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May 2016
Debt Statistics A consumer focus
3. Message from the Chair
4. About Debt Advice Foundation
5. At-a-glance
6. Overview
7. Age group
8. Gender
9. Region
10. Residential status
11. Employment status
12. Household demographics
13. Helpline outcomes
14. Appendix (data tables)
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
© Debt Advice Foundation 2016 Page 2
Contents
Dennis Benson OBEChair
Welcome to Debt Advice Foundation's May 2016 helpline statistics update.
With the amount of personal borrowing approaching the record levels seen
prior to the 2008 global economic recession, it's important that the debt
advice sector does everything it can to prepare itself for the inevitable surge
in demand for debt advice. One way we can do this is through research.
Research not only helps the charity understand and adapt to the ever
changing credit landscape and how service-users are impacted by those
changes but it also shapes and informs Government and regulatory policy
more broadly, both in the debt advice and related sectors.
Understanding how and why people call the charity's helpline, how they use
the information they are given and how effective that information is, allows
us to develop and improve our service for the benefit of future service-users.
The more research we have access to, the more likely we are to spot
emerging trends that may, for example, influence the way borrowers use
credit in the future and how we, both as a charity and as a sector more
broadly, might react to those changes. That is why we have developed this
monthly statistical resource.
Please feel free to get in touch if you have any questions or comments
regarding the charity's statistical releases.
© Debt Advice Foundation 2016 Page 3
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Message from the Chair
Page 4© Debt Advice Foundation 2016
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Debt Advice Foundation is a registered national debt advice and education charity in England and Wales (no. 1148498).
At the heart of the charity’s philosophy is the prevention and cure of unmanageable consumer debt.
Whilst our primary focus is on helping those that are in need of advice and support today, we strongly believe that improving
financial literacy amongst the next generation of credit users is key to tackling increasing levels of unmanageable consumer
debt in the UK.
The charity seeks to carry out these objectives through its free telephone debt counselling service, which helps over 10,000
people every year, and through DebtAware, the charity's award winning debt education programme for schoolchildren.
The charity holds the Advice Service Alliance’s Advice Quality Standard (AQS) and is listed by Money Advice Service as an
accredited, free provider of debt advice on its online debt advice locator page (the Money Advice Service is an independent
service set up by government to help people manage their money).
The charity is a member of AdviceUK, the UK’s largest support network for free, independent advice centres and all of the
charity's advisers are members of the Institute of Money Advisers (IMA), a charitable body that aims to promote free money
advice and develop professional standards.
The charity is also a registered supporter of the All-Party Parliamentary Group on Financial Education for Young People and
the All-Party Parliamentary Group on Debt and Personal Finance.
Debt Advice Foundation is authorised and regulated by the Financial Conduct Authority (no. 692492).
About Debt Advice Foundation
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
© Debt Advice Foundation 2016 Page 5
1. Overview
This section provides an overview of callers to the charity's helpline in May
2016. The dataset comprises completed advice cases only (this means cases
where a full financial assessment has taken place and a debt solution has
been recommended).
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
© Debt Advice Foundation 2016 Page 6
£2
1,2
35
£17
,059
£17
,74
6
£16
,99
0
£17
,18
3
£14
,04
8
£19
,612
£16
,14
8
£17
,317
£16
,375
£15
,04
8
£16
,08
0
6.22 6.37
6.12
6.80
6.07 6.20
6.75
6.97
6.33 6.30
6.08
6.31
5.6
5.8
6.0
6.2
6.4
6.6
6.8
7.0
7.2
£0
£5,000
£10,000
£15,000
£20,000
£25,000
Jun
15
Jul 1
5
Au
g 1
5
Sep
15
Oct
15
No
v 15
Dec
15
Jan
16
Feb
16
Mar
16
Ap
r 16
May
16
Nu
mb
er o
f cr
edit
ors
Un
secu
red
deb
t
Unsecured debt overview
Average unsecured debt 1 Average number of unsecured creditors
£7,
414
£
6,0
39
£6
,62
0
£5,
536
£4
,86
0
£5,
412
£
6,4
99
£4
,84
3
£1,
399
£
1,32
5
£1,
08
0
£13
3
£1,
107
£8
38
£9
97
£9
10
£0 £5,000 £10,000 £15,000 £20,000
May 16
Apr 16
12 month average
May 15
Unsecured debt
Unsecured debt by type (May 2016) Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment Council tax debt
Crown tax debt
Trade debt
c1.1 c1.2
c1.3
The charity's helpline advisers dealt with a total of £2,669,345 of unsecured debt in May 2016
at an average of £16,080 per case (full financial assessments).
£1,
705
£1,
64
4
£1,
633
£1,
701
£1,
540
£1,
503
£1,
46
7
£1,
541
19.5% 20.4% 22.3%
18.1%
0%
5%
10%
15%
20%
25%
£1,300
£1,350
£1,400
£1,450
£1,500
£1,550
£1,600
£1,650
£1,700
£1,750
May
15
12
mo
nth
av
erag
e
Ap
r 16
May
16
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 2 Impoverishment index 3
c1.4
2 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
3 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
21.
4%
19.5
%
19.5
% 23.
9%
7.1%
7.2
%
7.3%
3.4
% 7.
1%
3.6
%
1.2
%
2.3
%
0.0
%
8.4
%
4.9
% 8.0
%
0.0
% 3.
6%
3.7%
2.3
%
28
.6%
13.9
%
13.4
%
3.4
%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
May
15
12
mo
nth
av
erag
e
Ap
r 16
May
16
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
1.5
129
121
107
106
82%
87%
77%
79%
70%
72%
74%
76%
78%
80%
82%
84%
86%
88%
0
20
40
60
80
100
120
140
May
15
12
mo
nth
av
erag
e
Ap
r 16
May
16
Un
secu
red
deb
t-in
com
e ra
tio
Rep
aym
ent
term
(mo
nth
s)
Debt servicing (May 2016)
Average repayment term (months) 4 Unsecured debt to annual income ratio 5
1.6
4 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
5 Total amount of unsecured debt as a percentage of total annual net income.
1 Includes unsecured credit facilities such as credit cards, unsecured loans, short term (payday) loans, overdrafts, store cards and catalogue debts. Secured debts, such as mortgages, and priority arrears (for example rent and council tax debts) are not included.
34.3
%
15.7
%
14.5
%
9.0
%
6.6
%
4.2
%
3.6
%
1.8
%
2.4
%
2.4
%
0.6
%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
40.0%
£0
- £
500
0
£50
00
-
£10
00
0
£10
00
0 -
£15
00
0
£15
00
0 -
£
20
00
0
£2
00
00
-
£2
500
0
£2
500
0 -
£
300
00
£30
00
0 -
£
350
00
£35
00
0 -
£
40
00
0
£4
00
00
- £
450
00
£4
500
0 -
£
500
00
£50
00
0 -
£
550
00
Pe
rce
nta
ge
of
case
s
Total unsecured debt band
Unsecured debt profile (May 2016)
Page 7© Debt Advice Foundation 2016
This section provides an overview of callers to the helpline in May 2016,
broken down by age group.
