Our work makes a real difference to lower income households.

We were leaders in the campaigns that capped the costs of payday lenders (2015) and rent-to-own firms (2019). In 2022 we worked with the We are Debt Advisers network to prevent £16 million of cuts to community-based debt advice.

Quality research underpins our approach; building the case for change. Today, we are focused on the depth of income inadequacy that is driving people into debt traps, and the role of credit scoring systems in disciplining borrower behaviour.
‍
We welcome donations, of any size, which we can put towards this work.