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Debt and money policy research

Buy Now...Pain Later?

22 April 2021

Millions of people have used a buy now pay later product in the last year - but the customer journey needs to be better designed to protect people from harm and stop people from slipping into problems

Unavoidable debt: Coronavirus council tax debt

27 January 2021

Coronavirus has pushed millions into financial hardship. The pandemic and the restrictions put in place to control it, have had a dramatic impact on household finances. Many people have been made redundant, furloughed, become too ill to work or have taken time off to care for a loved one. Nearly 1 in 3 households have lost income because of coronavirus, meaning people are struggling to pay bills and are falling into debt. Council tax is one of the bills that people have been struggling with the most. We estimate that over 3.5 million people are currently behind on council tax.

New restrictions, missing protections

20 October 2020

Millions of people now face new coronavirus restrictions on the way they live and work but do not have equivalent protections from the financial hardships that come with them.

Life on less than zero

13 October 2020

In this report we show the impact of coronavirus on the finances of people we help with debt. We outline measures that the Government should take to avoid a national household debt crisis and support the UK’s longer-term economic recovery.