2. Age group
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
£6
,36
4
£11
,88
8
£15
,511
£2
1,8
11
£18
,48
6
£30
,410
£0
£5,000
£10,000
£15,000
£20,000
£25,000
£30,000
£35,000
18-2
4
25-
34
35-4
4
45-
54
55-6
4
65+
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£1,
42
9 £
4,0
05
£7,
360
£11
,22
6 £
9,6
23 £
17,0
20
£3,
100
£4
,68
8
£3,
129
£5,
853
£6
,54
0 £
8,0
69
£0 £10,000 £20,000 £30,000 £40,000
18-24
25-34
35-44
45-54
55-64
65+
Unsecured debt
Unsecured debt by type (May 2016) Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment Council tax debt
11%
30%
20
%
24
%
10%
5.4
%
0.99
1.73
1.23 1.35
0.72
0.23
0.0 0.2 0.4 0.6 0.8 1.0 1.2 1.4 1.6 1.8 2.0
0%
5%
10%
15%
20%
25%
30%
35%
18-2
4
25-
34
35-4
4
45-
54
55-6
4
65+
Po
pu
lati
on
wei
gh
tin
g in
dex
1
Per
cen
tag
e o
f ca
ses
Case weighting (May 2016)
Case weighting (May 2016) Regional contact population weighting index 1
c2.1 c2.2
c2.3
The age group with the highest average unsecured debt in May
2016 was the 65+ age group (£30,410).The age group with the highest helpline engagement was
the 25-34 age group, which was 73% more likely to call the helpline
than the UK average.
£1,
06
0
£1,
734
£1,
90
9
£1,
932
£1,
552
£1,
304
£8
21
£1,
569
£1,
80
1
£1,
788
£1,
377
£1,
09
0 5.6%
16.3%
21.2% 22.5%
29.4%
0.0%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
35.0%
£0
£500
£1,000
£1,500
£2,000
£2,500
18-2
4
25-
34
35-4
4
45-
54
55-6
4
65+
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 2 Impoverishment index 3
c2.4
2 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
3 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
33%
4%
37%
32%
25%
29
%
4%
5%
13%
4%
5% 8
%
5%
5%
25%
14%
9%
17%
4%
13%
0%
5%
10%
15%
20%
25%
30%
35%
40%
18-2
4
25-
34
35-4
4
45-
54
55-6
4
65+
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c2.5
27
72
143
152
105
142
50% 57% 68%
94% 99%
194%
0%
50%
100%
150%
200%
250%
0
20
40
60
80
100
120
140
160
18-2
4
25-
34
35-4
4
45-
54
55-6
4
65+
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 4 Unsecured debt to annual income ratio 5
c2.6
1 The population weighting index is calculated by dividing the number of helpline contacts by the latest ONS population estimate for each age -group and comparing it to the UK average. This statistic provides a more useful relative measure of age -group helpline engagement by removing age-group population bias.
4 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
5 Total amount of unsecured debt as a percentage of total annual net income.
Page 8© Debt Advice Foundation 2016
This section provides an overview of callers to the helpline in May 2016,
broken down by gender.
3. Gender
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
£16
,48
4
£15
,40
7
£14,800
£15,000
£15,200
£15,400
£15,600
£15,800
£16,000
£16,200
£16,400
£16,600
Mal
e
Fem
ale
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£7,
96
1 £
6,6
66
£5,
151
£4
,80
4
£0 £5,000 £10,000 £15,000 £20,000
Male
Female
Average debt
Unsecured debt by type (May 2016) Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment Council tax debt
Crown tax debt
51%
49
%
49% 49% 49% 49% 49% 50% 50% 50% 50% 50% 51% 51%
Mal
e
Fem
ale
Per
cen
tag
e o
f ca
ses
(mai
n c
lien
t)
Case weighting (May 2016) c3.1 c3.2
c3.3
Males had the highest average amount of debt in
May 2016 (£16,484).The highest weighting of callers to the helpline in the period
was males (51%).
£1,
615
£1,
736
£1,
399
£1,
634
11.0%
25.0%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
£0
£500
£1,000
£1,500
£2,000
Mal
e
Fem
ale
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 1 Impoverishment index 2
c3.4
1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
28
%
19%
6%
5% 8
%
8%
2%
3%
4%
3%
0%
5%
10%
15%
20%
25%
30%
Mal
e
Fem
ale
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c3.5
76
150
85%
74%
68%
70%
72%
74%
76%
78%
80%
82%
84%
86%
0
20
40
60
80
100
120
140
160
Mal
e
Fem
ale
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 3 Unsecured debt to annual income ratio 4
c3.6
3 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
4 Total amount of unsecured debt as a percentage of total annual net income.
4. Region
This section provides an overview of callers to the helpline in May 2016,
broken down by region.
© Debt Advice Foundation 2016 Page 9
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
£18
,14
8
£14
,82
6
£12
,632
£16
,82
7
£14
,48
5
£7,
850
£19
,618
£17
,92
7
£2
0,3
93
£11
,52
2
£16
,02
9
£18
,72
5
£0
£5,000
£10,000
£15,000
£20,000
£25,000
Eas
t M
idla
nd
s
Eas
t o
f E
ng
lan
d
Lo
nd
on
No
rth
Eas
t
No
rth
Wes
t
No
rth
ern
Irel
and
Sco
tlan
d
So
uth
Eas
t
So
uth
Wes
t
Wal
es
Wes
t M
idla
nd
s
Yo
rksh
ire
and
th
e H
um
ber
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£0 £10,000 £20,000 £30,000
East Midlands
East of England
London
North East
North West
Northern Ireland
Scotland
South East
South West
Wales
West Midlands
Yorkshire and …
Unsecured debt
Unsecured debt by type (May 2016) Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment
Council tax debt
Crown tax debt
Trade debt
8%
5%
18%
3%
12%
1%
3%
18%
9%
2%
10%
8%
1.17
0.58
1.36
0.75
1.09
0.21 0.37
1.32
1.08
0.51
1.09 1.02
0.0
0.2
0.4
0.6
0.8
1.0
1.2
1.4
1.6
0% 2% 4% 6% 8%
10% 12% 14% 16% 18% 20%
Eas
t M
idla
nd
s
Eas
t o
f E
ng
lan
d
Lo
nd
on
No
rth
Eas
t
No
rth
Wes
t
No
rth
ern
Irel
and
Sco
tlan
d
So
uth
Eas
t
So
uth
Wes
t
Wal
es
Wes
t M
idla
nd
s
Yo
rksh
ire
and
th
e H
um
ber
Po
pu
lati
on
wei
gh
tin
g in
dex
1
Per
cen
tag
e o
f ca
ses
Case weighting (May 2016)
Case weighting (May 2016) Regional contact population weighting index 1
c4.1 c4.2
c4.3
The region with the highest average unsecured debt in May
2016 was South West (£20,393).The region with the highest helpline engagement was London which was 36%
more likely to call the helpline than the UK average.
