu

ted

liab

ility

(6

)

Oth

er

(21)

En

qu

iry

Ou

tco

me

8.3

22%

3%

13% 45%

22%

13%

20%

23%

14% 13%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Advice recommended by adviser

Advice chosen by client

Advice take-up (May 2016)

Budgeting advice

Other

Individual Voluntary Arrangement/Trust Deed

Debt Relief Order

Informal Arrangement

Debt Arrangement Scheme

Bankruptcy

8.5

6 Following a full financial assessment, each client is provided with a recommended course of action along with a comprehensive breakdown of each solution they legally have access to in order that they are able to make an informed choice.

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

Weekly call density map (May 2016) 7

0.0%-1.0% 1.0%-2.0% 2.0%-3.0% 3.0%-4.0%

8.6

7 The density map charts when calls to the charity's helpline were received during the month. The more calls the charity received on a given weekday and hour during the month, the higher the corresponding density value.

* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.

8%

0% 4% 4% 2%

7% 7% 7% 3%

7% 4% 1% 2%

Unsecured debt to annual income

ratio82% 87% 77% 79%

May 16

Average repayment term (months) 129 121 107 106

Other

T1.6 - Debt servicing (May 2016) May 1512 month

averageApr 16


Pregnancy

Illness

Divorce

Separation 29% 14% 13% 3%

36% 44% 50% 57%

0% 8% 5%

Loss of job 21% 20% 20% 24%

T1.5 - Specified cause of financial

impairment (May 2016)May 15

12 month

averageApr 16 May 16

£1,701

£1,503 £1,467 £1,541

£0 £0 £0

Net monthly household income

Monthly household expenditure

Impoverishment index

£1,705

£1,540

£0

£1,644 £1,633

T1.4 - Client financial profile (May

2016)May 15

12 month

averageApr 16 May 16

Trade debt £7£0£152£139

Crown tax debt £291£44£359£27

Council tax debt £324£312£212£75

Benefit overpayment £299£180£213£202

Utility debt £291£190£294£231

Short term loan £297£287£270£168

Store card £403£577£598£544

£16,148

6.756.206.076.806.12

Overdraft £1,107£838£997£910

Other debts £1,399£1,325£1,080£133

Unsecured loan £4,860£5,412£6,499£4,843

12 month

averageMay 15

Credit card £7,414£6,039£6,620£5,536

Apr 16Mar 16Feb 16Jan 16

£30000 -

£35000

£25000 -

£30000

£20000 -

£25000

£15000 -

£20000

£10000 -

£15000

34.3%Category weighting

T1.3 - Unsecured debt by type (May

2016)*May 16Apr 16

4.2%6.6%9.0%14.5%15.7% 0.6%2.4%2.4%1.8%3.6%

£19,612£14,048£17,183£16,990£17,746

£5000 -

£10000£0 - £5000

T1.2 - Unsecured debt profile (May

2016)

T1.1 - Unsecured debt overview

Average unsecured debt

Average number of unsecured

creditors

Jul 15Jun 15

6.376.22

£17,059£21,235

6.316.086.306.336.97

Dec 15Nov 15Oct 15Sep 15Aug 15 May 16


Appendix (data tables)

