What situations trigger people's spiral of financial difficulties, and why are so many people falling into problem debt as a result?
4 million people in the UK have a subprime credit card. Our Red Card report examines the relationship between subprime credit cards and problem debt.
Our joint briefing with The Trussell Trust shows that Advance Payments – the loans people can apply for while they wait at least five weeks for Universal Credit – push people into hardship and aren't the solution to the five week wait.
Since 2017, we've been piloting a project which regularly measures the outcomes of our clients in problem debt. The report looks at the process of conducting this research and our initial findings.
Our briefing looks at how our clients' problem debt affected their access to housing and the security, quality and affordability of their homes, at a time they were trying to stabilise their finances or repay their debts.
Our briefing looks at the financial circumstances of our clients with vulnerabilities. In 2017, we supported almost 29,500 people who had an additional vulnerability on top of their financial difficulties.
Our briefing looks at households in arrears on their essential bills. 140,000 people who received debt advice from us in 2017 were behind on at least one of their essential household bills.
Our research looks at what sort of affordable credit can help low income households, so they don't have to turn to high cost credit.
Our new briefing looks at the impact persistent overdraft debt is having in the UK. Our clients to share their experiences about how their lives are affected by overdraft debt.
Our new briefing looks at how third party deductions from benefits can make it difficult for families to pay for essentials, force them to turn to credit to keep on top of bills, and cause hardship.
This paper summarises and responds to Pension Policy Institute (PPI) research commissioned by StepChange Debt Charity analysing the impact on retirement income of creating an accessible savings fund within a pension.
Our new report finds that over a million people in Britain have to rely on high cost credit to cover the cost of essentials. There is a need for clear and coordinated action to build more accessible and affordable credit alternatives for the most financially vulnerable.
We surveyed over 450 clients who are paying off their debts through the DAS scheme in Scotland.