£1,
975
£2
,26
9
£1,
505
£1,
188
£1,
49
7
£1,
175 £1,
98
7
£1,
82
9
£1,
787
£1,
582
£1,
49
5
£1,
88
5
£1,
756
£2
,053
£1,
393
£1,
076
£1,
326
£1,
02
3 £1,
86
3
£1,
749
£1,
578
£1,
500
£1,
273
£1,
62
3 14.3%
44.4%
20.0% 20.0%
10.0%
0.0%
20.0% 23.3%
6.7%
25.0%
18.8%
7.1%
0%
10%
20%
30%
40%
50%
£0
£500
£1,000
£1,500
£2,000
£2,500
Eas
t M
idla
nd
s
Eas
t o
f E
ng
lan
d
Lo
nd
on
No
rth
Eas
t
No
rth
Wes
t
No
rth
ern
Irel
and
Sco
tlan
d
So
uth
Eas
t
So
uth
Wes
t
Wal
es
Wes
t M
idla
nd
s
Yo
rksh
ire
and
th
e H
um
ber
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 2 Iimpoverishment index 3
c4.4
2 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
3 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
25%
25%
24
%
50%
33%
29
%
14%
25%
13%
5%
14%
5%
14%
5%
25%
17%
33%
25%
5%
17%
13%
50%
0%
10%
20%
30%
40%
50%
60%
Eas
t M
idla
nd
s
Eas
t o
f E
ng
lan
d
Lo
nd
on
No
rth
Eas
t
No
rth
Wes
t
No
rth
ern
Irel
and
Sco
tlan
d
So
uth
Eas
t
So
uth
Wes
t
Wal
es
Wes
t M
idla
nd
s
Yo
rksh
ire
and
…
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c4.5
83
69
112
150
85
51
158
22
2
97
142
72
72
77%
54%
70%
118%
81%
56%
82% 82%
95%
61%
89% 83%
0%
20%
40%
60%
80%
100%
120%
140%
0
50
100
150
200
250
Eas
t M
idla
nd
s
Eas
t o
f E
ng
lan
d
Lo
nd
on
No
rth
Eas
t
No
rth
Wes
t
No
rth
ern
Irel
and
Sco
tlan
d
So
uth
Eas
t
So
uth
Wes
t
Wal
es
Wes
t M
idla
nd
s
Yo
rksh
ire
and
…
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 4 Unsecured debt to annual income ratio 5
c4.6
4 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
5 Total amount of unsecured debt as a percentage of total annual net income.
1 The population weighting index is calculated by dividing the number of helpline contacts by the latest ONS population estimate for each region and comparing it to the UK average. This statistic provides a more useful relative measure of regional helpline engagement by removing regional population bias.
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
5. Residential status
This section provides an overview of callers to the helpline in May 2016,
broken down by residential status.
© Debt Advice Foundation 2016 Page 10
£9
,04
2
£32
,09
9
£4
,00
0
£12
,89
6
£0
£5,000
£10,000
£15,000
£20,000
£25,000
£30,000
£35,000
Living with Parents
Homeowner Unknown Tenant
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£2
,98
7
£17
,012
£0
£5,
534
£
4,3
47
£8
,62
4
£0
£3,
98
4
£0 £10,000 £20,000 £30,000 £40,000
Living with Parents
Homeowner
Unknown
Tenant
Unsecured debt
Unsecured debt by type (May 2016)
Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment
Council tax debt
Crown tax debt
Trade debt
9%
19%
1%
72%
0%
10%
20%
30%
40%
50%
60%
70%
80%
Living with Parents
Homeowner Unknown Tenant
Per
cen
tag
e o
f ca
ses
Case weighting (May 2016) c5.1 c5.2
c5.3
£1,
06
8
£2
,39
2
£0
£1,
616
£6
93
£2
,077
£10
5
£1,
521
0.0% 9.7%
100.0%
21.8%
0.0%
20.0%
40.0%
60.0%
80.0%
100.0%
120.0%
£0
£500
£1,000
£1,500
£2,000
£2,500
£3,000
Living with Parents
Homeowner Unknown Tenant Im
po
veri
shm
ent
ind
ex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 1 Impoverishment index 2
c5.4
1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
33%
25%
23%
11%
6%
2%
6%
2%
6%
10%
3%
5%
0%
5%
10%
15%
20%
25%
30%
35%
Living with Parents
Homeowner Unknown Tenant
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c5.5
24
102
Neg
DI,
can
't r
epay
135
50% 57%
68%
94%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
0
20
40
60
80
100
120
140
160
Living with Parents
Homeowner Unknown Tenant
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 3 Unsecured debt to annual income ratio 4
c5.6
3 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
4 Total amount of unsecured debt as a percentage of total annual net income.
Homeowner was the group with the highest average
unsecured debt (£32,099) in May 2016. Tenant was the most likely group to call the
charity for advice (72%).
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
6. Employment status
This section provides an overview of callers to the helpline in May 2016,
broken down by employment status.
© Debt Advice Foundation 2016 Page 11
£18
,98
6
£12
,36
6
£18
,66
6
£11
,850
£8
,12
5
£11
,213
£2
8,9
46
£0
£5,000
£10,000
£15,000
£20,000
£25,000
£30,000
£35,000
Full-
tim
e em
plo
ymen
t
Par
t-ti
me
emp
loym
ent
Sel
f-em
plo
yed
Full-
tim
e ed
uca
tio
n
Un
emp
loye
d
(Oth
er)
Un
em
plo
yed
(J
SA
)
Ret
ired
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£0 £10,000 £20,000 £30,000 £40,000
Full-time employment
Part-time employment
Self-employed
Full-time education
Unemployed (Other)
Unemployed (JSA)
Retired
Unsecured debt
Unsecured debt by type (May 2016)
Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment
Council tax debt
Crown tax debt
Trade debt
45%
14%
12%
1%
17%
7%
5%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
Full-
tim
e em
plo
ymen
t
Par
t-ti
me
emp
loym
ent
Sel
f-em
plo
yed
Full-
tim
e ed
uca
tio
n
Un
emp
loye
d
(Oth
er)
Un
emp
loye
d
(JS
A)
Ret
ired
Per
cen
tag
e o
f ca
ses
Case weighting (May 2016) c6.1 c6.2
c6.3
Retired was the group with the highest average
unsecured debt (£28,946) in May 2016. Full-time
employment was the most likely group to call us for
advice (45%).
£1,
958
£1,
777
£1,
815
£2
,133
£1,
348
£9
26
£1,
073
£1,
655
£1,
703
£1,
712
£1,
84
7
£1,
352
£1,
017
£9
22
5.4%
29.2% 30.0%
0.0%
28.6%
45.5%
0.0%
0.0%
10.0%
20.0%
30.0%
40.0%
50.0%
£0
£500
£1,000
£1,500
£2,000
£2,500
Full-
tim
e em
plo
ymen
t
Par
t-ti
me
em
plo
ymen
t
Sel
f-em
plo
yed
Full-
tim
e ed
uca
tio
n
Un
emp
loye
d
(Oth
er)
Un
emp
loye
d
(JS
A)
Ret
ired
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 1 Impoverishment index 2
c6.4
1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
17%
20
%
18%
18%
86
%
33%
5%
17%
2%
10%
2%
20
%
9%
18%
17%
2%
14%
5%
9%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
Fu
ll-ti
me
emp
loym
ent
Par
t-ti
me
emp
loym
ent
Sel
f-em
plo
yed
Fu
ll-ti
me
edu
cati
on
Un
emp
loye
d
(Oth
er)
Un
emp
loye
d
(JS
A)
Ret
ired
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c6.5
63
167
182
41
Neg
DI,
can
't r
epay
Neg
DI,
can
't r
epay
191
50% 57% 68%
94% 99%
194%
0%
0%
50%
100%
150%
200%
250%
0
50
100
150
200
250
Fu
ll-ti
me
emp
loym
ent
Par
t-ti
me
emp
loym
ent
Sel
f-em
plo
yed
Full-
tim
e ed
uca
tio
n
Un
emp
loye
d
(Oth
er)
Un
emp
loye
d
(JS
A)
Ret
ired
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 3 Unsecured debt to annual income ratio 4
c6.6
3 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
4 Total amount of unsecured debt as a percentage of total annual net income.
7. Household demographics
This section provides an overview of callers to the helpline in May 2016,
broken down by household demographics.
