Debt Statistics. A consumer focus. October 2016
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- Clarissa Marsh
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1 Debt Statistics A consumer focus October 2016
2 Contents 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 2016 Page 2
3 Message from the Chair Welcome to Debt Advice Foundation's October 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. Dennis Benson OBE Chair Debt Advice Foundation 2016 Page 3
4 About Debt Advice Foundation Debt Advice Foundation is a registered national debt advice and charity in England and Wales (no ). 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 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 ). Debt Advice Foundation 2016 Page 4
5 Debt Advice Foundation 2016 Page 5
6 Oct month average Sep 16 Oct 16 Oct month average Sep 16 Oct % % 2.5% 3.7% 6.3% % 2.7% 8.2% % 13.5% 16.2% 19.5% 19.3% 24.3% Repayment term (months) income ratio 28. Oct month average Sep 16 Oct 16 8,359 6, ,354 6,347 6,542 6,224 1,550 Monthly amount ( ) 1,687 1,521 1,640 1,500 1,782 1,598 1,666 1,541 Impoverishment index 798 Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct ,048 19,612 16,148 17,317 16,375 15,048 16,080 14,120 14,501 18,453 18,673 18,663 Number of creditors 24.5% 23.5% 12.2% 9.2% 8.2% % % 3.1% 1. Debt Advice Foundation - Debt Helpline Statistics (October 2016) 1. Overview This section provides an overview of callers to the charity's helpline in October 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). The charity's helpline advisers dealt with a total of 1,828,970 of unsecured debt in October 2016 at an average of 18,663 per case (full financial assessments). c1.1 overview c1.2 profile (October 2016) Average unsecured debt 1 25,000 20,000 15,000 10,000 5, Average number of unsecured creditors 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. Total unsecured debt band c1.3 by type (October 2016) Oct month average Sep 16 Oct 16 5,814 5,894 7,514 2,886 1, ,000 20,000 30,000 Credit card Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt Trade debt c1.4 Client financial profile (October 2016) Net monthly household income Monthly household expenditure 2 Impoverishment index 3 1,850 1,800 1,750 1,700 1,650 1,600 1,550 1,500 1,450 1,400 1, % % 19.4% 21% 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. 1.5 Specified cause of financial impairment (October 2016) 1.6 Debt servicing (October 2016) Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 4 to annual income ratio % 96% % 92% % % 80 83% 86% 60 84% 40 82% % 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. Debt Advice Foundation 2016 Page 6
7 % Neg DI, can't repay 83 3 Number of months 67% ,434 4,044 7, ,750 1,577 1,943 1,779 1,954 1,738 1,488 1,803 1,364 1,144 8,349 6,283 20,182 7,273 6,122 11,602 Monthly amount ( ) Impoverishment index 10,405 6, ,394 14,492 18,937 29,121 24,740 18,366 31% 23% 6.3% Population weighting index 1 Debt Advice Foundation - Debt Helpline Statistics (October 2016) 2. Age group This section provides an overview of callers to the helpline in October 2016, broken down by age group. The age group with the highest average unsecured debt in October 2016 was the age group ( 29,121).The age group with the highest helpline engagement was the age group, which was 7 more likely to call the helpline than the UK average. c2.1 Average unsecured debt (October 2016) c2.2 Case weighting (October 2016) 35,000 30,000 25,000 20,000 15,000 10,000 5,000 35% 3 15% 1 5% Case weighting (October 2016) Regional contact population weighting index 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. c2.3 c2.5 by type (October 2016) ,000 20,000 30,000 40,000 Specified cause of financial impairment (October 2016) Credit card Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt c2.4 c2.6 Client financial profile (October 2016) Net monthly household income Monthly household expenditure 2 Impoverishment index 3 2, , % 30. 1, % 25. 1, % 10.5% 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. Debt servicing (October 2016) Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 4 to annual income ratio % % % % 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. Debt Advice Foundation 2016 Page 7