£50000 -

£55000

£45000 -

£50000

£40000 -

£45000

£35000 -

£40000

£16,080£15,048£16,375£17,317



55-64 65+

105 142

99% 194%

0.0% 0.0%

29.4% 0.0%

29.4% 0.0%


21.2% 22.5%

Impoverishment index 5.6% 16.3% 21.2% 22.5%

Divorce 0.0% 0.0%

£0

£2,296

£679 £2,367

£360 £699

12.5% 0.0%

0.0% 0.0%

25.0% 14.3%

29.4% 0.0%

55-64 65+

25.0% 28.6%

55-64 65+

£1,552 £1,304

£1,377 £1,090

£6,540 £8,069

£1,121


ratio50% 57% 68% 94%


T2.6 - Debt servicing (age group) 18-24 25-34 35-44 45-54

Impoverishment index 5.6% 16.3%

£115 £0

£56 £0

£0 £0

£0 £0

£211 £0

£361

0.0% 9.1%

Illness 0.0% 7.7% 5.3% 4.5%

Pregnancy 0.0% 3.8% 0.0% 4.5%

Reduced working hours 0.0% 3.8% 5.3% 0.0%

Loss of job 33.3% 3.8% 36.8% 31.8%

T2.5 - Cause of financial impairment

(age group)18-24 25-34 35-44 45-54


Monthly household expenditure £821 £1,569 £1,801 £1,788

Net monthly household income £1,060 £1,734 £1,909 £1,932

T2.4 - Client financial profile (age

group)18-24 25-34 35-44 45-54

Trade debt £0 £0 £36 £0

Crown tax debt £0 £29 £158 £1,017

Council tax debt £129 £408 £221 £555

Benefit overpayment £8 £196 £872 £125

Utility debt £94 £467 £440 £140

Short term loan £713 £552 £229 £48

Store card £102 £367 £619 £357

Overdraft £620 £804 £937 £1,735

Other debts £426 £1,361 £1,796 £1,473

Unsecured loan £3,100 £4,688 £3,129 £5,853

35-44 45-54 55-64 65+

Credit card £1,429 £4,005 £7,360 £11,226

T2.3 - Average debt by type (age

group)*18-24 25-34 35-44 45-54

Case weighting (May 2016) 10.8% 29.5% 19.9% 24.1% 10.2% 5.4%

Regional contact population

weighting index98.8% 172.7% 123.0% 134.8% 71.7% 23.0%

55-64 65+

£9,623 £17,020

55-64 65+T2.2 - Case weighting (age group) 18-24 25-34 35-44 45-54

£18,486 £30,410Average unsecured debt (May 2016) £6,364 £11,888 £15,511 £21,811



T2.1 - Average unsecured debt (age

group)18-24 25-34




ratio85% 74%

Average repayment term (months) 76 150

T3.6 - Debt servicing (gender) Male Female



Divorce 2.0% 2.7%

Illness 8.0% 8.1%

Pregnancy 0.0% 5.4%

Reduced working hours 6.0% 0.0%

Loss of job 28.0% 18.9%


(gender)Male Female


Monthly household expenditure £1,399 £1,634

Net monthly household income £1,615 £1,736

T3.4 - Client financial profile (gender) Male Female

Trade debt £14 £0

Crown tax debt £244 £336

Council tax debt £279 £386

Benefit overpayment £116 £224

Utility debt £125 £408

Short term loan £451 £130

Store card £217 £585

Overdraft £1,400 £777

Other debts £1,081 £1,788

Unsecured loan £5,151 £4,804

Credit card £7,961 £6,666

T3.3 - Average debt by type (gender)* Male Female

Case weighting (May 2016) 50.6% 49.4%

T3.2 - Case weighting (gender) Male Female

Average unsecured debt (May 2016) £16,484 £15,407



T3.1 - Average unsecured debt

(gender)Male Female


72

82% 82% 95% 61% 89% 83%

158 222 97 142 72

0.0%

Scotland South East South West WalesWest

Midlands

Yorkshire

and the

Humber

0.0% 0.0% 0.0% 0.0% 0.0%

0.0%

0.0% 0.0% 0.0% 0.0% 0.0% 0.0%

0.0% 0.0% 16.7% 0.0% 0.0%

0.0%

0.0% 0.0% 33.3% 0.0% 0.0% 25.0%

0.0% 0.0% 0.0% 0.0% 14.3%

25.0%

0.0% 0.0% 0.0% 0.0% 14.3% 0.0%

0.0% 29.4% 0.0% 0.0% 14.3%

0.0%


Midlands