© Debt Advice Foundation 2016 Page 12
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
£11
,19
5
£11
,315
£12
,59
2
£0
£2
7,2
46
£2
3,9
19
£18
,48
0
£2
7,0
56
£0
£5,000
£10,000
£15,000
£20,000
£25,000
£30,000
1 ad
ult
& 0
d
epe
nd
ants
1 ad
ult
& 1
d
epe
nd
ant
1 ad
ult
& 2
d
epe
nd
ants
1 ad
ult
& 3
+
de
pe
nd
ants
2 a
du
lts
& 0
d
epe
nd
ants
2 a
du
lts
& 1
d
epen
dan
t
2 a
du
lts
& 2
d
epe
nd
ants
2 a
du
lts
& 3
+
de
pe
nd
ants
Un
secu
red
deb
t
Average unsecured debt (May 2016)
£0 £5,000 £10,000 £15,000 £20,000 £25,000 £30,000
1 adult/0 dependants
1 adult/1 dependant
1 adult/2 dependants
1 adult/3+ dependants
2 adults/0 dependants
2 adults/1 dependant
2 adults/2 dependants
2 adults/3+ dependants
Unsecured debt
Unsecured debt by type (May 2016) Credit card
Unsecured loan
Other debts
Overdraft
Store card
Short term loan
Utility debt
Benefit overpayment Council tax debt
40
%
17%
7%
0%
13%
10%
8%
5%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
1 ad
ult
& 0
d
ep
en
dan
ts
1 ad
ult
& 1
d
epe
nd
ant
1 ad
ult
& 2
d
epe
nd
ants
1 ad
ult
& 3
+
dep
en
dan
ts
2 a
du
lts
& 0
d
ep
en
dan
ts
2 a
du
lts
& 1
d
epe
nd
ant
2 a
du
lts
& 2
d
epe
nd
ants
2 a
du
lts
& 3
+
dep
en
dan
ts
Per
cen
tag
e o
f ca
ses
Case weighting (May 2016) c7.1 c7.2
c7.3
2 adults & 0 dependants was the group with the highest
average unsecured debt (£27,246) in May 2016. 1 adult & 0 dependants was the most
likely group to call us for advice (40%).
£1,
09
4
£1,
40
9
£1,
534
£0
£2
,32
5
£2
,317
£2
,812
£3,
06
6
£9
42
£1,
350
£1,
500
£0
£2
,04
2
£2
,151
£2
,52
7
£2
,84
1
19.7%
28.6%
16.7%
0.0%
14.3% 11.8%
0.0%
22.2%
0.0%
5.0%
10.0%
15.0%
20.0%
25.0%
30.0%
£0
£500
£1,000
£1,500
£2,000
£2,500
£3,000
£3,500
1 ad
ult
/0
dep
end
ants
1 ad
ult
/1
de
pe
nd
ant
1 ad
ult
/2
dep
end
ants
1 ad
ult
/3+
d
epen
dan
ts
2 a
du
lts/
0
dep
end
ants
2 a
du
lts/
1 d
ep
en
dan
t
2 a
du
lts/
2
dep
end
ants
2 a
du
lts/
3+
dep
end
ants
Imp
ove
rish
men
t in
dex
Mo
nth
ly a
mo
un
t (£
)
Client financial profile (May 2016)
Net monthly household income Monthly household expenditure 1 Impoverishment index 2
c7.4
1 Monthly household expenditure does not include contractual unsecured debt repayments but does include priority arrears payments.
2 The percentage of cases that have a negative disposable income and are unable to meet the existing essential household expenditure.
29
%
29
%
22
%
21%
25%
3%
7%
20
%
7%
20
%
15%
7%
7%
7%
25%
6%
11%
0%
5%
10%
15%
20%
25%
30%
35%
1 ad
ult
/0
dep
end
ants
1 ad
ult
/1
dep
en
dan
t
1 ad
ult
/2
dep
end
ants
1 ad
ult
/3+
d
epen
dan
ts
2 a
du
lts/
0
dep
end
ants
2 a
du
lts/
1 d
epe
nd
ant
2 a
du
lts/
2
dep
end
ants
2 a
du
lts/
3+
dep
end
ants
Specified cause of financial impairment (May 2016)
Loss of job
Reduced working hours
Pregnancy
Illness
Divorce
Separation
c7.5
74
191
380
0
96
144
65
120
50% 57% 68%
94% 99%
194%
0%
0%
0%
50%
100%
150%
200%
250%
0
50
100
150
200
250
300
350
400
1 ad
ult
/0
dep
end
ants
1 ad
ult
/1
dep
en
dan
t
1 ad
ult
/2
dep
end
ants
1 ad
ult
/3+
d
epen
dan
ts
2 a
du
lts/
0
dep
end
ants
2 a
du
lts/
1 d
epe
nd
ant
2 a
du
lts/
2
dep
end
ants
2 a
du
lts/
3+
dep
end
ants
Per
cen
tag
e o
f ca
ses
Nu
mb
er o
f m
on
ths
Debt servicing (May 2016)
Average repayment term (months) 3 Unsecured debt to annual income ratio 4
c7.6
3 Average number of months to repay the total value of unsecured liabilities in full based on the available disposable income (after monthly essential household expenditure) assuming interest and charges are stopped.
4 Total amount of unsecured debt as a percentage of total annual net income.
Page 13
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
8. Helpline outcomes
This section provides an overview of helpline activity in May 2016, including
the types of enquiries dealt with as well as the recommendations made by
the charity's advisers.
© Debt Advice Foundation 2016
32%
23%
18%
23%
19%
24
%
28
%
27%
19%
28
%
25%
22
%
12%
12%
12%
13%
12%
15%
8%
8%
14%
11%
16%
13%
17%
19%
21%
26
%
26
% 29
%
27%
26
%
23%
27%
27%
22
%
15%
18%
19%
16%
17%
17%
15%
15%
20
%
14%
15%
20
%
14%
16%
20
%
14%
16%
7%
11%
13%
15%
13%
9%
14%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Jun
15
Jul 1
5
Au
g 1
5
Sep
15
Oct
15
No
v 15
Dec
15
Jan
16
Feb
16
Mar
16
Ap
r 16
May
16
Financial assessment outcomes 4
Budgeting advice
Other
Individual Voluntary Arrangement/Trust Deed
Debt Relief Order
Informal Arrangement 5
Debt Arrangement Scheme
Bankruptcy
42
%
39%
37%
42
%
36%
34%
32%
32%
33%
32%
32%
32%
58%
61%
63%
58%
64
%
66
%
68
%
68
%
67%
68
%
68
%
68
%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
100%
Jun
15
Jul 1
5
Au
g 1
5
Sep
15
Oct
15
No
v 15
Dec
15
Jan
16
Feb
16
Mar
16
Ap
r 16
May
16
Case outcome analysis
Financial assessment outcomes 2 Non-financial assessment outcomes 3
8.1 8.2
42% of callers to the charity's helpline required a full
financial assessment by a helpline adviser whilst 58% required assistance with a specific debt-related issue.
