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A closer look at the causes and consequences of problem debt

Our industry-leading debt research

Our research and reports examine the developing trends of problem debt in the UK, analysing the evidence and shaping policy proposals for the long-term protection of people experiencing financial issues.

Taking a closer look at the causes and consequences of problem debt, our research and reports make the evidence-based case for changing regulation, law and practice, to reduce the risk and harm of it.

Our latest research and reports

The coronavirus personal debt crisis

We commissioned national polling in September 2020 to understand how coronavirus has affected personal finances six months into the pandemic in the UK.

Find out more

 Debt Advice during coronavirus: September 2020

October 2020
This report provides insight into the demographic and debt information of clients who got debt advice in September 2020.

 Debt Advice during coronavirus: August 2020

September 2020
This report provides insight into the demographic and debt information of clients who got debt advice in August 2020.

 Debt Advice during coronavirus: July 2020

August 2020
This report provides insight into the demographic and debt information of clients who got debt advice in July 2020.

 Debt Advice during coronavirus: June 2020

July 2020
This report provides insight into the demographic and debt information of clients who got debt advice in June 2020.

 Debt Advice during coronavirus: April-May 2020

June 2020
This report provides insight into the demographic and debt information of clients who got debt advice in the April-May period of lockdown.

 Paths to Recovery: understanding client outcomes 15 months after debt advice

June 2020
This report outlines the latest findings from our client outcomes project, focussing on the outcomes of clients at 15 months after debt advice. The report also revisits key measures discussed in our first report, ‘Measuring Client Outcomes’, published in 2019.

 Coronavirus and personal debt: a financial recovery strategy for households

June 2020

Our latest briefing reveals that a personal debt tsunami of £6 billion is already being stored up among some 4.6 million households and, if left unchecked, is set to worsen.

 Debt Advice during Coronavirus: March - April 2020

May 2020
Our latest report provides insight into the demographic and debt information of clients who got debt advice in the first five weeks of lockdown.

 Action needed to prevent a council tax enforcement ‘cliff-edge’ following coronavirus

May 2020
We ask the Government to do more to protect people who’ve fallen behind on council tax bills as a result of the current crisis.

 Flaws in social security are causing debt and destitution

January 2020
Our report shows that inadequate social support is causing hardship and risks causing problem debt.

 Our latest research highlights the real cost of Christmas

December 2019
Survey results show that a third of Brits turn to credit to get them through the festive season.

 Life happens: financial resilience in a world of uncertainty

July 2019
What situations trigger people's spiral of financial difficulties, and why are so many people falling into problem debt as a result?

 Red Card: subprime credit cards and problem debt

July 2019
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.

 Hardship now, or hardship later?

June 2019
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.


 Measuring Client Outcomes: Why debt advice matters

February 2019
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.


 Locked Out

November 2018
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.


 Breaking the Link

June 2018
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.


 Behind on the basics

May 2018
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.


 Affordable alternatives to high cost credit

March 2018
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.


 Stuck in the red: Millions can't get out of their overdrafts

December 2017
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.


 The problems of third party deductions

September 2017
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.


 Saving safety net report

July 2017
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.


 The high cost of credit: The need for more affordable alternatives to high cost credit

July 2017
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.


 DAS survey results: 2017

May 2017
We surveyed over 450 clients who are paying off their debts through the DAS scheme in Scotland.

Archive

Payday loans: The next generation

November 2016
In the latest of our statistics yearbook series, the Statistics Mid-Yearbook provides an update on personal debt trends for the first half of 2016.

Falling into the red: How overdrafts can lead to problem debt

October 2016
Regularly having to go into an overdraft, or over an overdraft limit, and being hit by unarranged overdraft charges can lead to and exacerbate financial difficulties for many financially vulnerable households.

Boosting lower income savings

September 2016
Our briefing discusses how HTS should be implemented and what more can be done to boost lower-income saving. It contains the results of a survey of our clients on the provisions of the HTS scheme and their ongoing savings needs.

Creditor and debt collector conduct: What's making debt problems worse?

July 2016
Unfair treatment from creditors holds back those in problem debt. Bad lending decisions, poor product design and aggressive debt collection practices can make severe debt problems more likely, more harmful and harder to deal with.

Council Tax Debt in Scotland: A growing problem

March 2016
Council Tax arrears and how these are addressed are one of the fastest growing debt problems that we've seen in the past five years. This report examines the data behind Scottish clients seeking our help with their Council Tax arrears in order to get a clearer picture of the extent of the problem and how policy solutions could make a difference.

The Credit Safety Net: Consumer credit trends and problem debt

February 2016
Our report looks at consumer credit trends in Britain, the use of credit as a safety net and how this can lead to personal debt problems. It also highlights strategies and solutions to address the use of unsustainable credit and the resulting financial difficulties.

Navigating the New Normal: Income shocks and financial difficulty

December 2015
Despite a steady economic recovery and low headline unemployment, 2.6 million people are in severe problem debt and 8.8 million people are in moderate financial difficulty. Income shocks are tipping millions of people into problem debt.

Held Back by Debt: How Britain's lack of financial resilience is tipping people into a debt trap

September 2015
People will always face ups and downs that they have to adjust to, but recent trends in the jobs market, with fewer working people in traditional permanent, full-time, steady-wage jobs, mean more people experience more frequent shocks and changes as part of everyday life.

Becoming a Nation of Savers: Keeping families out of debt by helping them prepare for a rainy day

August 2015
Having accessible savings helps families avoid problem debt, promotes financial inclusion and leads to wider social benefits regarding employment, healthcare, and children's life prospects, but families in the UK are facing a crisis when it comes to saving for a rainy day.

Council Tax Arrears: The impact of aggressive enforcement action

March 2015
Since 2010, StepChange Debt Charity has seen a 372% rise in the number of people we've helped with Council Tax arrears. Only payday loans grew faster as a client debt across this period.

An Action Plan on Problem Debt: How the UK Government can reduce the £8.3 billion social cost of problem debt

January 2015
The British economy is recovering, but many families are still waiting to see their household finances return to a genuinely steady footing. Many are living on the edge, with 21 million people in Britain struggling with their bills.

The Social Cost of Problem Debt in the UK

October 2014
Problem debt costs the UK £8.3bn through the damage it causes to family life, mental and physical health, productivity and employment prospects and costs to the welfare state, the NHS, local government and other agencies.

The Debt Trap: The impact of debt on families with children

May 2014
Despite millions of children living in families with problem debt, very little research has explored the impact it has on them. Our report, written alongside The Children's Society, lifts the lid on the devastating impact debt can have on children.

Life on the Edge: A report on the state of the nation's family finances

April 2014
From the 8.8 million people over indebted to the £1.4 trillion personal debt we British households owe, debt has become a major media debate. Our report looks at the factors that are driving people into financial difficulty, and which groups are most likely to be living on the edge.

StepChange Debt Charity Consumer Debt and Money Report Q3 2012 (pdf)

22 January 2013

Working Households' Experiences of Debt Problems (pdf)

21 November 2012

To access reports produced under our previous name, Consumer Credit Counselling Service (CCCS), please contact us.

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

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