Generation Debt – Audiobook
Listen to the the audiobook using the links below or download all the chapters here.
Index
- About this report
- Foreword by Chris Davis
- Executive Summary
- Introduction
- Chapter One: A Fact of Life: Personal Debt and the UK Economy
- 1.1 Stephen’s Story
- 1.2 Debt is Everyday
- 1.3 The Spending Power Squeeze
- 1.4 The Role of Debt in the UK Economy
- 1.5 Summary: Nation in the Red
- Chapter Two: Problem Debt and the Debt Support Ecosystem
- 2.1 What is problem debt?
- 2.2 Why do people get in to debt?
- 2.3 Problem Debt and Wellbeing
- 2.4 What happens when a person gets in to debt problems?
- 2.5 The Role of the Creditor
- 2.6 Creditors Have Incomplete Information
- 2.7 The Debt Support Ecosystem
- 2.8 The Role of the Debt Solution Provider
- 2.9 The Demand for Debt Support
- 2.10 Summary: The Debt Support Ecosystem is a Vital Resource
- Chapter Three: A Shock to the System
- 3.1 From Pandemic to Cost of Living Crisis
- 3.2 Low Income Households and the Cost of Living
- 3.3 The Credit Safety Net
- 3.4 Negative Budgets
- 3.5 The Middle-Income Squeeze
- 3.6 The Middle Income Trap
- 3.7 Summary: An Age of Insecurity
- Chapter Four: Personal Debt and the Polycrisis
- 4.1 Welcome to the Polycrisis
- 4.2 Climate Change and Debt
- 4.3 Sustained Price Inflation
- 4.4 Transition Risk
- 4.5 Instability in the Financial System
- 4.6 Summary: Navigating an Uncertain Future
- Chapter Five: Looking Forward
- 5.1 Current Policy Outlook
- 5.2 The Consumer Duty
- 5.3 The Role of Debt Advice and Solution Providers under the Consumer Duty
- 5.4 New Technology
- 5.5 A More Resilient Sector
- Appendix One: No Shame in Saying
- Appendix Two: Statistical Summary