Debt Statistics. A consumer focus. April 2017

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Transcription:

Debt Statistics A consumer focus April 2017

Contents 3. Message from the Chair 4. About Debt Advice Foundation 5. At-a-glance 6. Overview 8. Age group 9. Gender 10. Region 11. Residential status 12. Employment status 13. Household demographics 14. Helpline outcomes 15. Appendix (data tables) Debt Advice Foundation 2017 Page 2

Message from the Chair Welcome to Debt Advice Foundation's April 2017 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 2017 Page 3

About Debt Advice Foundation 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, as well as the National Homelessness Advice Service (NHAS) 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). Debt Advice Foundation 2017 Page 4

Debt Advice Foundation 2017 Page 5

Apr 16 12 month average Mar 17 Apr 16 12 month average Mar 17 1.2% 1.5% 1.1% 1.3% 4. 3. 3.2% 2.3% 2.5% 4.5% 7.3% 7.3% 7.8% 6.3% 6.3% 9.1% 11.2% 12.5% 11.4% 11.4% 13.4% 15. Repayment term (months) 100 97 123 180 19.5% 18. -income ratio Apr 16 12 month average Mar 17 5,262 965 1,062 1,632 1,468 1,654 1,508 1,557 1,439 1,676 1,575 5,890 5,781 960 953 Monthly amount ( ) Impoverishment index 5,422 1,325 838 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17-5000 5000-10000 10000-15000 15000-20000 20000-25000 25000-30000 30000-35000 35000-40000 40000-45000 45000-50000 50000-55000 16,434 14,120 14,486 18,249 18,968 18,797 18,259 18,025 14,469 17,524 17,709 15,723 Number of creditors 28.4% 29. 9. 6.2% 7.4% 0. 1.2% 2.5% 6.2% 1.2% 1.2% Percentage of cases Debt Advice Foundation - Debt Helpline Statistics (April 2017) 1. Overview This section provides an overview of callers to the charity's helpline in April 2017. 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 1,273,527 of unsecured debt in April 2017 at an average of 15,723 per case (full financial assessments). c1.1 overview c1.2 profile (April 2017) Average unsecured debt 1 20,000 18,000 16,000 14,000 12,000 10,000 8,000 6,000 4,000 2,000 Average number of unsecured creditors 6.33 6.22 6.55 6.766.826.886.88 6.52 6.89 7.25 8.0 6.51 7.0 5.56 6.0 5.0 4.0 3.0 2.0 1.0 0.0 35. 30. 25. 20. 15. 10. 5. 0. 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. Total unsecured debt band c1.3 by type (April 2017) Apr 16 12 month average Mar 17 6,296 6,778 6,832 6,039 5,000 10,000 15,000 20,000 2,528 1,790 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 (April 2017) Net monthly household income Monthly household expenditure 2 Impoverishment index 3 1,700 1,650 1,600 1,550 1,500 1,450 1,400 1,350 1,300 22. 18.5% 20.8% 18.5% 15% 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. 5% 1.5 Specified cause of financial impairment (April 2017) 1.6 Debt servicing (April 2017) 25. 20. 15. 10. 5. 0. Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 4 to annual income ratio 5 95% 200 10 84% 180 7 78% 9 160 8 140 7 120 6 100 5 80 4 60 3 40 20 0 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 2017 Page 6

Average client priority arrears 243.76 Percentage of clients with priority arrears Debt Advice Foundation - Debt Helpline Statistics (April 2017) 1. Overview continued This section provides an overview of callers to the charity's helpline in April 2017. 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). In April 2017, 22.2% of callers told us they'd previously sought help with their debts. 34. of callers were identified as having a vulnerability that made them susceptible to potential detriment. c1.7 Priority debt arrears (April 2017)² c1.8 Priorty debt arrears by type (April 2017) Average priority arrears debt Percetntage of clients with priority arrears 0. 300 25. 250 200 150 100 19. 20. 15. 10. 31.2% 47. Rent arrears Secured debt arrears Council Tax arrears Utility arrears 50 5. 21.2% 0. 2 Insolvency cases (DROs, bankrutcies and IVAs) have been ommitted from the priority debt arrears calculation due to the variable nature of arrears processing in these solutions. c1.9 Repeat advice (April 2017)¹ c1.10 Client vulnerability (April 2017) 77.8% 22.2% Clients that have previously received debt advice Clients that have not previously received debt advice 65.4% 34. 2.4% 31. 1.2% No vulnerability identified Circumstances Health Comprehension/ Decision making 1 Repeat advice is a measure of previous client engagment with an FCA authorised source, ranging from seeking advice through entering an agreement with a debt solution provider.