8 Male Female Male Female % 12% Number of months 2 Male Female 10,843 10,184 1,751 1,540 1,570 1,542 5,551 3,261 Monthly amount ( ) Impoverishment index Male Female Male Female 24,774 11,755 53% 47% (main client) Debt Advice Foundation - Debt Helpline Statistics (October 2016) 3. Gender This section provides an overview of callers to the helpline in October 2016, broken down by gender. Males had the highest average amount of debt in October 2016 ( 24,774).The highest weighting of callers to the helpline in the period was males (53%). c3.1 Average unsecured debt (October 2016) c3.2 Case weighting (October 2016) 30,000 25,000 20,000 15,000 10,000 5,000 54% 53% 52% 51% % 46% 45% 44% 43% c3.3 by type (October 2016) Credit card c3.4 Client financial profile (October 2016) Female Male Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt 10,000 20,000 30,000 Average debt Net monthly household income Monthly household expenditure 1 Impoverishment index % 1, ,750 1,700 1,650 1,600 1,550 1,500 1,450 1, % Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments. 2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure. c3.5 Specified cause of financial impairment (October 2016) c3.6 Debt servicing (October 2016) 3 15% 1 5% Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio % 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. 4 Total amount of unsecured debt as a percentage of total annual net income. Debt Advice Foundation 2016 Page 8
9 East East of England London North East North West Northern Ireland Scotland South East South West Wales West Yorkshire and East East of England London North East North West Northern Ireland Scotland South East South West Wales West Yorkshire and % 33% Neg DI, can't repay % 67% Number of months East East of England London North East North West Northern Ireland Scotland South East South West Wales West Yorkshire and the Humber Monthly amount ( ) 2,001 1,868 1,769 1,643 1,585 1,416 1,907 1,894 1,468 1,559 1,054 1,005 1,764 1,551 2,294 1,931 1,615 1,401 1,773 1,628 1,481 1,399 Impoverishment index East East of England London North East North West Northern Ireland Scotland South East South West Wales West Yorkshire and the Humber East East of England London North East North West Northern Ireland Scotland South East South West Wales West Yorkshire and the Humber 19,997 30,471 20,077 28,312 19,070 8,466 13,045 15,564 15,301 24,938 10,996 4% 3% 2% 1 5% Population weighting index 1 Debt Advice Foundation - Debt Helpline Statistics (October 2016) 4. Region This section provides an overview of callers to the helpline in October 2016, broken down by region. The region with the highest average unsecured debt in October 2016 was East of England ( 30,471).The region with the highest helpline engagement was North West which was 57% more likely to call the helpline than the UK average. c4.1 Average unsecured debt (October 2016) c4.2 Case weighting (October 2016) 35,000 30,000 25,000 20,000 15,000 10,000 5, % 14% 12% 1 6% 4% 2% Case weighting (October 2016) Regional contact population weighting index 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. c4.3 by type (October 2016) Credit card c4.4 Client financial profile (October 2016) Yorkshire and West Wales South West South East Scotland Unsecured loan Other debts Overdraft Store card Short term loan Northern Ireland Utility debt North West North East Benefit overpayment London Council tax debt East of England Crown tax debt East Trade debt 10,000 20,000 30,000 40,000 c4.5 Specified cause of financial impairment (October 2016) c4.6 Net monthly household income Monthly household expenditure 2 Iimpoverishment index 3 2, , , % 33.3% 33.3% % , % 12.5% 9.1% 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. Debt servicing (October 2016) Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 4 to annual income ratio % % % % % 62% 62% 57% 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. Debt Advice Foundation 2016 Page 9