Yorkshire

and the

Humber

0.0% 0.0% 0.0% 0.0% 0.0%

£1,885

£1,863 £1,749 £1,578 £1,500 £1,273 £1,623

£1,987 £1,829 £1,787 £1,582 £1,495

£0


Midlands

Yorkshire

and the

Humber

£0 £0 £79 £0 £0

£90

£0 £155 £0 £263 £386 £0

£363 £332 £325 £50 £332

£127

£0 £765 £134 £0 £303 £0

£32 £268 £195 £413 £456

£750

£274 £264 £119 £0 £414 £277

£0 £250 £55 £338 £676

£1,892

£610 £1,630 £1,005 £500 £830 £883

£3,757 £1,725 £1,848 £3,148 £947

£9,101

£5,481 £6,198 £9,264 £325 £4,414 £6,170

£9,437 £7,471 £8,176 £6,787 £7,906

101.9%


Midlands

Yorkshire

and the

Humber

36.5% 131.5% 107.5% 50.6% 109.1%

Yorkshire

and the

Humber

3.0% 18.1% 9.0% 2.4% 9.6% 8.4%


Midlands

81% 56%



Midlands

Yorkshire

and the

Humber

£19,618 £17,927 £20,393 £11,522 £16,029 £18,725


ratio77% 54% 70% 118%

North WestNorthern

Ireland

Average repayment term (months) 83 69 112 150 85 51

T4.6 - Debt servicing (region)East

Midlands

East of

EnglandLondon North East

29.4% 0.0%

Impoverishment index 5.6% 16.3% 21.2% 22.5% 29.4% 0.0%


16.7% 0.0%

Divorce 0.0% 0.0% 4.8% 0.0% 0.0% 0.0%

Illness 0.0% 0.0% 4.8% 25.0%

0.0% 0.0%

Pregnancy 0.0% 0.0% 4.8% 0.0% 0.0% 0.0%


North WestNorthern

Ireland

Loss of job 25.0% 25.0% 23.8% 50.0% 33.3% 0.0%


(region)

East

Midlands

East of


£1,326 £1,023


Monthly household expenditure £1,756 £2,053 £1,393 £1,076

North WestNorthern

Ireland

Net monthly household income £1,975 £2,269 £1,505 £1,188 £1,497 £1,175

T4.4 - Client financial profile (region)East

Midlands

East of


£894 £0

Trade debt £0 £0 £0 £0 £0 £0

Crown tax debt £0 £2,044 £3 £0

£57 £0

Council tax debt £310 £1,220 £230 £0 £394 £0


£762 £0

Utility debt £180 £804 £301 £0 £382 £0

Short term loan £471 £473 £55 £0

£1,331 £250

Store card £704 £974 £91 £468 £542 £400

Overdraft £660 £612 £1,524 £342

£4,755 £0

Other debts £1,778 £670 £978 £0 £944 £0

Unsecured loan £8,499 £56 £1,730 £5,916

North WestNorthern

Ireland

Credit card £5,627 £7,892 £7,892 £10,101 £4,915 £7,200

T4.3 - Average debt by type (region)*East

Midlands

East of


12.0% 0.6%

Regional contact population

weighting index117.4% 58.1% 135.7% 74.7% 109.3% 21.2%

Case weighting (May 2016) 8.4% 5.4% 18.1% 3.0%

£14,485 £7,850

T4.2 - Case weighting (region)East

Midlands

East of

EnglandLondon North East North West

Northern

Ireland

Average unsecured debt (May 2016) £18,148 £14,826 £12,632 £16,827



(region)

East

Midlands

East of

EnglandLondon North East North West

Northern

Ireland



Unknown Tenant

Neg DI,

can't repay135

68% 94%

0.0% 3.2%

21.2% 22.5%

21.2% 22.5%

0.0% 1.6%

0.0% 1.6%

0.0% 9.7%

21.2% 22.5%

Unknown Tenant

0.0% 22.6%

Unknown Tenant

£0 £1,616

£105 £1,521

£0 £423

£0 £65

£0 £10

£0 £275

£0 £384

£0 £353

£0 £1,485

£4,000 £746

£0 £364


Unknown Tenant

£4,000 £12,896

Unknown Tenant

0.6% 71.7%

Unknown Tenant

£0 £5,534

£0 £3,984

Average repayment term (months) 24 102


ratio50% 57%


T5.6 - Debt servicing (housing status)Living with

ParentsHomeowner

Divorce 0.0% 0.0%


Pregnancy 0.0% 6.3%

Illness 0.0% 6.3%

Loss of job 33.3% 25.0%

Reduced working hours 11.1% 6.3%



(housing status)

