Debt and money policy research

Addressing financial abuse

Dydd Llun, 25 Ebrill 2016

This report sets out how creditors and advice agencies can best support victims of financial abuse

Payday loans: an improved market?

Dydd Iau, 21 Ebrill 2016

Tighter firm regulation is driving up lending standards, causing firms to adapt or leave, resulting in fewer issues for payday loan customers.

Citizens Advice’s response to FCA consultation on payment protection insurance complaints

Dydd Iau, 14 Ebrill 2016

Citizens Advice responds to the FCA consultation on a deadline for PPI complaints.

Citizens Advice’s response to the Claims Management Regulator on capping costs for consumers in financial claims

Dydd Iau, 14 Ebrill 2016

Citizens Advice responds to the Claims Management Regulator on capping fees for straightforward compensation claims about financial services.

The preventative advice gap: how money advice can help people avoid financial difficulties

Dydd Mawrth, 2 Chwefror 2016

One of the reasons not enough people get help with their money is that not enough money advice proactively helps people to avoid financial difficulties.

The referral gap - how stronger referrals between free guidance and paid-for advice can help people manage their money

Dydd Gwener, 15 Ionawr 2016

New research which explores how stronger referrals between free guidance and paid-for advice can help people make better money choices

The state of debt collection - the case for fairness in government debt collection practice

Dydd Gwener, 8 Ionawr 2016

The case for fairness in government debt collection practice

The free advice gap: spreading the benefits of access to high-quality money advice

Dydd Iau, 19 Tachwedd 2015

Spreading the benefits of access to high-quality money advice

The affordable advice gap: how affordable and clear pricing can help more consumers access paid-for financial advice

Dydd Iau, 29 Hydref 2015

Research showing the experience of consumers who want financial advice on withdrawing their defined contribution pensions.

The four advice gaps

Dydd Mercher, 14 Hydref 2015

Exploring the different gaps in provision of and access to free and paid money advice

Unsecured and insecure? Exploring the UK’s mountain of unsecured personal debt - and how it affects people’s lives

Dydd Mawrth, 29 Medi 2015

Exploring the UK’s mountain of unsecured personal debt - and how it affects people’s lives

Filling the gap: can banks step into the gap left by payday loans - and if so, how?

Dydd Mawrth, 21 Gorffennaf 2015

As the payday loan market contracts, we investigate what role banks could play in providing credit to low income consumers.

A problem shared? Exploring the market for guarantor loans

Dydd Gwener, 17 Gorffennaf 2015

Exploring the market for guarantor loans

Logbook loans are a high cost form of lending which are still governed by archaic Victorian laws. They involve a consumer offering an item of their personal property (usually a car) as security for a loan they have taken.

Cutting our losses

Dydd Llun, 23 Chwefror 2015

The introduction of debt relief orders (DROs) in 2009 increased the number of people in England and Wales able to afford access to formal relief from unmanageable debts. DROs are much cheaper than bankruptcy and enable people on the lowest incomes and with no assets to get their debts written off if they meet strict criteria.