/Our projects

Debt advisers get behind the call for a household debt jubilee

Debt advisers organised in the Manchester Money Advice Group have drawn up a statement in support of our call for a household debt Jubilee.  In a letter to The Guardian, twelve debt advisers have expressed their backing and we are now seeking more signatures to the statement (in full below). We will also be holding [...]

By | 2018-03-19T10:43:40+00:00 March 19th, 2018|Blog, Getting Britain Out of Debt|0 Comments

The true extent of Britain’s household debt crisis: why we need a Jubilee

The Centre for Responsible Credit ('CfRC') and Jubilee Debt Campaign have today called on the Government, the Bank of England and the Financial Conduct Authority to instigate a Household Debt Jubilee in order to release low income households from billions of ‘unjust’ consumer credit debt. In a joint briefing paper, to be launched at a [...]

By | 2018-03-06T17:15:20+00:00 March 6th, 2018|Blog, Getting Britain Out of Debt|0 Comments

Reshaping Financial Support – Local Authority Scoping Exercise

We are delighted to announce that CfRC has been commissioned by the Local Government Association to help scope out potential improvements to financial support for low income households, and suggest possible trials of new approaches in 2018/19. The research will involve working closely with up to ten local authorities between now and the end of [...]

Evaluating the Financial Health Fellowship Programme

The Centre for Responsible Credit is externally evaluating the Financial Health Fellowship Programme, which has been delivered over the past six months by the Finance Innovation Lab in partnership with Toynbee Hall.  Undertaking the evaluation has involved directly observing several activities, including monthly sessions, one of the leadership retreats, and the pitch practice and recent [...]

The decline of local welfare schemes in England

Local welfare provision in England is at risk of collapsing if Government does not urgently review its approach and step in with more funding for local authorities. A failure to act will create widespread destitution, and put even greater pressure on already over-stretched housing, health, and social care services. Those are the key messages from [...]

Improving Financial Health: new approaches and innovations

We've teamed up with the Financial Health Exchange at Toynbee Hall to deliver a fantastic new conference in London on 30th October. Too many households in Britain today are struggling with a combination of outstanding debt, low or no savings, and increasing pressure on incomes. Many are also finding it difficult to budget effectively due [...]

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 | 2016-12-15T13:35:34+00:00 August 19th, 2016|Blog, Getting Britain Out of Debt|1 Comment

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: [...]