Hamse Yusuf, Policy Research Intern, Consumer and Public Services

Since the FCA stepped in to regulate payday loans, an increasing number of people have been turning to rent to own shops and getting into problem debt as a result. Our new research looks into what is causing those problems. What is rent to own? Rent to own companies sell household electronic items through expensive…

Joe Lane, Policy Researcher

Unmanageable debt has an impact on beyond financial strain. It is closely related to poor mental health and can affect people’s attitudes, outlook, and behaviour.

Katy O’Malley, Senior Policy Researcher

Our analysis shows that almost one in ten households falls behind with an essential household bill over a twelve month period. People who claim benefits have low incomes, so it’s not surprising that 70% of those who are behind with a bill payment claim means-tested benefits. Since 2010 the welfare system has undergone significant reform….

Jake Beavan, Senior Policy Researcher

An increasing reliance on digital technology in our daily lives is taking us into uncharted territory – both in how our services are provided and who has access to information about us. As we click our way through our lives – shopping, banking, socialising – we leave a trail of information about our preferences and…

Katy O’Malley, Senior Policy Researcher

Exploring how self-employed people manage their finances and move in and out of debt

Joe Eddison, Partnership Intelligence Researcher

Tighter firm regulation is driving up lending standards, causing firms to adapt or leave, resulting in fewer issues for payday loan customers.

Joe Lane, Policy Researcher

This year marks a turning point in the story of debt in the UK. Since the financial crisis public policy debate has been dominated by discussion about government debt and the budget deficit. At the same time household debt, as a proportion of income, has been falling. New research from Citizens Advice shows that trend…

Pippa Lane, Senior Policy Researcher

Citizens Advice has seen a shift in the kind of debt people have now compared to five years ago.

Joe Lane, Policy Researcher

Guarantor loans are causing growing numbers of problems. Regulators need to step in to stop them becoming the next payday loans.

Hugh Stickland, Chief Economist

Our analysis covering four years of change on the issues that people need help, support and advice with through Citizens Advice.