10 4% % 33% 33% 33% Number of months 10 4,459 6,984 1, ,749 10,500 17,497 5,500 Monthly amount ( ) 2,833 2,689 1,267 1,074 1,496 1,381 Impoverishment index 6,637 6,064 14,281 31,222 18,997 16, % 66% Debt Advice Foundation - Debt Helpline Statistics (October 2016) 5. Residential status This section provides an overview of callers to the helpline in October 2016, broken down by residential status. Homeowner was the group with the highest average unsecured debt ( 31,222) in October Tenant was the most likely group to call the charity for advice (66%). c5.1 Average unsecured debt (October 2016) c5.2 Case weighting (October 2016) 35, , , , , ,000 5,000 Homeowner Unknown Tenant 1 Homeowner Unknown Tenant c5.3 c5.5 by type (October 2016) Tenant Unknown Homeowner Credit card Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt Trade debt 10,000 20,000 30,000 40,000 Specified cause of financial impairment (October 2016) c5.4 c5.6 Client financial profile (October 2016) Net monthly household income Monthly household expenditure 1 Impoverishment index 2 3, , ,000 1,500 1, % 11.1% 0. Homeowner Unknown Tenant 1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments. 2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure. Debt servicing (October 2016) Homeowner Unknown Tenant Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio % % 6 81% Homeowner Unknown Tenant 3 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. 4 Total amount of unsecured debt as a percentage of total annual net income Debt Advice Foundation 2016 Page 10
11 Self-employed (Other) (JSA) Retired Self-employed (Other) (JSA) Retired % 1 Neg DI, can't repay Neg DI, can't repay % 75% Number of months 10 Selfemployed Selfemployed (Other) (JSA) Retired 2,119 1,758 1,367 1,304 2,788 2,451 1,305 1, Monthly amount ( ) 1,352 1,170 Impoverishment index (Other) (JSA) Retired Selfemployed (Other) (JSA) Retired 20,874 14,618 30,190 6,022 12,176 31,664 37% 16% 1 12% 7% Debt Advice Foundation - Debt Helpline Statistics (October 2016) 6. Employment status This section provides an overview of callers to the helpline in October 2016, broken down by status. Retired was the group with the highest average unsecured debt ( 31,664) in October was the most likely group to call us for advice (37%). c6.1 Average unsecured debt (October 2016) c6.2 Case weighting (October 2016) 35,000 30,000 25,000 20,000 15,000 10,000 5, % 3 15% 1 5% c6.3 by type (October 2016) Retired (JSA) (Other) Other debts Overdraft Store card Short term loan Utility debt Self-employed Benefit overpayment Council tax debt Crown tax debt Trade debt 10,000 20,000 30,000 40,000 Credit card Unsecured loan c6.4 Client financial profile (October 2016) Net monthly household income Monthly household expenditure 1 Impoverishment index % 3, ,500 2,000 1,500 1, % 11.1% 12.5% 14.3% c6.5 Specified cause of financial impairment (October 2016) c6.6 1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments. 2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure. Debt servicing (October 2016) % 15% Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio % % % 6 81% 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. 4 Total amount of unsecured debt as a percentage of total annual net income. Debt Advice Foundation 2016 Page 11
12 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/ % 6% 22% 2 33% 33% 33% 33% Number of months adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ Monthly amount ( ) 1,203 1,139 1,574 1,449 1,669 1,653 1,494 1,417 2,646 2,225 2,222 1,970 2,069 2,002 3,085 3,011 Impoverishment index 1 adult & 0 1 adult & 1 1 adult & 2 1 adult & 3+ 2 adults & 0 2 adults & 1 2 adults & 2 2 adults & 3+ 1 adult & 0 1 adult & 1 1 adult & 2 1 adult & 3+ 2 adults & 0 2 adults & 1 2 adults & 2 2 adults & 3+ 14,760 18,958 16,540 6,658 35,070 25,611 15,861 17,679 45% 14% 2% 12% 6% 1 2% Debt Advice Foundation - Debt Helpline Statistics (October 2016) 7. Household demographics This section provides an overview of callers to the helpline in October 2016, broken down by household demographics. 