Living with

ParentsHomeowner

Net monthly household income £1,068 £2,392

Monthly household expenditure £693 £2,077

Trade debt £0 £0

T5.4 - Client financial profile (housing

status)

Living with

ParentsHomeowner

Council tax debt £0 £110

Crown tax debt £0 £1,305

Utility debt £0 £85

Benefit overpayment £10 £243

Store card £242 £646

Short term loan £942 £80

Other debts £225 £1,683

Overdraft £601 £2,644

Credit card £2,987 £17,012

Unsecured loan £4,347 £8,624

Case weighting (May 2016) 9.0% 18.7%

T5.3 - Average debt by type (housing

status)*

Living with

ParentsHomeowner

Average unsecured debt (May 2016) £9,042 £32,099

T5.2 - Case weighting (housing

status)

Living with

ParentsHomeowner




(housing status)

Living with

ParentsHomeowner


99% 194%

29.4% 0.0%

Unemploye

d (Other)

Unemploye

d (JSA)

Neg DI,

can't repay

Neg DI,

can't repay

Part-time

employment

Self-

employed

Full-time

education


18.2% 0.0%

0.0% 14.3%

29.4% 0.0%

18.2% 85.7%

0.0% 0.0%

0.0% 0.0%

£1,352 £1,017

29.4% 0.0%

Unemploye

d (Other)

Unemploye

d (JSA)

£42 £0

Unemploye

d (Other)

Unemploye

d (JSA)

£1,348 £926

£25 £505

£300 £368

£41 £0

£326 £236

£57 £78

£171 £268

£2,585

£2,898 £0

£531 £506


Unemploye

d (Other)

Unemploye

d (JSA)

£8,125 £11,213

Unemploye

d (Other)

Unemploye

d (JSA)

16.9% 6.6%

Unemploye

d (Other)

Unemploye

d (JSA)

£2,914 £6,836

£2,153


ratio50% 57% 68% 94%


T6.6 - Debt servicing (employment

status)

Full-time

employmen

t


Divorce 2.4% 0.0% 0.0% 0.0%

Illness 2.4% 20.0% 9.1% 0.0%

Pregnancy 2.4% 10.0% 0.0% 0.0%


Loss of job 16.7% 20.0% 18.2% 0.0%


(employment status)

Full-time

employmen

t

Part-time

employment

Self-

employed

Full-time

education


Monthly household expenditure £1,655 £1,703 £1,712 £1,847

Net monthly household income £1,958 £1,777 £1,815 £2,133

T6.4 - Client financial profile

(employment status)

Full-time

employmen

t

Part-time

employment

Self-

employed

Full-time

education

Trade debt £0 £0 £0 £0

Crown tax debt £561 £0 £232 £0

Council tax debt £336 £407 £334 £0


Utility debt £239 £742 £228 £0

Short term loan £517 £209 £181 £0

Store card £465 £549 £250 £1,400

Overdraft £1,453 £443 £1,653 £2,900

Other debts £1,080 £1,080 £1,208 £0

Unsecured loan £6,759 £3,688 £3,088 £0

Credit card £7,619 £5,072 £12,279 £7,550

T6.3 - Average debt by type

(employment status)*

Full-time

employmen

t

Part-time

employment

Self-

employed

Full-time

education


T6.2 - Case weighting (employment

status)

Full-time

employmen

t

Part-time

employment

Self-

employed

Full-time

education

Average unsecured debt (May 2016) £18,986 £12,366 £18,666 £11,850




(employment status)

