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Cutting the cost-of-living is still the priority: a VAT cut could help

April will see further pressure piled on households whose finances have been shattered in recent years. With the economy teetering on the brink of recession too, we need to both reduce prices and boost demand. A VAT cut, as many are calling for, could help.
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OUR WORK IN NUMBERS
150

Million pounds per year saved for 760,000 payday loan borrowers since 2015 due to our successful campaign to cap the total cost of credit.

900

Thousand + pounds of rent being flexed by Optivo tenants this year, providing interest free help for low income households facing cash-flow problems, and linking them to wider support.

500

+ front-line debt advisers now active in our campaign to save face to face debt services from cuts.

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Latest Reports and Upcoming Events

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Council Tax in the cost-of-living-crisis

With increasing numbers of council on the brink of declaring effective bankruptcy and increased Council Tax arrears, there is an urgent need to reform local government finance. In this briefing we set out our position and call for improvements in funding for councils, debt advice commissioning, and the Council Tax collection regime.
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Council Tax in the cost-of-living-crisis

With increasing numbers of council on the brink of declaring effective bankruptcy and increased Council Tax arrears, there is an urgent need to reform local government finance. In this briefing we set out our position and call for improvements in funding for councils, debt advice commissioning, and the Council Tax collection regime.
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REPORT
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The drivers of illegal moneylending

Over the past two years there has been increasing concern about levels of illegal lending. But estimates of its scale vary widely. This study involved secondary analysis of the FCA's Financial Lives Survey for 2020. The findings highlight that recent small-scale surveys indicating a significant rise in illegal lending are likely to be unreliable, and that over-indebtedness and previous, legal, high-cost credit use are dangerous drivers that need to be addressed.
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The drivers of illegal moneylending

Over the past two years there has been increasing concern about levels of illegal lending. But estimates of its scale vary widely. This study involved secondary analysis of the FCA's Financial Lives Survey for 2020. The findings highlight that recent small-scale surveys indicating a significant rise in illegal lending are likely to be unreliable, and that over-indebtedness and previous, legal, high-cost credit use are dangerous drivers that need to be addressed.
BUY NOWDownload Report
REPORT
upcoming event
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Independent evaluation of Fair for You trials with Iceland Foods

With the cost-of-living crisis deepening, we undertook an independent evaluation of Fair for You's Food Club and Shopping Card trials with Iceland Foods. The products provided households with small sum credit at low interest rates to households. The evaluation revealed that the trials improved financial well-being and diets, and we recommend that the products be rolled out at scale.
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Independent evaluation of Fair for You trials with Iceland Foods

With the cost-of-living crisis deepening, we undertook an independent evaluation of Fair for You's Food Club and Shopping Card trials with Iceland Foods. The products provided households with small sum credit at low interest rates to households. The evaluation revealed that the trials improved financial well-being and diets, and we recommend that the products be rolled out at scale.
BUY NOWDownload Report