2 adults & 0 was the group with the highest average unsecured debt ( 35,070) in October adult & 0 was the most likely group to call us for advice (45%). c7.1 Average unsecured debt (October 2016) c7.2 Case weighting (October 2016) 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5, % 4 35% 3 15% 1 5% c7.3 by type (October 2016) 2 adults/3+ 2 adults/2 2 adults/1 2 adults/0 1 adult/3+ 1 adult/2 1 adult/1 1 adult/0 10,000 20,000 30,000 40,000 Credit card Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt c7.4 Client financial profile (October 2016) Net monthly household income Monthly household expenditure 1 Impoverishment index 2 3, , , ,000 1, % 25. 1, % 8.3% c7.5 Specified cause of financial impairment (October 2016) c7.6 1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments. 2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure. Debt servicing (October 2016) Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio % % % % 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. 4 Total amount of unsecured debt as a percentage of total annual net income. Debt Advice Foundation 2016 Page 12
13 Outcome DRO (6) Bankruptcy (6) IVA/Trust Deed (4) Informal Arrangement (4) Other (3) 3rd party call (14) Benefits (9) Current insolvency case (8) Bailiff assistance (7) Disputed liability (7) Legal (6) Credit rating (4) Other (23) Enquiry Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 34% 32% 32% 33% 32% 32% 32% 2 34% 3 23% 24% 2 27% % 26% 21% 14% 14% 15% 16% 1 16% 2 27% 26% 23% 27% 22% 3 21% 24% 31% 66% % % 66% 7 75% 77% 27% 21% 15% 15% 14% 14% 15% 16% 1 22% 7% 15% 14% 15% 1 12% 7% Debt Advice Foundation - Debt Helpline Statistics (October 2016) 8. Helpline outcomes This section provides an overview of helpline activity in October 2016, including the types of enquiries dealt with as well as the recommendations made by the charity's advisers. 34% of callers to the charity's helpline required a full financial assessment by a helpline adviser whilst 66% required assistance with a specific debt-related issue. 8.1 Case outcome analysis 8.2 Financial assessment outcomes 4 Financial assessment outcomes 2 Non-financial assessment outcomes Budgeting advice Other Individual Voluntary Arrangement/Trust Deed Debt Relief Order Informal Arrangement 5 Debt Arrangement Scheme Bankruptcy 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). Non-financial assessment outcomes 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. Outcome map (per 100 cases in October 2016) Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 23% 24% 21% 22% 21% 1 22% 21% 1 12% 1 7% 5% 1 1 6% 1 12% 15% 6% 7% 7% 1 1 6% 7% 7% 7% 12% 16% 1 24% 23% 1 21% 22% 22% 3rd party call Other 5 10 Bailiff assistance Benefits Council Tax Credit rating Current insolvency case Disputed liability Housing assistance Legal Mortgage Financial assessment outcomes (23) Non-financial assessment outcomes (77) 8.5 Advice take-up (October 2016) % 22% 31% 3 Advice recommended by adviser 1 2 4% Advice chosen by client Budgeting advice Other Individual Voluntary Arrangement/Trust Deed Debt Relief Order Informal Arrangement Debt Arrangement Scheme Bankruptcy 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. 8.6 Weekly call density map (October 2016) Saturday Friday Thursday Wednesday Tuesday Monday 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. Debt Advice Foundation 2016 Page 13