18-24 25-34 35-44 45-54 55-64 65+ 18-24 25-34 35-44 45-54 55-64 65+ 27 62 5% 5% 5% 879 115 Neg DI, can't repay 23 Number of months Percentage of cases 10 18-24 25-34 35-44 45-54 55-64 65+ 1,176 1,133 5,134 1,160 978 1,705 1,482 1,798 1,778 1,884 1,747 1,604 1,746 1,908 1,404 12,673 4,612 Monthly amount ( ) Impoverishment index 5,927 5,760 18-24 25-34 35-44 45-54 55-64 65+ 18-24 25-34 35-44 45-54 55-64 65+ 4,861 13,757 17,573 15,801 27,082 11,687 2 2 1 1.2% Percentage of cases Population weighting index 1 Debt Advice Foundation - Debt Helpline Statistics (April 2017) 2. Age group This section provides an overview of callers to the helpline in April 2017, broken down by age group. The age group with the highest average unsecured debt in April 2017 was the 55-64 age group ( 27,082).The age group with the highest helpline engagement was the 35-44 age group, which was 68% more likely to call the helpline than the UK average. c2.1 Average unsecured debt (April 2017) c2.2 Case weighting (April 2017) 30,000 25,000 20,000 15,000 10,000 5,000 Case weighting (April 2017) Regional contact population weighting index 1 3 1.59 1.68 1.8 1.24 1.6 1.4 0.97 0.95 1.2 15% 1.0 0.8 0.6 5% 0.05 0.4 0.2 0.0 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. c2.3 c2.5 by type (April 2017) 65+ 55-64 45-54 35-44 25-34 18-24 4,922 6,606 7,006 7,994 4,889 10,000 20,000 30,000 Specified cause of financial impairment (April 2017) 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 (April 2017) Net monthly household income Monthly household expenditure 2 Impoverishment index 3 2,500 36.4% 36.4% 40. 2,000 1,500 1,000 500 0. 4.5% 14.3% 0. 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. Debt servicing (April 2017) 35. 30. 25. 20. 15. 10. 5. 0. 1 10 8 6 4 Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 4 to annual income ratio 5 1000 141% 16 900 14 800 700 1 600 81% 10 500 6 7 8 400 51% 6 300 35% 4 200 100 0 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 2017 Page 8

Male Female Male Female 318 108 3% 2% 2% Number of months Percentage of cases 1 Male Female 5,195 6,787 1,604 1,551 1,731 1,593 7,133 4,102 Monthly amount ( ) Impoverishment index Male Female Male Female 16,720 14,963 43% 5 Percentage of cases (main client) Debt Advice Foundation - Debt Helpline Statistics (April 2017) 3. Gender This section provides an overview of callers to the helpline in April 2017, broken down by gender. Males had the highest average amount of debt in April 2017 ( 16,720).The highest weighting of callers to the helpline in the period was females (5). c3.1 Average unsecured debt (April 2017) c3.2 Case weighting (April 2017) 17,000 6 16,500 5 16,000 4 15,500 3 15,000 14,500 14,000 c3.3 by type (April 2017) Credit card c3.4 Client financial profile (April 2017) Female Male Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt Crown tax debt 5,000 10,000 15,000 20,000 Average debt Net monthly household income Monthly household expenditure 1 Impoverishment index 2 1,750 25. 30. 1,700 1,650 1,600 1,550 1,500 1,450 13. 25. 20. 15. 10. 5. 0. 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 (April 2017) c3.6 Debt servicing (April 2017) 18% 1 12% 8% 4% 2% Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio 4 350 8 10 300 72% 9 8 250 7 200 6 5 150 4 100 3 50 0 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 2017 Page 9