20%
18%
21%
22%
21%
24%
23%
17%
25%
24%
22%
25%
9%
8%
5%
7%
8%
10%
12%
11%
7%
9%
8%
9%
10%
11%
10%
8%
8%
9%
15%
11%
8%
9%
12%
9%
11%
11%
13%
9%
11%
6%
11%
11%
10%
11%
11%
10%
9%
9%
6%
8%
10%
11%
7%
13%
9%
9%
10%
11%
18%
17%
23%
24%
18%
16%
12%
18%
15%
15%
14%
14%
0% 50% 100%
May 16 Apr 16 Mar 16 Feb 16 Jan 16 Dec 15 Nov 15 Oct 15 Sep 15 Aug 15
Jul 15 Jun 15
Non-financial assessment outcomes
3rd party call
Bailiff assistance
Benefits
Council Tax
Credit rating
Current insolvency case
Disputed liability
Housing assistance
Legal
Mortgage
Other
8.4
2 Cases that required a full financial assessment and managed solution intervention (see 8.2)
3 Cases that did not require a full financial assessment, for example, a specific question relating to a point of law (see 8.3).
4 Advice recommendations made to the client following f inancial assessment and explanation of the available options (this may differ to the advice chosen by the client).
5 Informal arrangements can be managed interventions with a fairshare provider or a self managed programme via Money Advice Trust's Cashflow.
Financial assessment
outcomes (32)
Non-financial assessment
outcomes (68)
Outcome map (per 100 cases in May 2016)
Ban
kru
ptc
y (1
0)
DR
O (
6)
IVA
/Tru
st D
eed
(5)
Bu
dg
eti
ng
ad
vice
(5)
In
form
al A
rran
ge
me
nt
(4)
Oth
er (3
)
3rd
par
ty c
all (
14)
Cu
rren
t in
solv
ency
cas
e (8
)
Ben
efit
s (7
)
Bai
liff
assi
stan
ce (
6)
Leg
al (6
)
Dis
pu
ted
liab
ility
(6
)
Oth
er
(21)
En
qu
iry
Ou
tco
me
8.3
22%
3%
13% 45%
22%
13%
20%
23%
14% 13%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Advice recommended by adviser
Advice chosen by client
Advice take-up (May 2016)
Budgeting advice
Other
Individual Voluntary Arrangement/Trust Deed
Debt Relief Order
Informal Arrangement
Debt Arrangement Scheme
Bankruptcy
8.5
6 Following a full financial assessment, each client is provided with a recommended course of action along with a comprehensive breakdown of each solution they legally have access to in order that they are able to make an informed choice.
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Weekly call density map (May 2016) 7
0.0%-1.0% 1.0%-2.0% 2.0%-3.0% 3.0%-4.0%
8.6
7 The density map charts when calls to the charity's helpline were received during the month. The more calls the charity received on a given weekday and hour during the month, the higher the corresponding density value.
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
8%
0% 4% 4% 2%
7% 7% 7% 3%
7% 4% 1% 2%
Unsecured debt to annual income
ratio82% 87% 77% 79%
May 16
Average repayment term (months) 129 121 107 106
Other
T1.6 - Debt servicing (May 2016) May 1512 month
averageApr 16
Reduced working hours
Pregnancy
Illness
Divorce
Separation 29% 14% 13% 3%
36% 44% 50% 57%
0% 8% 5%
Loss of job 21% 20% 20% 24%
T1.5 - Specified cause of financial
impairment (May 2016)May 15
12 month
averageApr 16 May 16
£1,701
£1,503 £1,467 £1,541
£0 £0 £0
Net monthly household income
Monthly household expenditure
Impoverishment index
£1,705
£1,540
£0
£1,644 £1,633
T1.4 - Client financial profile (May
2016)May 15
12 month
averageApr 16 May 16
Trade debt £7£0£152£139
Crown tax debt £291£44£359£27
Council tax debt £324£312£212£75
Benefit overpayment £299£180£213£202
Utility debt £291£190£294£231
Short term loan £297£287£270£168
Store card £403£577£598£544
£16,148
6.756.206.076.806.12
Overdraft £1,107£838£997£910
Other debts £1,399£1,325£1,080£133
Unsecured loan £4,860£5,412£6,499£4,843
12 month
averageMay 15
Credit card £7,414£6,039£6,620£5,536
Apr 16Mar 16Feb 16Jan 16
£30000 -
£35000
£25000 -
£30000
£20000 -
£25000
£15000 -
£20000
£10000 -
£15000
34.3%Category weighting
T1.3 - Unsecured debt by type (May
2016)*May 16Apr 16
4.2%6.6%9.0%14.5%15.7% 0.6%2.4%2.4%1.8%3.6%
£19,612£14,048£17,183£16,990£17,746
£5000 -
£10000£0 - £5000
T1.2 - Unsecured debt profile (May
2016)
T1.1 - Unsecured debt overview
Average unsecured debt
Average number of unsecured
creditors
Jul 15Jun 15
6.376.22
£17,059£21,235
6.316.086.306.336.97
Dec 15Nov 15Oct 15Sep 15Aug 15 May 16
© Debt Advice Foundation 2016 Page 14
Appendix (data tables)
£50000 -
£55000
£45000 -
£50000
£40000 -
£45000
£35000 -
£40000
£16,080£15,048£16,375£17,317
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
55-64 65+
105 142
99% 194%
0.0% 0.0%
29.4% 0.0%
29.4% 0.0%
© Debt Advice Foundation 2016 Page 15
21.2% 22.5%
Impoverishment index 5.6% 16.3% 21.2% 22.5%
Divorce 0.0% 0.0%
£0
£2,296
£679 £2,367
£360 £699
12.5% 0.0%
0.0% 0.0%
25.0% 14.3%
29.4% 0.0%
55-64 65+
25.0% 28.6%
55-64 65+
£1,552 £1,304
£1,377 £1,090
£6,540 £8,069
£1,121
Unsecured debt to annual income
ratio50% 57% 68% 94%
Average repayment term (months) 27 72 143 152
T2.6 - Debt servicing (age group) 18-24 25-34 35-44 45-54
Impoverishment index 5.6% 16.3%
£115 £0
£56 £0
£0 £0
£0 £0
£211 £0
£361
0.0% 9.1%
Illness 0.0% 7.7% 5.3% 4.5%
Pregnancy 0.0% 3.8% 0.0% 4.5%
Reduced working hours 0.0% 3.8% 5.3% 0.0%
Loss of job 33.3% 3.8% 36.8% 31.8%
T2.5 - Cause of financial impairment