Full-time

employmen

t

Part-time

employment

Self-

employed

Full-time

education


2 adults/2

dependants

2 adults/3+

dependants

65 120

0% 0%

74 191 380 0

0.0% 25.0%

0.0% 0.0%

0.0% 0.0%

20.0% 0.0%

20.0% 0.0%

0.0% 0.0%

0.0% 0.0%

2 adults/2

dependants

2 adults/3+

dependants

0.0% 0.0%

2 adults/2

dependants

2 adults/3+

dependants

£2,812 £3,066

£2,527 £2,841

£103 £1,361

£0 £0

£0 £0

£30 £301

£219 £737

£406 £513

£3,639 £3,766

£1,038 £494

£276 £119


2 adults & 2

dependants

2 adults & 3+

dependants

£18,480 £27,056

2 adults & 2

dependants

2 adults & 3+

dependants

7.8% 5.4%

2 adults/2

dependants

2 adults/3+

dependants

£8,214 £11,508

£7,132 £3,026

96 144


ratio50% 57% 68% 94% 99% 194%

Average repayment term (months)

29.4% 0.0%

T7.6 - Debt servicing (household

demographics)

1 adult/0

dependants

1 adult/1

dependant

1 adult/2

dependants

1 adult/3+

dependants

2 adults/0

dependants

2 adults/1

dependant


0.0% 0.0%


Divorce 0.0% 7.1% 0.0% 0.0%

0.0% 0.0%

Illness 14.7% 7.1% 0.0% 0.0% 7.1% 0.0%

Pregnancy 0.0% 7.1% 0.0% 0.0%

21.4% 25.0%

Reduced working hours 2.9% 0.0% 0.0% 0.0% 7.1% 0.0%

Loss of job 29.4% 28.6% 22.2% 0.0%

29.4% 0.0%


(household demographics)

1 adult/0

dependants

1 adult/1

dependant

1 adult/2

dependants

1 adult/3+

dependants

2 adults/0

dependants

2 adults/1

dependant


£2,325 £2,317

Monthly household expenditure £942 £1,350 £1,500 £0 £2,042 £2,151

Net monthly household income £1,094 £1,409 £1,534 £0

£56 £0

T7.4 - Client financial profile


1 adult/0

dependants

1 adult/1

dependant

1 adult/2

dependants

1 adult/3+

dependants

2 adults/0

dependants

2 adults/1

dependant

Trade debt £0 £0 £0 £0

£85 £297

Crown tax debt £0 £831 £0 £0 £271 £1,134

Council tax debt £222 £490 £417 £0

£190 £254

Benefit overpayment £39 £418 £0 £0 £215 £80

Utility debt £195 £254 £428 £0

£681 £698

Short term loan £286 £90 £411 £0 £657 £340

Store card £253 £251 £564 £0

£881 £2,244

Overdraft £689 £623 £1,633 £0 £2,100 £1,894

Other debts £635 £1,352 £1,173 £0

£12,897 £8,985

Unsecured loan £3,372 £2,637 £1,803 £0 £10,046 £8,114

Credit card £5,771 £4,790 £6,815 £0

12.7% 10.2%

T7.3 - Average debt by type

(household demographics)*

1 adult/0

dependants

1 adult/1

dependant

1 adult/2

dependants

1 adult/3+

dependants

2 adults/0

dependants

2 adults/1

dependant


£27,246 £23,919

T7.2 - Case weighting (household

demographics)