East Midlands East of England London North East North West Northern Ireland Scotland South East South West Wales West Midlands Yorkshire and East Midlands East of England London North East North West Northern Ireland Scotland South East South West Wales West Midlands Yorkshire and 125 80 122 38 13% 13% 13% 13% Neg DI, can't repay 0 11 94 124 436 Neg DI, can't repay 83 22% 22% Number of months Percentage of cases 33% 33% East Midlands East of England London North East North West Northern Ireland Scotland South East South West Wales West Midlands Yorkshire and the Humber Monthly amount ( ) 1,111 1,033 1,496 1,228 1,582 1,448 1,162 1,023 2,402 2,467 909 756 1,572 1,460 2,117 1,966 1,596 1,573 1,384 1,416 1,855 1,653 Impoverishment index East Midlands East of England London North East North West Northern Ireland Scotland South East South West Wales West Midlands Yorkshire and the Humber East Midlands East of England London North East North West Northern Ireland Scotland South East South West Wales West Midlands Yorkshire and the Humber 9,829 21,346 16,385 5,335 23,334 1,755 10,566 18,705 9,824 18,206 16,783 4% 1% Percentage of cases Population weighting index 1 Debt Advice Foundation - Debt Helpline Statistics (April 2017) 4. Region This section provides an overview of callers to the helpline in April 2017, broken down by region. The region with the highest average unsecured debt in April 2017 was North West ( 23,334).The region with the highest helpline engagement was Wales which was 108% more likely to call the helpline than the UK average. c4.1 Average unsecured debt (April 2017) c4.2 Case weighting (April 2017) 25,000 20,000 15,000 10,000 15% Case weighting (April 2017) Regional contact population weighting index 1 2.5 2.08 2.0 1.48 1.18 1.19 1.5 0.86 0.93 0.92 1.01 0.98 0.81 1.0 5,000 5% 0.00 0.15 0.5 0.0 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. c4.3 by type (April 2017) Credit card c4.4 Client financial profile (April 2017) c4.5 Yorkshire and West Midlands Wales South West South East Scotland Northern Ireland North West North East London Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt East of England Crown tax debt East Midlands Trade debt 10,000 20,000 30,000 Specified cause of financial impairment (April 2017) c4.6 Net monthly household income Monthly household expenditure 2 Iimpoverishment index 3 3,000 60. 2,500 2,000 1,500 1,000 500 14.3% 18.8% 33.3% 11.1% 0. 0. 11.1% 12.5% 25. 14.3% 12.5% 7 6 5 4 3 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. Debt servicing (April 2017) 35% 3 15% 5% Loss of job Reduced working hours Pregnancy Illness Divorce Separation 500 450 400 350 300 250 200 150 100 50 0 Average repayment term (months) 4 to annual income ratio 5 74% 11 8 38% 81% 1 5 74% 51% 1 75% 14 1 10 8 6 4 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 2017 Page 10

47 2537 645 104 4% 4% 12% Number of months Percentage of cases 2 33% 1,088 5,527 1,002 793 2,037 2,022 456 419 1,790 16,895 11,116 5,710 15,557 Monthly amount ( ) 1,684 Impoverishment index 4,610 3,078 9,767 36,688 24,152 10,943 1 4% 65% Percentage of cases Debt Advice Foundation - Debt Helpline Statistics (April 2017) 5. Residential status This section provides an overview of callers to the helpline in April 2017, broken down by residential status. Homeowner was the group with the highest average unsecured debt ( 36,688) in April 2017. Tenant was the most likely group to call the charity for advice (65%). Homeowner was the group with the highest average unsecured debt ( 36,688) in April 2017. Tenant was the most likely group to call the charity for advice (65%). c5.1 Average unsecured debt (April 2017) c5.2 Case weighting (April 2017) 40,000 35,000 30,000 25,000 20,000 15,000 10,000 7 6 5 4 3 5,000 Living with Parents Homeowner Unknown Tenant Living with Parents Homeowner Unknown Tenant c5.3 c5.5 by type (April 2017) Tenant Unknown Homeowner Living with Parents 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 (April 2017) c5.4 c5.6 Client financial profile (April 2017) Net monthly household income Monthly household expenditure 1 33.3% Impoverishment index 2 2,500 35. 2,000 1,500 1,000 500 0. Living with Parents 14.3% 22. 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 (April 2017) 30. 25. 20. 15. 10. 5. 0. 35% 3 15% 5% Living with Parents Homeowner Unknown Tenant Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio 4 3000 81% 9 2500 6 7 8 7 2000 6 1500 35% 5 4 1000 3 500 0 Living with Parents 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 2017 Page 11