(age group)18-24 25-34 35-44 45-54
Impoverishment index 5.6% 16.3% 21.2% 22.5%
Monthly household expenditure £821 £1,569 £1,801 £1,788
Net monthly household income £1,060 £1,734 £1,909 £1,932
T2.4 - Client financial profile (age
group)18-24 25-34 35-44 45-54
Trade debt £0 £0 £36 £0
Crown tax debt £0 £29 £158 £1,017
Council tax debt £129 £408 £221 £555
Benefit overpayment £8 £196 £872 £125
Utility debt £94 £467 £440 £140
Short term loan £713 £552 £229 £48
Store card £102 £367 £619 £357
Overdraft £620 £804 £937 £1,735
Other debts £426 £1,361 £1,796 £1,473
Unsecured loan £3,100 £4,688 £3,129 £5,853
35-44 45-54 55-64 65+
Credit card £1,429 £4,005 £7,360 £11,226
T2.3 - Average debt by type (age
group)*18-24 25-34 35-44 45-54
Case weighting (May 2016) 10.8% 29.5% 19.9% 24.1% 10.2% 5.4%
Regional contact population
weighting index98.8% 172.7% 123.0% 134.8% 71.7% 23.0%
55-64 65+
£9,623 £17,020
55-64 65+T2.2 - Case weighting (age group) 18-24 25-34 35-44 45-54
£18,486 £30,410Average unsecured debt (May 2016) £6,364 £11,888 £15,511 £21,811
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T2.1 - Average unsecured debt (age
group)18-24 25-34
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
© Debt Advice Foundation 2016 Page 16
Unsecured debt to annual income
ratio85% 74%
Average repayment term (months) 76 150
T3.6 - Debt servicing (gender) Male Female
Impoverishment index 5.6% 16.3%
Impoverishment index 5.6% 16.3%
Divorce 2.0% 2.7%
Illness 8.0% 8.1%
Pregnancy 0.0% 5.4%
Reduced working hours 6.0% 0.0%
Loss of job 28.0% 18.9%
T3.5 - Cause of financial impairment
(gender)Male Female
Impoverishment index 5.6% 16.3%
Monthly household expenditure £1,399 £1,634
Net monthly household income £1,615 £1,736
T3.4 - Client financial profile (gender) Male Female
Trade debt £14 £0
Crown tax debt £244 £336
Council tax debt £279 £386
Benefit overpayment £116 £224
Utility debt £125 £408
Short term loan £451 £130
Store card £217 £585
Overdraft £1,400 £777
Other debts £1,081 £1,788
Unsecured loan £5,151 £4,804
Credit card £7,961 £6,666
T3.3 - Average debt by type (gender)* Male Female
Case weighting (May 2016) 50.6% 49.4%
T3.2 - Case weighting (gender) Male Female
Average unsecured debt (May 2016) £16,484 £15,407
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T3.1 - Average unsecured debt
(gender)Male Female
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
72
82% 82% 95% 61% 89% 83%
158 222 97 142 72
0.0%
Scotland South East South West WalesWest
Midlands
Yorkshire
and the
Humber
0.0% 0.0% 0.0% 0.0% 0.0%
0.0%
0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
0.0% 0.0% 16.7% 0.0% 0.0%
0.0%
0.0% 0.0% 33.3% 0.0% 0.0% 25.0%
0.0% 0.0% 0.0% 0.0% 14.3%
25.0%
0.0% 0.0% 0.0% 0.0% 14.3% 0.0%
0.0% 29.4% 0.0% 0.0% 14.3%
0.0%
Scotland South East South West WalesWest
Midlands
Yorkshire
and the
Humber
0.0% 0.0% 0.0% 0.0% 0.0%
£1,885
£1,863 £1,749 £1,578 £1,500 £1,273 £1,623
£1,987 £1,829 £1,787 £1,582 £1,495
£0
Scotland South East South West WalesWest
Midlands
Yorkshire
and the
Humber
£0 £0 £79 £0 £0
£90
£0 £155 £0 £263 £386 £0
£363 £332 £325 £50 £332
£127
£0 £765 £134 £0 £303 £0
£32 £268 £195 £413 £456
£750
£274 £264 £119 £0 £414 £277
£0 £250 £55 £338 £676
£1,892
£610 £1,630 £1,005 £500 £830 £883
£3,757 £1,725 £1,848 £3,148 £947
£9,101
£5,481 £6,198 £9,264 £325 £4,414 £6,170
£9,437 £7,471 £8,176 £6,787 £7,906
101.9%
Scotland South East South West WalesWest
Midlands
Yorkshire
and the
Humber
36.5% 131.5% 107.5% 50.6% 109.1%
Yorkshire
and the
Humber
3.0% 18.1% 9.0% 2.4% 9.6% 8.4%
Scotland South East South West WalesWest
Midlands
81% 56%
© Debt Advice Foundation 2016 Page 17
Scotland South East South West WalesWest
Midlands
Yorkshire
and the
Humber
£19,618 £17,927 £20,393 £11,522 £16,029 £18,725
Unsecured debt to annual income
ratio77% 54% 70% 118%
North WestNorthern
Ireland
Average repayment term (months) 83 69 112 150 85 51
T4.6 - Debt servicing (region)East
Midlands
East of
EnglandLondon North East
29.4% 0.0%
Impoverishment index 5.6% 16.3% 21.2% 22.5% 29.4% 0.0%
Impoverishment index 5.6% 16.3% 21.2% 22.5%
16.7% 0.0%
Divorce 0.0% 0.0% 4.8% 0.0% 0.0% 0.0%
Illness 0.0% 0.0% 4.8% 25.0%
0.0% 0.0%
Pregnancy 0.0% 0.0% 4.8% 0.0% 0.0% 0.0%
Reduced working hours 12.5% 0.0% 4.8% 0.0%
North WestNorthern
Ireland
Loss of job 25.0% 25.0% 23.8% 50.0% 33.3% 0.0%
T4.5 - Cause of financial impairment
(region)
East
Midlands
East of
EnglandLondon North East
£1,326 £1,023
Impoverishment index 5.6% 16.3% 21.2% 22.5% 29.4% 0.0%
Monthly household expenditure £1,756 £2,053 £1,393 £1,076
North WestNorthern
Ireland
Net monthly household income £1,975 £2,269 £1,505 £1,188 £1,497 £1,175
T4.4 - Client financial profile (region)East
Midlands
East of
EnglandLondon North East
£894 £0
Trade debt £0 £0 £0 £0 £0 £0
Crown tax debt £0 £2,044 £3 £0
£57 £0
Council tax debt £310 £1,220 £230 £0 £394 £0
Benefit overpayment £107 £989 £276 £0
£762 £0
Utility debt £180 £804 £301 £0 £382 £0
Short term loan £471 £473 £55 £0
£1,331 £250
Store card £704 £974 £91 £468 £542 £400
