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

Free advice on problem debt
based on what's best for you

0800 138 1111 Freephone (including all mobiles)

Our industry-leading research

Taking a closer look at the causes and consequences of problem debt.

 
Living on a DMP

Our latest research. Reports and insights into problem debt in the UK.

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.

Payday loans: The next generation

November 2016 - Our latest report looks at the differences in the payday loans industry since the FCA regulations were brought in just under two years ago.

Our latest research and reports...

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.

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.

Archive

What does personal debt look like in the UK? (Transcript of Mike O'Connor keynote speech)  - 22 January 2014

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.

Also in this section...

Find out more about household and personal debt trends in the UK: 

Policy and research home

Policy recommendations

Personal debt statistics

Our work in Parliament

Media centre - latest news

get the latest debt news

Our response to the Bank of England’s Money and Credit statistics

29 November, 2016

The latest Bank of England stats reveal that consumer credit is rising at its fastest rate for over a decade.

Want the latest news?

Please enter your email address

 

Your email address will only be used to send you policy and research updates. See our privacy policy for more information.

Contact our policy team

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.

*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 2016