We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo
Go
young woman in pyjamas looking at her phone

UK personal debt in the first half of 2018

Download our Mid-Year Update

Personal debt statistics 2018

Our Statistics Mid-Year Update takes an in-depth look at 326,897 new clients who contacted us for help with problem debt between January and June 2018.

From council tax and utilities arrears, to payday loan and credit card debt, our latest report explores the personal and household debt trends in 2018.

1. The proportion of clients in council tax arrears remains high

New clients were behind on council tax more than any other household bill. In the first half of 2018, almost a third of new clients responsible for a council tax bill were behind on payments.

in the first half of 2018, almost a third of new clients responsible for a council tax bill were behind on payments

2. The proportion of clients with energy arrears is rising

The proportion of clients behind on their energy bills has increased. Between January and June 2018, 13.1% of all new clients were behind on a gas or electricity bill.

13.1% of all new clients in the first half of 2018 were behind on a gas or electricity bill

3. Clients with short-term high-cost credit debts are increasing

The proportion of new clients with a payday or short-term high-cost credit debt has also been increasing over the past few years. In the first half of 2018, 18.3% of new clients had a payday or short-term high-cost credit debt.

in the first half of 2018, 18.3% of new clients had a payday or short-term high-cost credit debt

man holding documents

Journalist or researcher?

  Download the full dataset now (this document will open in Excel)

Contact our policy team

Email us for more information on our debt research and statistics across the UK.

Social media

Connect with us through social media and get all the latest news about our campaigns.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018