Part-time Self-employed education Unemployed (Other) Unemployed (JSA) Retired Part-time Self-employed education Unemployed (Other) Unemployed (JSA) Retired 68 3% 15% 1 22% 33% 5 5 Neg DI, can't repay 998 111 Neg DI, can't repay 1125 51 Number of months Percentage of cases 10 Part-time Selfemployed Selfemployed education Unemployed (Other) Unemployed (JSA) Retired Monthly amount ( ) 1,983 1,711 1,290 1,364 2,108 2,073 2,227 2,158 1,468 1,475 492 482 1,593 1,291 Impoverishment index Part-time education Unemployed (Other) Unemployed (JSA) Retired Part-time Selfemployed education Unemployed (Other) Unemployed (JSA) Retired 18,579 14,861 35,389 7,697 7,328 10,465 15,531 41% 8% 1% 3% 3% Percentage of cases Debt Advice Foundation - Debt Helpline Statistics (April 2017) 6. Employment status This section provides an overview of callers to the helpline in April 2017, broken down by Self-employed was the group with the highest average unsecured debt ( 35,389) in April 2017. Fulltime was the most likely group to call us for advice (41%). c6.1 Average unsecured debt (April 2017) c6.2 Case weighting (April 2017) 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 45% 4 35% 3 15% 5% c6.3 by type (April 2017) Retired Unemployed (JSA) Unemployed (Other) Other debts Overdraft Store card Short term loan education Utility debt Self-employed Benefit overpayment Part-time 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 (April 2017) Net monthly household income Monthly household expenditure 1 66. Impoverishment index 2 2,500 70. 2,000 50. 60. 50. 1,500 30. 40. 1,000 30. 12.5% 20. 500 3. 0. 0. 10. 0. c6.5 Specified cause of financial impairment (April 2017) 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 (April 2017) 1 10 8 6 4 Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio 4 1200 141% 16 1000 14 1 800 81% 10 600 6 7 8 400 51% 35% 6 200 4 0 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 2017 Page 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/3+ 110 13% 13% Neg DI, can't repay 89 233 Neg DI, can't repay 109 103 133 3 Number of months Percentage of cases 43% 5 1 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 ( ) 1,165 1,045 1,515 1,516 2,152 1,947 1,826 1,783 1,947 2,075 1,968 1,857 2,861 2,495 2,286 2,236 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+ 13,161 10,162 18,175 10,029 17,491 12,078 37,714 6,614 43% 4% 12% 12% 2% Percentage of cases Debt Advice Foundation - Debt Helpline Statistics (April 2017) 7. Household demographics This section provides an overview of callers to the helpline in April 2017, broken down by household 2 adults & 2 was the group with the highest average unsecured debt ( 37,714) in April 2017. 1 adult & 0 was the most likely group to call us for advice (43%). c7.1 Average unsecured debt (April 2017) c7.2 Case weighting (April 2017) 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 5 45% 4 35% 3 15% 5% c7.3 by type (April 2017) 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 50,000 Credit card Unsecured loan Other debts Overdraft Store card Short term loan Utility debt Benefit overpayment Council tax debt c7.4 Client financial profile (April 2017) Net monthly household income Monthly household expenditure 1 Impoverishment index 2 3,500 50. 60. 3,000 50. 2,500 40. 2,000 1,500 20. 20. 30. 1,000 10. 12.5% 20. 500 0. 0. 0. 10. 0. c7.5 Specified cause of financial impairment (April 2017) 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 (April 2017) 6 5 4 3 Loss of job Reduced working hours Pregnancy Illness Divorce Separation Average repayment term (months) 3 to annual income ratio 4 250 141% 16 14 200 1 150 81% 10 6 7 8 100 51% 35% 6 50 4 0 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 2017 Page 13

Outcome DRO (5) Bankruptcy (5) IVA/Trust Deed (5) Budgeting advice (3) Other (5) 3rd party call (19) Current insolvency case (11) Legal (7) Credit rating (6) Disputed liability (6) Bailiff assistance (5) Council Tax (4) Benefits (3) Other (17) Enquiry May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 32% 2 34% 3 2 23% 28% 33% 31% 23% 23% 22% 1 2 1 13% 1 23% 1 12% 13% 18% 13% 1 1 1 15% 15% 3 23% 3 23% 32% 28% 31% 2 23% 68% 71% 6 7 74% 7 72% 6 6 75% 7 7 1 1 1 15% 1 1 15% 13% 13% 13% 12% 12% Debt Advice Foundation - Debt Helpline Statistics (April 2017) 8. Helpline outcomes This section provides an overview of helpline activity in April 2017, including the types of enquiries dealt with as well as the recommendations made by the charity's advisers. 32% of callers to the charity's helpline required a full financial assessment by a helpline adviser whilst 68% 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 3 10 9 8 7 6 5 4 3 10 9 8 7 6 5 4 3 Budgeting advice Other Individual Voluntary Arrangement/Trust Deed Debt Relief Order Informal Arrangement 5 Debt Arrangement Scheme Bankruptcy 8.3 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). Non-financial assessment outcomes 8.4 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. Outcome map (per 100 cases in April 2017) May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 22% 1 18% 1 8% 12% 8% 8% 5% 8% 4% 18% 22% 22% 23% 22% 3rd party call Bailiff assistance Benefits Council Tax Credit rating Current insolvency case Disputed liability 24% Housing assistance 3 5% Legal 28% 8% Mortgage 24% 4% Other 5 10 Financial assessment outcomes (23) Non-financial assessment outcomes (77) 8.5 Advice take-up (April 2017) 10 9 8 7 6 5 4 3 1 3 1 Advice recommended by adviser 1 22% 48% 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 (April 2017) 7 0.-1. 1.-2. 2.-3. 3.-4. 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 2017 Page 14