14 Appendix (data tables) T1.1 - overview Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Average unsecured debt 14,048 19,612 16,148 17,317 16,375 15,048 16,080 14,120 14,501 18,453 18,673 18,663 Average number of unsecured creditors T1.2 - profile (October 2016) Category weighting 24.5% 23.5% 12.2% 9.2% 8.2% % % 3.1% 1. T1.3 - by type (October 2016)* Oct month average Sep 16 Oct 16 Credit card 6,224 6,542 6,347 8,359 Unsecured loan 7,514 5,894 5,814 6,934 Other debts 798 1,616 2, Overdraft ,550 1,354 Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt Trade debt * 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. T1.4 - Client financial profile (October 2016) Oct month average Sep 16 Oct 16 Net monthly household income 1,687 1,640 1,782 1,666 Monthly household expenditure 1,521 1,500 1,598 1,541 Impoverishment index T1.5 - Specified cause of financial impairment (October 2016) Oct month average Sep 16 Oct 16 Loss of job % Reduced working hours 4% 6% 4% 16% Pregnancy 5% 3% 4% Illness 2% 5% Divorce 3% 4% 6% 3% Separation 12% 12% 14% Other % 3 T1.6 - Debt servicing (October 2016) Oct month average Sep 16 Oct 16 Average repayment term (months) to annual income ratio 85% 83% 87% 93% Debt Advice Foundation 2016 Page 14
15 Appendix (data tables) T2.1 - Average unsecured debt (age group) Average unsecured debt (October 2016) ,394 14,492 18,937 29,121 24,740 18,366 T2.2 - Case weighting (age group) Case weighting (October 2016) 9.5% 30.5% 23.2% % 6.3% Regional contact population weighting index 86.3% 178.5% 143.3% % 26. T2.3 - Average debt by type (age group)* Credit card 621 4,044 8,349 20,182 6,122 10,405 Unsecured loan 2,434 7,238 6,283 7,273 11,602 6,723 Other debts , Overdraft 498 1,174 1,310 1,725 2, Store card , Short term loan 1, Utility debt Benefit overpayment 69 1, Council tax debt Crown tax debt Trade debt * 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. T2.4 - Client financial profile (age group) Net monthly household income 947 1,750 1,943 1,954 1,488 1,364 Monthly household expenditure 796 1,577 1,779 1,738 1,803 1,144 Impoverishment index 11.1% 20.7% 27.3% 10.5% T2.5 - Cause of financial impairment (age group) Loss of job % 66.7% 0. Reduced working hours % 18.2% Pregnancy Illness % Divorce % Impoverishment index 11.1% 20.7% 27.3% 10.5% Impoverishment index 11.1% 20.7% 27.3% 10.5% T2.6 - Debt servicing (age group) Average repayment term (months) to annual income ratio 47% 6 81% 124% Neg DI, can't repay % Debt Advice Foundation 2016 Page 15
16 Appendix (data tables) T3.1 - Average unsecured debt (gender) Average unsecured debt (October 2016) Male Female 24,774 11,755 T3.2 - Case weighting (gender) Male Female Case weighting (October 2016) 53.1% 46. T3.3 - Average debt by type (gender)* Male Female Credit card 10,843 5,551 Unsecured loan 10,184 3,261 Other debts Overdraft 1, Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt Trade debt * 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. T3.4 - Client financial profile (gender) Male Female Net monthly household income 1,751 1,570 Monthly household expenditure 1,540 1,542 Impoverishment index 11.1% 20.7% T3.5 - Cause of financial impairment (gender) Male Female Loss of job % Reduced working hours % Pregnancy Illness Divorce Impoverishment index 11.1% 20.7% Impoverishment index 11.1% 20.7% T3.6 - Debt servicing (gender) Male Female Average repayment term (months) to annual income ratio 11 62% Debt Advice Foundation 2016 Page 16
17 Appendix (data tables) T4.1 - Average unsecured debt (region) Average unsecured debt (October 2016) East East of England London North East North West 19,997 30,471 20,077 28,312 Northern Ireland 19,070 Scotland South East South West Wales West Yorkshire and the Humber 8,466 13,045 15,564 15,301 24,938 10,996 T4.2 - Case weighting (region) East East of England London North East North West Case weighting (October 2016) 4.1% 9.2% 17.3% 3.1% Northern Ireland 17.3% 0. Scotland South East South West Wales West Yorkshire and the Humber % 10.2% 5.1% 9.2% 8.2% Regional contact population weighting index % 130.2% % % 81.7% 121.4% 107.2% % T4.3 - Average debt by type (region)* East East of England London North East North West Northern Ireland Credit card 5,891 11,057 8,772 15,652 11,101 Scotland South East South West Wales West 4,036 5,105 12,870 4,852 7,633 Yorkshire and the Humber 2,360 Unsecured loan 9,438 14,459 8,433 10,929 3,505 3,920 3,869 2,884 8,472 12,253 5,508 Other debts 191 1, , , Overdraft 986 2,473 1,655 2,547 1, , ,063 Store card , Short term loan 