Overdraft £660 £612 £1,524 £342
£4,755 £0
Other debts £1,778 £670 £978 £0 £944 £0
Unsecured loan £8,499 £56 £1,730 £5,916
North WestNorthern
Ireland
Credit card £5,627 £7,892 £7,892 £10,101 £4,915 £7,200
T4.3 - Average debt by type (region)*East
Midlands
East of
EnglandLondon North East
12.0% 0.6%
Regional contact population
weighting index117.4% 58.1% 135.7% 74.7% 109.3% 21.2%
Case weighting (May 2016) 8.4% 5.4% 18.1% 3.0%
£14,485 £7,850
T4.2 - Case weighting (region)East
Midlands
East of
EnglandLondon North East North West
Northern
Ireland
Average unsecured debt (May 2016) £18,148 £14,826 £12,632 £16,827
Appendix (data tables)
T4.1 - Average unsecured debt
(region)
East
Midlands
East of
EnglandLondon North East North West
Northern
Ireland
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
Unknown Tenant
Neg DI,
can't repay135
68% 94%
0.0% 3.2%
21.2% 22.5%
21.2% 22.5%
0.0% 1.6%
0.0% 1.6%
0.0% 9.7%
21.2% 22.5%
Unknown Tenant
0.0% 22.6%
Unknown Tenant
£0 £1,616
£105 £1,521
£0 £423
£0 £65
£0 £10
£0 £275
£0 £384
£0 £353
£0 £1,485
£4,000 £746
£0 £364
© Debt Advice Foundation 2016 Page 18
Unknown Tenant
£4,000 £12,896
Unknown Tenant
0.6% 71.7%
Unknown Tenant
£0 £5,534
£0 £3,984
Average repayment term (months) 24 102
Unsecured debt to annual income
ratio50% 57%
Impoverishment index 5.6% 16.3%
T5.6 - Debt servicing (housing status)Living with
ParentsHomeowner
Divorce 0.0% 0.0%
Impoverishment index 5.6% 16.3%
Pregnancy 0.0% 6.3%
Illness 0.0% 6.3%
Loss of job 33.3% 25.0%
Reduced working hours 11.1% 6.3%
Impoverishment index 5.6% 16.3%
T5.5 - Cause of financial impairment
(housing status)
Living with
ParentsHomeowner
Net monthly household income £1,068 £2,392
Monthly household expenditure £693 £2,077
Trade debt £0 £0
T5.4 - Client financial profile (housing
status)
Living with
ParentsHomeowner
Council tax debt £0 £110
Crown tax debt £0 £1,305
Utility debt £0 £85
Benefit overpayment £10 £243
Store card £242 £646
Short term loan £942 £80
Other debts £225 £1,683
Overdraft £601 £2,644
Credit card £2,987 £17,012
Unsecured loan £4,347 £8,624
Case weighting (May 2016) 9.0% 18.7%
T5.3 - Average debt by type (housing
status)*
Living with
ParentsHomeowner
Average unsecured debt (May 2016) £9,042 £32,099
T5.2 - Case weighting (housing
status)
Living with
ParentsHomeowner
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T5.1 - Average unsecured debt
(housing status)
Living with
ParentsHomeowner
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
99% 194%
29.4% 0.0%
Unemploye
d (Other)
Unemploye
d (JSA)
Neg DI,
can't repay
Neg DI,
can't repay
Part-time
employment
Self-
employed
Full-time
education
Impoverishment index 5.6% 16.3% 21.2% 22.5%
18.2% 0.0%
0.0% 14.3%
29.4% 0.0%
18.2% 85.7%
0.0% 0.0%
0.0% 0.0%
£1,352 £1,017
29.4% 0.0%
Unemploye
d (Other)
Unemploye
d (JSA)
£42 £0
Unemploye
d (Other)
Unemploye
d (JSA)
£1,348 £926
£25 £505
£300 £368
£41 £0
£326 £236
£57 £78
£171 £268
£2,585
£2,898 £0
£531 £506
© Debt Advice Foundation 2016 Page 19
Unemploye
d (Other)
Unemploye
d (JSA)
£8,125 £11,213
Unemploye
d (Other)
Unemploye
d (JSA)
16.9% 6.6%
Unemploye
d (Other)
Unemploye
d (JSA)
£2,914 £6,836
£2,153
Unsecured debt to annual income
ratio50% 57% 68% 94%
Average repayment term (months) 63 167 182 41
T6.6 - Debt servicing (employment
status)
Full-time
employmen
t
Impoverishment index 5.6% 16.3% 21.2% 22.5%
Divorce 2.4% 0.0% 0.0% 0.0%
Illness 2.4% 20.0% 9.1% 0.0%
Pregnancy 2.4% 10.0% 0.0% 0.0%
Reduced working hours 4.8% 0.0% 0.0% 0.0%
Loss of job 16.7% 20.0% 18.2% 0.0%
T6.5 - Cause of financial impairment
(employment status)
Full-time
employmen
t
Part-time
employment
Self-
employed
Full-time
education
Impoverishment index 5.6% 16.3% 21.2% 22.5%
Monthly household expenditure £1,655 £1,703 £1,712 £1,847
Net monthly household income £1,958 £1,777 £1,815 £2,133
T6.4 - Client financial profile
(employment status)
Full-time
employmen
t
Part-time
employment
Self-
employed
Full-time
education
Trade debt £0 £0 £0 £0
Crown tax debt £561 £0 £232 £0
Council tax debt £336 £407 £334 £0
Benefit overpayment £320 £551 £100 £0
Utility debt £239 £742 £228 £0
Short term loan £517 £209 £181 £0
Store card £465 £549 £250 £1,400
Overdraft £1,453 £443 £1,653 £2,900
Other debts £1,080 £1,080 £1,208 £0
Unsecured loan £6,759 £3,688 £3,088 £0
Credit card £7,619 £5,072 £12,279 £7,550
T6.3 - Average debt by type
(employment status)*
Full-time
employmen
t
Part-time
employment
Self-
employed
Full-time
education
Case weighting (May 2016) 44.6% 14.5% 12.0% 0.6%
T6.2 - Case weighting (employment
status)
Full-time
employmen
t
Part-time
employment
Self-
employed
Full-time
education
Average unsecured debt (May 2016) £18,986 £12,366 £18,666 £11,850
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T6.1 - Average unsecured debt
(employment status)
Full-time
employmen
t
Part-time
employment
Self-
employed
Full-time
education
* Some listed debts may not be included in the final unsecured totals dues to the laws governing treatment of certain liabilaities in different debt solutions.