Appendix (data tables) T1.1 - overview May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 Average unsecured debt 16,434 14,120 14,486 18,249 18,968 18,797 18,259 18,025 14,469 17,524 17,709 15,723 Average number of unsecured creditors 6.33 6.22 6.55 6.76 6.82 6.88 6.88 6.52 6.89 6.51 5.56 7.25 T1.2 - profile (April 2017) - 5000 5000-10000 10000-15000 15000-20000 20000-25000 25000-30000 30000-35000 35000-40000 40000-45000 45000-50000 50000-55000 Category weighting 28.4% 29. 9. 6.2% 7.4% 0. 1.2% 2.5% 6.2% 1.2% 1.2% T1.3 - by type (April 2017)* Apr 16 12 month average Mar 17 Credit card 6,039 6,832 6,778 6,296 Unsecured loan 5,422 5,781 5,890 5,262 Other debts 1,325 1,790 2,528 965 Overdraft 838 953 960 1,062 Store card 577 562 544 1,110 Short term loan 287 380 361 525 Utility debt 190 217 422 187 Benefit overpayment 180 300 567 268 Council tax debt 312 303 240 85 Crown tax debt 44 220 400 743 Trade debt 32 * 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 (April 2017) Apr 16 12 month average Mar 17 Net monthly household income 1,632 1,654 1,557 1,676 Monthly household expenditure 1,468 1,508 1,439 1,575 Impoverishment index T1.5 - Specified cause of financial impairment (April 2017) Apr 16 12 month average Mar 17 Loss of job 1 1 Reduced working hours 5% Pregnancy 1% 2% 1% 1% Illness 5% 8% Divorce 4% 3% 2% 3% Separation 13% 13% Other 5 5 55% 61% T1.6 - Debt servicing (April 2017) Apr 16 12 month average Mar 17 Average repayment term (months) 100 97 123 180 to annual income ratio 7 84% 95% 78% Debt Advice Foundation 2017 Page 15

Appendix (data tables) T1.7 - Priority debt arrears (April 2017)² Average priority arrears debt 244 Percetntage of clients with priority arrears 19. T1.8 - Priorty debt arrears by type (April 2017) Rent arrears 0. Secured debt arrears 47. Council Tax arrears 21.2% Utility arrears 31.2% T1.9 - Repeat advice (April 2017) Clients that have previously received debt advice Clients that have not previously received debt advice 22.2% 77.8% T1.10 - Client vulnerability (April 2017) No vulnerability identified 65.4% Circumstances 2.4% Health 31. Comprehension/Decision making 1.2% Debt Advice Foundation 2017 Page 16

Appendix (data tables) T2.1 - Average unsecured debt (age group) 18-24 25-34 35-44 45-54 55-64 65+ Average unsecured debt (April 2017) 4,861 13,757 17,573 15,801 27,082 11,687 T2.2 - Case weighting (age group) 18-24 25-34 35-44 45-54 55-64 65+ Case weighting (April 2017) 13. 27.2% 27.2% 17.3% 13. 1.2% Regional contact population weighting index 123. 158. 168.1% 96. 95.1% 5.2% T2.3 - Average debt by type (age group)* 18-24 25-34 35-44 45-54 55-64 65+ Credit card 1,176 4,922 6,606 7,006 12,673 5,927 Unsecured loan 1,133 5,134 7,994 4,889 4,612 5,760 Other debts 922 924 1,191 1,161 476 Overdraft 830 826 875 1,024 2,283 Store card 638 1,288 1,386 1,317 512 Short term loan 161 1,128 313 382 334 Utility debt 46 505 182 45 Benefit overpayment 182 254 44 1,192 Council tax debt 51 174 41 127 Crown tax debt 91 45 135 14 5,000 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) 18-24 25-34 35-44 45-54 55-64 65+ Net monthly household income 1,160 1,705 1,798 1,884 1,604 1,908 Monthly household expenditure 978 1,482 1,778 1,747 1,746 1,404 Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. T2.5 - Cause of financial impairment (age group) 18-24 25-34 35-44 45-54 55-64 65+ Loss of job 20. 13. 4.5% 21.4% 0. 0. Reduced working hours 10. 0. 13. 0. 10. 0. Pregnancy 10. 0. 0. 0. 0. 0. Illness 0. 13. 4.5% 14.3% 20. 100. Divorce 0. 0. 4.5% 7.1% 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. T2.6 - Debt servicing (age group) 18-24 25-34 35-44 45-54 Average repayment term (months) 27 62 879 115 to annual income ratio 35% 6 81% 7 55-64 65+ Neg DI, can't repay 23 141% 51% Debt Advice Foundation 2017 Page 17

