Locked Out: Examining the impact of problem debt on people's housing situations
Our research 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.
Problem debt has caused issues for many of our clients, including being made homeless, being unable to move into a new home, feeling forced to move from their current home, or simply putting up with problems because of the worry of eviction. Our research found:
- Poor credit ratings affected clients' access to housing
- Problem debt forced clients into expensive private rentals
- Clients felt less secure in private rentals compared to social housing
- Housing quality had a negative impact on energy bills