2 adults/2
dependants
2 adults/3+
dependants
65 120
0% 0%
74 191 380 0
0.0% 25.0%
0.0% 0.0%
0.0% 0.0%
20.0% 0.0%
20.0% 0.0%
0.0% 0.0%
0.0% 0.0%
2 adults/2
dependants
2 adults/3+
dependants
0.0% 0.0%
2 adults/2
dependants
2 adults/3+
dependants
£2,812 £3,066
£2,527 £2,841
£103 £1,361
£0 £0
£0 £0
£30 £301
£219 £737
£406 £513
£3,639 £3,766
£1,038 £494
£276 £119
© Debt Advice Foundation 2016 Page 20
2 adults & 2
dependants
2 adults & 3+
dependants
£18,480 £27,056
2 adults & 2
dependants
2 adults & 3+
dependants
7.8% 5.4%
2 adults/2
dependants
2 adults/3+
dependants
£8,214 £11,508
£7,132 £3,026
96 144
Unsecured debt to annual income
ratio50% 57% 68% 94% 99% 194%
Average repayment term (months)
29.4% 0.0%
T7.6 - Debt servicing (household
demographics)
1 adult/0
dependants
1 adult/1
dependant
1 adult/2
dependants
1 adult/3+
dependants
2 adults/0
dependants
2 adults/1
dependant
Impoverishment index 5.6% 16.3% 21.2% 22.5%
0.0% 0.0%
Impoverishment index 5.6% 16.3% 21.2% 22.5% 29.4% 0.0%
Divorce 0.0% 7.1% 0.0% 0.0%
0.0% 0.0%
Illness 14.7% 7.1% 0.0% 0.0% 7.1% 0.0%
Pregnancy 0.0% 7.1% 0.0% 0.0%
21.4% 25.0%
Reduced working hours 2.9% 0.0% 0.0% 0.0% 7.1% 0.0%
Loss of job 29.4% 28.6% 22.2% 0.0%
29.4% 0.0%
T7.5 - Cause of financial impairment
(household demographics)
1 adult/0
dependants
1 adult/1
dependant
1 adult/2
dependants
1 adult/3+
dependants
2 adults/0
dependants
2 adults/1
dependant
Impoverishment index 5.6% 16.3% 21.2% 22.5%
£2,325 £2,317
Monthly household expenditure £942 £1,350 £1,500 £0 £2,042 £2,151
Net monthly household income £1,094 £1,409 £1,534 £0
£56 £0
T7.4 - Client financial profile
(household demographics)
1 adult/0
dependants
1 adult/1
dependant
1 adult/2
dependants
1 adult/3+
dependants
2 adults/0
dependants
2 adults/1
dependant
Trade debt £0 £0 £0 £0
£85 £297
Crown tax debt £0 £831 £0 £0 £271 £1,134
Council tax debt £222 £490 £417 £0
£190 £254
Benefit overpayment £39 £418 £0 £0 £215 £80
Utility debt £195 £254 £428 £0
£681 £698
Short term loan £286 £90 £411 £0 £657 £340
Store card £253 £251 £564 £0
£881 £2,244
Overdraft £689 £623 £1,633 £0 £2,100 £1,894
Other debts £635 £1,352 £1,173 £0
£12,897 £8,985
Unsecured loan £3,372 £2,637 £1,803 £0 £10,046 £8,114
Credit card £5,771 £4,790 £6,815 £0
12.7% 10.2%
T7.3 - Average debt by type
(household demographics)*
1 adult/0
dependants
1 adult/1
dependant
1 adult/2
dependants
1 adult/3+
dependants
2 adults/0
dependants
2 adults/1
dependant
Case weighting (May 2016) 39.8% 16.9% 7.2% 0.0%
£27,246 £23,919
T7.2 - Case weighting (household
demographics)
1 adult & 0
dependants
1 adult & 1
dependant
1 adult & 2
dependants
1 adult & 3+
dependants
2 adults & 0
dependants
2 adults & 1
dependant
Average unsecured debt (May 2016) £11,195 £11,315 £12,592 £0
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T7.1 - Average unsecured debt
(household demographics)
1 adult & 0
dependants
1 adult & 1
dependant
1 adult & 2
dependants
1 adult & 3+
dependants
2 adults & 0
dependants
2 adults & 1
dependant
4% 3% 4% 3% 3%
6% 4% 5% 3%
9% 9% 10% 11%
10% 11% 11% 10%
11%
8%
8% 7% 9%
© Debt Advice Foundation 2016 Page 21
5% 4% 4% 4% 6% 3% 5%
15% 14% 14%18% 16% 12% 18% 15%
3% 3% 3% 3% 4%
8% 10% 12% 11%
13% 9% 14%
Sep 15 Aug 15 Jul 15 Jun 15
16% 7% 11% 13% 15%
6% 7% 7% 4%
8% 9% 12% 9%
1% 1% 0% 2%
6% 5% 7% 5%
8% 9%
25% 24% 22% 25%
7% 9%
14% 15% 20%
9% 10% 9% 8% 10% 7% 9% 9% 9% 7% 7% 8%
17% 17% 15% 15% 20%
13%
17% 19% 21% 26% 26% 29% 27% 26% 23% 27% 27% 22%
0% 1% 1%
Informal Arrangement
Debt Relief Order
12% 12% 12% 13% 12% 15% 8% 8% 14% 11% 16%
1% 1% 0% 2% 0%
27% 19% 28% 25% 22%
32%
68%
Feb 16 Mar 16 Apr 16 May 16
33% 32% 32%
67% 68% 68%
Other 18% 17% 23% 24%
10% 11% 7% 13%
Mortgage 4% 3%
Legal 9% 9% 6%
Housing assistance 4%
Disputed liability 8% 9% 9% 6%
Current insolvency case 11% 11% 13% 9% 11% 6% 11% 11%
Credit rating 3% 7%
Council Tax 1% 3% 1% 2%
4% 5% 7% 7% 5%
3% 2% 2% 1%
5%
Benefits 10% 11% 10% 8% 8% 9% 15% 11%
Bailiff assistance 9% 8% 5% 7%
Jan 16 Dec 15 Nov 15 Oct 15
3rd party call 20% 18% 21% 22% 21% 24% 23% 17%
T8.3 -Non-financial assessment
outcomesMay 16 Apr 16 Mar 16 Feb 16
Other
Budgeting advice 14% 16% 20% 14%
Individual Voluntary
Arrangement/Trust Deed15% 18% 19% 16%
Debt Arrangement Scheme 0% 1% 1% 0%
Oct 15
Bankruptcy 32% 23% 18% 23%
Nov 15 Dec 15 Jan 16
19% 24% 28%
T8.2 -Financial assessment outcomes Jun 15 Jul 15 Aug 15 Sep 15
36% 34% 32% 32%Financial assessment outcomes 42% 39% 37% 42%
Non-financial assessment outcomes 58% 61% 63% 58% 64% 66% 68% 68%
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
Appendix (data tables)
T8.1 -Case outcome analysis Jun 15 Jul 15 Aug 15 Sep 15 Oct 15 Nov 15 Dec 15 Jan 16 Feb 16 Mar 16 Apr 16 May 16
T8.5 -Advice take-up (May 2016)Advice
recommended
by adviser
Advice chosen
by client
Bankruptcy 22% 3%
Debt Arrangement Scheme 1% 2%
Informal Arrangement 13% 45%
Debt Relief Order 22% 13%
Individual Voluntary
Arrangement/Trust Deed20% 23%
Other 8% 0%
Budgeting advice 14% 13%
© Debt Advice Foundation 2016
0.0%0.7%0.6%0.4%0.3%0.6%08:00
1.9% 2.9% 1.8% 2.0% 1.7% 1.3%
Page 22
10:00 1.3% 2.5% 1.2% 1.7% 0.9% 1.1%
11:00 2.1% 1.6% 1.5% 2.0% 1.5% 0.9%
12:00
0.6%0.7%1.1%
2.5% 1.0% 1.5% 0.6%
0.0%0.4%0.7%1.5%1.0%0.3%19:00
13:00 2.1%
1.3% 2.0%
2.2% 2.1% 2.6% 2.8%
SaturdayFridayThursdayWednesdayTuesdayMondayT8.6 -Weekly call density map (May
2016)
Appendix (data tables)
Debt Advice Foundation - Debt Helpline Statistics (May 2016)
1.8% 0.0%
17:00 1.0%
0.9%1.2%1.2%09:00
0.0%
18:00 0.7% 1.2% 0.9% 2.2% 0.9% 0.0%
0.9%
14:00 1.0% 2.3% 1.8% 2.8% 2.6% 1.1%
15:00 1.0% 3.8% 2.6% 2.4% 2.8% 0.0%
16:00 1.6% 2.2%
Debt Advice Foundation
1 Anchor Court
Commercial Road
Darwen
BB3 0DB
Telephone: 0800 779 71 36
Email: [email protected]
Website: www.debtadvicefoundation.org
Facebook: /DebtAdviceFoundation
Twitter: @DebtAdviceDAF
If you are experiencing financial difficulties, please call the charity's helpline on 0800 043 40 50.
The helpline is open Monday to Friday 8am to 8pm and Saturday 9am to 3pm.
Authorised and regulated by the Financial Conduct Authority No 692492.
Charity registered in England and Wales No 1148498.
© Debt Advice Foundation 2016