Appendix (data tables) T3.1 - Average unsecured debt (gender) Male Female Average unsecured debt (April 2017) 16,720 14,963 T3.2 - Case weighting (gender) Male Female Case weighting (April 2017) 43.2% 56.8% T3.3 - Average debt by type (gender)* Male Female Credit card 5,195 7,133 Unsecured loan 6,787 4,102 Other debts 1,196 789 Overdraft 1,434 779 Store card 881 1,284 Short term loan 600 467 Utility debt 146 219 Benefit overpayment 143 362 Council tax debt 101 73 Crown tax debt 1,350 280 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 1,604 1,731 Monthly household expenditure 1,551 1,593 Impoverishment index 0. 4.5% T3.5 - Cause of financial impairment (gender) Male Female Loss of job 17.1% 6.8% Reduced working hours 5. 6.8% Pregnancy 0. 2.3% Illness 14.3% 9.1% Divorce 2. 2.3% Impoverishment index 0. 4.5% Impoverishment index 0. 4.5% T3.6 - Debt servicing (gender) Male Female Average repayment term (months) 318 108 to annual income ratio 8 72% Debt Advice Foundation 2017 Page 18

Appendix (data tables) T4.1 - Average unsecured debt (region) East Midlands East of England London North East North West Average unsecured debt (April 2017) 9,829 21,346 16,385 5,335 Northern Ireland 23,334 Scotland South East South West Wales West Midlands Yorkshire and the Humber 1,755 10,566 18,705 9,824 18,206 16,783 T4.2 - Case weighting (region) East Midlands East of England London North East North West Case weighting (April 2017) 6.2% 8. 19.8% 3. Northern Ireland 11.1% 0. Scotland South East South West Wales West Midlands Yorkshire and the Humber 1.2% 11.1% 9. 9. 8. 9. Regional contact population weighting index 85. 92. 148.3% 91. 100.8% 0. 15. 80. 117.5% 207.5% 97.8% 119.3% T4.3 - Average debt by type (region)* East Midlands East of England London North East North West Northern Ireland Credit card 5,946 8,061 7,071 2,127 7,680 Scotland South East South West Wales West Midlands 1,001 4,156 9,745 4,656 6,112 Yorkshire and the Humber 4,846 Unsecured loan 8,460 9,770 6,151 1,952 2,226 3,695 4,407 2,221 7,427 6,620 Other debts 315 1,125 705 1,720 400 1,155 761 180 476 2,538 Overdraft 1,158 1,460 855 400 2,771 354 341 1,201 476 886 894 Store card 155 839 331 2,167 1,082 1,650 1,911 1,686 1,056 Short term loan 103 90 960 856 699 329 445 104 1,022 328 Utility debt 120 79 34 22 80 864 551 155 Benefit overpayment 353 1,679 78 38 Council tax debt 54 238 64 68 63 80 290 Crown tax debt 219 5,000 113 1,457 69 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 Midlands East of England London North East North West Northern Ireland Net monthly household income 1,111 1,496 1,582 1,162 2,402 Scotland South East South West Wales West Midlands 909 1,572 2,117 1,596 1,384 Yorkshire and the Humber 1,855 Monthly household expenditure 1,033 1,228 1,448 1,023 2,467 756 1,460 1,966 1,573 1,416 1,653 Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. 0. 0. 0. 0. T4.5 - Cause of financial impairment (region) East Midlands East of England London North East North West Northern Ireland Loss of job 20. 14.3% 0. 33.3% 0. 0. Scotland South East South West Wales West Midlands 0. 22.2% 0. 25. 14.3% Yorkshire and the Humber 12.5% Reduced working hours 20. 0. 6. 0. 0. 0. 0. 0. 14.3% 0. 14.3% 12.5% Pregnancy 0. 0. 0. 0. 0. 0. 0. 11.1% 0. 0. 0. 0. Illness 0. 0. 13.3% 33.3% 22.2% 0. 0. 0. 14.3% 25. 0. 12.5% Divorce 0. 0. 0. 0. 11.1% 0. 0. 0. 0. 12.5% 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. 0. 0. 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. 0. 0. 0. 0. T4.6 - Debt servicing (region) East Midlands East of England London North East Average repayment term (months) 125 80 122 38 North West Neg DI, can't repay Northern Ireland 0 Scotland South East South West Wales 11 94 124 436 West Midlands Neg DI, can't repay Yorkshire and the Humber 83 to annual income ratio 74% 11 8 38% 81% 1 5 74% 51% 1 75% Debt Advice Foundation 2017 Page 19