3, , Utility debt Benefit overpayment 7, Council tax debt Crown tax debt Trade debt * 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. T4.4 - Client financial profile (region) East East of England London North East North West Northern Ireland Net monthly household income 2,001 1,769 1,585 1,907 1,468 Scotland South East South West Wales West 1,054 1,764 2,294 1,615 1,773 Yorkshire and the Humber 1,481 Monthly household expenditure 1,868 1,643 1,416 1,894 1,559 1,005 1,551 1,931 1,401 1,628 1,399 Impoverishment index 11.1% 20.7% 27.3% 10.5% T4.5 - Cause of financial impairment (region) East East of England London North East North West Northern Ireland Loss of job % 0. Scotland South East South West Wales West % Yorkshire and the Humber 0. Reduced working hours % Pregnancy Illness % 33.3% Divorce Impoverishment index 11.1% 20.7% 27.3% 10.5% Impoverishment index 11.1% 20.7% 27.3% 10.5% T4.6 - Debt servicing (region) East East of England London North East Average repayment term (months) North West Neg DI, can't repay Northern Ireland 0 Scotland South East South West Wales West Yorkshire and the Humber 134 to annual income ratio 83% 144% 106% 124% 10 67% 62% 57% % Debt Advice Foundation 2016 Page 17
18 Appendix (data tables) T5.1 - Average unsecured debt (housing status) Average unsecured debt (October 2016) Homeowner 14,281 31,222 Unknown Tenant 18,997 16,277 T5.2 - Case weighting (housing status) Homeowner Unknown Tenant Case weighting (October 2016) 13.4% 18.4% T5.3 - Average debt by type (housing status)* Homeowner Unknown Tenant Credit card 4,459 16,749 17,497 6,637 Unsecured loan 6,984 10,500 5,500 6,064 Other debts ,014 Overdraft 679 3,629 1, Store card 422 1, Short term loan 1, Utility debt Benefit overpayment 767 Council tax debt Crown tax debt Trade debt * 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. T5.4 - Client financial profile (housing status) Homeowner Unknown Tenant Net monthly household income 1,054 2,833 1,267 1,496 Monthly household expenditure 911 2,689 1,074 1,381 Impoverishment index 11.1% 20.7% 27.3% 10.5% T5.5 - Cause of financial impairment (housing status) Homeowner Unknown Tenant Loss of job 33.3% % Reduced working hours 33.3% % Pregnancy Illness 33.3% Divorce % Impoverishment index 11.1% 20.7% 27.3% 10.5% Impoverishment index 11.1% 20.7% 27.3% 10.5% T5.6 - Debt servicing (housing status) Homeowner Unknown Tenant Average repayment term (months) to annual income ratio 47% 6 81% 124% Debt Advice Foundation 2016 Page 18
19 Appendix (data tables) T6.1 - Average unsecured debt ( status) Average unsecured debt (October 2016) employmen t 20,874 14,618 30,190 d (Other) d (JSA) 6,022 12,176 T6.2 - Case weighting ( status) employmen t Case weighting (October 2016) 37.1% 16.5% 8.2% 0. d (Other) d (JSA) 18.6% 12.4% T6.3 - Average debt by type ( status)* employmen t Credit card 10,082 4,946 19,602 d (Other) d (JSA) 1,338 4,044 Unsecured loan 6,945 5,357 12,188 1,221 3,718 Other debts ,430 Overdraft 1,909 1,908 2, Store card Short term loan Utility debt Benefit overpayment 280 1, Council tax debt Crown tax debt Trade debt * 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. T6.4 - Client financial profile ( status) employmen t Net monthly household income 2,119 1,367 2,788 d (Other) d (JSA) 1, Monthly household expenditure 1,758 1,304 2,451 1, Impoverishment index 11.1% 20.7% 27.3% 10.5% T6.5 - Cause of financial impairment ( status) employmen t Loss of job d (Other) d (JSA) Reduced working hours Pregnancy Illness Divorce Impoverishment index 11.1% 20.7% 27.3% 10.5% Impoverishment index 11.1% 20.7% 27.3% 10.5% T6.6 - Debt servicing ( status) employmen t Selfemployed Selfemployed Selfemployed Selfemployed Selfemployed Selfemployed Average repayment term (months) d (Other) Neg DI, can't repay d (JSA) Neg DI, can't repay to annual income ratio 47% 6 81% 124% % Debt Advice Foundation 2016 Page 19