1 adult & 0

dependants

1 adult & 1

dependant

1 adult & 2

dependants

1 adult & 3+

dependants

2 adults & 0

dependants

2 adults & 1

dependant

Average unsecured debt (May 2016) £11,195 £11,315 £12,592 £0





1 adult & 0

dependants

1 adult & 1

dependant

1 adult & 2

dependants

1 adult & 3+

dependants

2 adults & 0

dependants

2 adults & 1

dependant

4% 3% 4% 3% 3%

6% 4% 5% 3%

9% 9% 10% 11%

10% 11% 11% 10%

11%

8%

8% 7% 9%


5% 4% 4% 4% 6% 3% 5%

15% 14% 14%18% 16% 12% 18% 15%

3% 3% 3% 3% 4%

8% 10% 12% 11%

13% 9% 14%

Sep 15 Aug 15 Jul 15 Jun 15

16% 7% 11% 13% 15%

6% 7% 7% 4%

8% 9% 12% 9%

1% 1% 0% 2%

6% 5% 7% 5%

8% 9%

25% 24% 22% 25%

7% 9%

14% 15% 20%

9% 10% 9% 8% 10% 7% 9% 9% 9% 7% 7% 8%

17% 17% 15% 15% 20%

13%

17% 19% 21% 26% 26% 29% 27% 26% 23% 27% 27% 22%

0% 1% 1%

Informal Arrangement

Debt Relief Order

12% 12% 12% 13% 12% 15% 8% 8% 14% 11% 16%

1% 1% 0% 2% 0%

27% 19% 28% 25% 22%

32%

68%

Feb 16 Mar 16 Apr 16 May 16

33% 32% 32%

67% 68% 68%

Other 18% 17% 23% 24%

10% 11% 7% 13%

Mortgage 4% 3%

Legal 9% 9% 6%

Housing assistance 4%

Disputed liability 8% 9% 9% 6%

Current insolvency case 11% 11% 13% 9% 11% 6% 11% 11%

Credit rating 3% 7%

Council Tax 1% 3% 1% 2%

4% 5% 7% 7% 5%

3% 2% 2% 1%

5%

Benefits 10% 11% 10% 8% 8% 9% 15% 11%

Bailiff assistance 9% 8% 5% 7%

Jan 16 Dec 15 Nov 15 Oct 15

3rd party call 20% 18% 21% 22% 21% 24% 23% 17%

T8.3 -Non-financial assessment

outcomesMay 16 Apr 16 Mar 16 Feb 16

Other

Budgeting advice 14% 16% 20% 14%

Individual Voluntary

Arrangement/Trust Deed15% 18% 19% 16%

Debt Arrangement Scheme 0% 1% 1% 0%

Oct 15

Bankruptcy 32% 23% 18% 23%

Nov 15 Dec 15 Jan 16

19% 24% 28%

T8.2 -Financial assessment outcomes Jun 15 Jul 15 Aug 15 Sep 15

36% 34% 32% 32%Financial assessment outcomes 42% 39% 37% 42%

Non-financial assessment outcomes 58% 61% 63% 58% 64% 66% 68% 68%



T8.1 -Case outcome analysis Jun 15 Jul 15 Aug 15 Sep 15 Oct 15 Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16

T8.5 -Advice take-up (May 2016)Advice

recommended

by adviser

Advice chosen

by client

Bankruptcy 22% 3%

Debt Arrangement Scheme 1% 2%

Informal Arrangement 13% 45%

Debt Relief Order 22% 13%

Individual Voluntary

Arrangement/Trust Deed20% 23%

Other 8% 0%

Budgeting advice 14% 13%


0.0%0.7%0.6%0.4%0.3%0.6%08:00

1.9% 2.9% 1.8% 2.0% 1.7% 1.3%

10:00 1.3% 2.5% 1.2% 1.7% 0.9% 1.1%

11:00 2.1% 1.6% 1.5% 2.0% 1.5% 0.9%

12:00

0.6%0.7%1.1%

2.5% 1.0% 1.5% 0.6%

0.0%0.4%0.7%1.5%1.0%0.3%19:00

13:00 2.1%

1.3% 2.0%

2.2% 2.1% 2.6% 2.8%

SaturdayFridayThursdayWednesdayTuesdayMondayT8.6 -Weekly call density map (May

2016)



1.8% 0.0%

17:00 1.0%

0.9%1.2%1.2%09:00

0.0%

18:00 0.7% 1.2% 0.9% 2.2% 0.9% 0.0%

0.9%

14:00 1.0% 2.3% 1.8% 2.8% 2.6% 1.1%

15:00 1.0% 3.8% 2.6% 2.4% 2.8% 0.0%

16:00 1.6% 2.2%

Debt Advice Foundation

1 Anchor Court

Commercial Road

Darwen

BB3 0DB

Telephone: 0800 779 71 36

Email: [email protected]

Website: www.debtadvicefoundation.org

Facebook: /DebtAdviceFoundation

Twitter: @DebtAdviceDAF

If you are experiencing financial difficulties, please call the charity's helpline on 0800 043 40 50.

The helpline is open Monday to Friday 8am to 8pm and Saturday 9am to 3pm.

Authorised and regulated by the Financial Conduct Authority No 692492.

Charity registered in England and Wales No 1148498.


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