Appendix (data tables) T5.1 - Average unsecured debt (housing status) Living with Parents Homeowner Unknown Tenant Average unsecured debt (April 2017) 9,767 36,688 24,152 10,943 T5.2 - Case weighting (housing status) Living with Parents Homeowner Unknown Tenant Case weighting (April 2017) 13. 17.3% 3. 65.4% T5.3 - Average debt by type (housing status)* Living with Parents Homeowner Unknown Tenant Credit card 1,088 16,895 5,710 4,610 Unsecured loan 5,527 11,116 15,557 3,078 Other debts 541 624 1,596 1,107 Overdraft 622 2,721 900 724 Store card 322 1,479 281 1,223 Short term loan 1,402 49 108 492 Utility debt 20 36 273 Benefit overpayment 245 358 Council tax debt 41 119 Crown tax debt 3,943 94 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) Living with Parents Homeowner Unknown Tenant Net monthly household income 1,002 2,037 456 1,790 Monthly household expenditure 793 2,022 419 1,684 Impoverishment index 0. 4.5% 36.4% 14.3% T5.5 - Cause of financial impairment (housing status) Living with Parents Homeowner Unknown Tenant Loss of job 27.3% 7.1% 0. 9.8% Reduced working hours 9.1% 7.1% 0. 5. Pregnancy 0. 0. 33.3% 0. Illness 9.1% 14.3% 0. 11.8% Divorce 0. 0. 0. 3. Impoverishment index 0. 4.5% 36.4% 14.3% Impoverishment index 0. 4.5% 36.4% 14.3% T5.6 - Debt servicing (housing status) Living with Parents Homeowner Unknown Tenant Average repayment term (months) 47 2537 645 104 to annual income ratio 35% 6 81% 7 Debt Advice Foundation 2017 Page 20

Appendix (data tables) T6.1 - Average unsecured debt ( status) employmen t Part-time Selfemployed Selfemployed education Average unsecured debt (April 2017) 18,579 14,861 35,389 7,697 Unemploye d (Other) Unemploye d (JSA) 7,328 10,465 T6.2 - Case weighting ( status) employmen t Part-time Selfemployed education Case weighting (April 2017) 41.3% 20. 7.5% 1.3% Unemploye d (Other) Unemploye d (JSA) 25. 2.5% T6.3 - Average debt by type ( status)* employmen t Part-time Selfemployed education Credit card 6,595 13,355 2,608 Unemploye d (Other) Unemploye d (JSA) 2,527 6,907 Unsecured loan 7,051 4,412 10,046 1,545 2,567 Other debts 739 1,187 2,298 830 264 Overdraft 1,167 1,502 1,618 1,000 388 1,850 Store card 1,276 1,076 736 1,360 1,233 Short term loan 722 135 611 1,144 Utility debt 13 223 207 283 320 300 Benefit overpayment 567 22 333 Council tax debt 53 111 370 34 Crown tax debt 82 313 6,925 900 500 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 Part-time Selfemployed education Net monthly household income 1,983 1,290 2,108 2,227 Unemploye d (Other) Unemploye d (JSA) 1,468 492 Monthly household expenditure 1,711 1,364 2,073 2,158 1,475 482 Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. T6.5 - Cause of financial impairment ( status) employmen t Part-time Selfemployed education Loss of job 15.2% 6.3% 0. 100. Unemploye d (Other) Unemploye d (JSA) 5. 50. Reduced working hours 0. 25. 16. 0. 0. 0. Pregnancy 0. 6.3% 0. 0. 0. 0. Illness 6.1% 0. 33.3% 0. 22.2% 0. Divorce 3. 6.3% 0. 0. 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. T6.6 - Debt servicing ( status) employmen t Average repayment term (months) 68 Part-time Neg DI, can't repay education 998 111 Unemploye d (Other) Neg DI, can't repay Unemploye d (JSA) 1125 to annual income ratio 35% 6 81% 7 141% 51% Debt Advice Foundation 2017 Page 21