20 Appendix (data tables) T7.1 - Average unsecured debt (household demographics) Average unsecured debt (October 2016) 1 adult & 0 1 adult & 1 1 adult & 2 1 adult & 3+ 14,760 18,958 16,540 6,658 2 adults & 0 2 adults & 1 35,070 25,611 2 adults & 2 2 adults & 3+ 15,861 17,679 T7.2 - Case weighting (household demographics) 1 adult & 0 1 adult & 1 1 adult & 2 1 adult & 3+ 2 adults & 0 2 adults & 1 2 adults & 2 2 adults & 3+ Case weighting (October 2016) % 8.2% % 6.1% 10.2% 2. T7.3 - Average debt by type (household demographics)* 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ Credit card 5,351 10,776 6,300 2,380 16,350 10,626 9,181 12,985 Unsecured loan 6,711 3,824 5,038 3,170 16,510 8,499 3, Other debts , Overdraft 840 1, ,656 2,950 1,405 3,500 Store card , Short term loan 328 1,466 1, Utility debt Benefit overpayment Council tax debt Crown tax debt Trade debt * 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. T7.4 - Client financial profile (household demographics) 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ Net monthly household income 1,203 1,574 1,669 1,494 2,646 2,222 2,069 3,085 Monthly household expenditure 1,139 1,449 1,653 1,417 2,225 1,970 2,002 3,011 Impoverishment index 11.1% 20.7% 27.3% 10.5% T7.5 - Cause of financial impairment (household demographics) 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ Loss of job % % Reduced working hours 22.2% 33.3% Pregnancy Illness 5.6% Divorce % Impoverishment index 11.1% 20.7% 27.3% 10.5% Impoverishment index 11.1% 20.7% 27.3% 10.5% T7.6 - Debt servicing (household demographics) 1 adult/0 1 adult/1 1 adult/2 1 adult/3+ 2 adults/0 2 adults/1 2 adults/2 2 adults/3+ Average repayment term (months) to annual income ratio 47% 6 81% 124% % Debt Advice Foundation 2016 Page 20
21 Appendix (data tables) T8.1 -Case outcome analysis Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Financial assessment outcomes 34% 32% 32% 33% 32% 32% 32% 2 34% 3 23% Non-financial assessment outcomes 66% % % 66% 7 75% 77% T8.2 -Financial assessment outcomes Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Bankruptcy 24% 2 27% % 26% 21% 14% Debt Arrangement Scheme 1% 2% 1% 1% 3% 1% 1% 2% Informal Arrangement 15% 14% 16% 1 16% Debt Relief Order 2 27% 26% 23% 27% 27% 22% 3 21% 21% 24% 31% Individual Voluntary Arrangement/Trust Deed 15% 15% 14% 15% 14% 16% 1 22% Other 7% 7% 7% % Budgeting advice 7% 15% 14% 15% 1 12% 7% T8.3 -Non-financial assessment outcomes Oct 16 Sep 16 Aug 16 Jul 16 Jun 16 May 16 Apr 16 Mar 16 Feb 16 Jan 16 Dec 15 Nov 15 3rd party call 1 21% 22% 1 21% 22% 21% 24% 23% Bailiff assistance 6% 5% 7% 1 12% Benefits 12% % Council Tax 2% 3% 3% 3% 2% 1% 3% 1% 2% 3% 2% 2% Credit rating 5% 5% 5% 4% 3% 7% 4% 5% 7% 7% 5% Current insolvency case 1 7% 7% 6% Disputed liability 5% 6% 6% 6% 5% 7% Housing assistance 2% 4% 5% 4% 4% 4% 5% 4% 4% 4% 6% 3% Legal 7% 7% 6% 1 7% Mortgage 3% 5% 5% 4% 4% 4% 3% 4% 3% 4% 3% 3% Other 22% 22% 21% 1 23% 24% 1 16% 12% T8.5 -Advice take-up (October 2016) Advice recommended by adviser Advice chosen by client Bankruptcy 4% Debt Arrangement Scheme Informal Arrangement 3 Debt Relief Order 31% 2 Individual Voluntary Arrangement/Trust Deed 22% 1 Other 1% Budgeting advice 7% Debt Advice Foundation 2016 Page 21
22 Appendix (data tables) T8.6 -Weekly call density map (October 2016) Monday Tuesday Wednesday Thursday Friday Saturday 08: % % 0. 09:00 1.4% 1.4% 1.3% 1.3% 1.3% 0. 10:00 1.7% % 2.1% 2.5% 1.2% 11:00 4.7% 1.4% 2.1% 2.5% 2.5% 0.7% 12: :00 2.5% 1.2% 2.5% % 1. 14: % 2.3% 2.3% 2.1% 0.3% 15:00 2.7% 0.7% 1.3% 1.3% 1.7% 0. 16:00 1.5% 2.2% % 1.3% 0. 17:00 0.5% % % 0. 18:00 0.7% % % 0. 19: % 0.6% 0.2% 0.4% 0. Debt Advice Foundation 2016 Page 22
23 Debt Advice Foundation 1 Anchor Court Commercial Road Darwen BB3 0DB Telephone: press.office@debtadvicefoundation.org Website: Facebook: /DebtAdviceFoundation If you are experiencing financial difficulties, please call the charity's helpline on The helpline is open Monday to Friday 8am to 8pm and Saturday 9am to 3pm. Authorised and regulated by the Financial Conduct Authority No Charity registered in England and Wales No Debt Advice Foundation 2016
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