/Our projects

Reviving the UK Economy | time for a household debt write-off?

The Centre for Responsible Credit and Jubilee Debt Campaign are jointly hosting a fringe meeting at this week's TUC Conference in Brighton.   Conference delegates are invited to join us on Tuesday 13 September, 5.45 – 7.15pm. Meeting Room 8, The Brighton Centre, Kings Road, Brighton BN1 2GR Interest rates are at an all-time low, [...]

Britain in the Red | The household debt burden is unsustainable

We have now published our final report for the joint TUC and Unison commissioned ‘Britain in the Red’ project.  The project has been looking at available aggregate and household survey data to track the household debt burden: particularly assessing the economic impacts of consumer credit borrowing and commenting on the types of household that are [...]

By | August 19th, 2016|Blog, Getting Britain Out of Debt|0 Comments

Notes on the FCA’s credit card review

Last week saw the Financial Conduct Authority ('FCA') publish the final findings from its credit card market study.  This revealed that: Around two million cardholders were in arrears or had defaulted on their payments; A further two million people had persistent levels of debt, which they were likely to be struggling to repay; and A [...]

By | August 1st, 2016|Getting Britain Out of Debt|0 Comments

Evaluating the Social Impact of Fair for You

In December 2015, Fair for You Enterprise CIC launched with its initial offering of affordable, unsecured, loans to help people on low to middle incomes purchase essential household goods.  Fair for You Enterprise CIC is a Community Interest Company wholly owned by Fair for You Ltd, a registered charity which has as its aims: [...]

Using Insight and Innovation to Benefit Low Income Households

January 2016 Over the past forty years the well being of households and businesses has become increasingly dependent on their relationship with financial services. Financial services offer the potential to help manage fluctuations in income and expenditure, build resilience against future shocks, and provide the means for people to take advantage of opportunities. Yet [...]