Appendix (data tables) T7.1 - Average unsecured debt (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 unsecured debt (April 2017) 13,161 10,162 18,175 10,029 17,491 12,078 37,714 6,614 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 (April 2017) 43.2% 9. 6.2% 3. 12.3% 12.3% 9. 2.5% 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 4,306 3,846 9,378 1,423 6,923 6,268 17,775 1,604 Unsecured loan 6,281 2,866 4,420 193 1,678 3,051 13,834 641 Other debts 928 1,836 1,062 1,968 917 264 913 341 Overdraft 682 700 420 167 2,044 721 2,925 950 Store card 341 734 3,065 3,765 1,164 1,246 2,372 533 Short term loan 794 264 230 1,187 265 492 38 Utility debt 64 646 1,287 70 1,527 Benefit overpayment 473 78 400 50 250 Council tax debt 111 135 100 40 66 30 210 Crown tax debt 301 200 4,500 100 214 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 1,165 1,515 2,152 1,826 1,947 1,968 2,861 2,286 Monthly household expenditure 1,045 1,516 1,947 1,783 2,075 1,857 2,495 2,236 Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. 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 14.3% 0. 0. 0. 10. 11.1% 12.5% 50. Reduced working hours 8. 0. 20. 0. 10. 0. 0. 0. Pregnancy 0. 0. 0. 0. 0. 11.1% 0. 0. Illness 11.4% 14.3% 0. 0. 30. 0. 12.5% 0. Divorce 5. 0. 0. 0. 0. 0. 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. Impoverishment index 0. 4.5% 36.4% 14.3% 36.4% 0. 0. 0. T7.6 - Debt servicing (household demographics) Average repayment term (months) to annual income ratio 1 adult/0 110 1 adult/1 Neg DI, can't repay 1 adult/2 1 adult/3+ 89 233 2 adults/0 Neg DI, can't repay 2 adults/1 35% 6 81% 7 141% 51% 109 2 adults/2 2 adults/3+ 103 133 Debt Advice Foundation 2017 Page 22

Appendix (data tables) T8.1 -Case outcome analysis May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 Financial assessment outcomes 32% 2 34% 3 2 23% 28% 33% 31% 23% 23% Non-financial assessment outcomes 68% 71% 6 7 74% 7 72% 6 6 75% 7 7 T8.2 -Financial assessment outcomes May 16 Jun 16 Jul 16 Aug 16 Sep 16 Oct 16 Nov 16 Dec 16 Jan 17 Feb 17 Mar 17 Bankruptcy 22% 1 2 1 13% 1 23% 1 Debt Arrangement Scheme 1% 3% 1% 1% 2% 1% Informal Arrangement 12% 1 13% 18% 13% 1 1 15% 15% 3 Debt Relief Order 23% 3 23% 32% 28% 31% 2 23% Individual Voluntary Arrangement/Trust Deed 1 1 1 15% 1 1 Other 8% 12% 8% 5% Budgeting advice 15% 13% 13% 13% 12% 12% T8.3 -Non-financial assessment outcomes Mar 17 Feb 17 Jan 17 Dec 16 Nov 16 Oct 16 Sep 16 Aug 16 Jul 16 Jun 16 May 16 3rd party call 24% 28% 3 24% 1 18% 1 22% Bailiff assistance 5% Benefits 4% 8% 12% 8% Council Tax 5% 4% 4% 3% 5% 4% 2% 3% 3% 3% 2% 1% Credit rating 8% 4% 8% 5% 4% 5% 5% 5% 4% 3% Current insolvency case 8% 8% Disputed liability 5% 8% 8% 5% 8% Housing assistance 4% 2% 3% 3% 2% 2% 4% 5% 4% 4% 4% Legal 4% 8% 5% Mortgage 2% 1% 3% 3% 2% 4% 3% 5% 5% 4% 4% 4% Other 22% 23% 22% 22% 18% T8.5 -Advice take-up (April 2017) Advice recommended by adviser Advice chosen by client Bankruptcy 1 4% Debt Arrangement Scheme Informal Arrangement 3 48% Debt Relief Order 22% Individual Voluntary Arrangement/Trust Deed 1 1 Other Budgeting advice Debt Advice Foundation 2017 Page 23

Appendix (data tables) T8.6 -Weekly call density map (April 2017) Monday Tuesday Wednesday Thursday Friday Saturday 08:00 0. 2.2% 0.2% 0. 0. 0. 09:00 2.3% 2.2% 0. 0. 1.1% 0. 10:00 0. 3. 1.1% 2. 1.1% 0. 11:00 1. 3. 2. 3.3% 2.2% 1.2% 12:00 2.8% 2.4% 1.3% 1.5% 2. 0. 13:00 1. 2.4% 2.8% 3.3% 2.2% 0. 14:00 1.2% 1. 1.3% 2.4% 1. 0.5% 15:00 1. 0.2% 1. 3.3% 1. 0. 16:00 0. 3.3% 2. 0. 2. 0. 17:00 0. 0. 2. 0. 0. 0. 18:00 1. 0. 1.1% 1.5% 0. 0. 19:00 0.2% 1.1% 1.1% 0.4% 0.2% 0. Debt Advice Foundation 2017 Page 24

Debt Advice Foundation 1 Anchor Court Commercial Road Darwen BB3 0DB Telephone: 0800 779 71 36 Email: press.office@debtadvicefoundation.org 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. Debt Advice Foundation 2016

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