HIGH COST CREDIT SURVEY
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - a) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff and Vale Cr
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - b) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - c) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopacheck)
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - d) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - code 5
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - PAY DAY LOAN + HOME CREDIT
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - PAY DAY LOAN + HIRE PURCHASE
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - HOME CREDIT + HIRE PURCHASE
Q1 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? - PAY DAY LOAN + HOME CREDIT + HIRE PURCHASE
Q2 Gender
Q3 Into which of the following age categories do you fall? - 18-24 years
Q3 Into which of the following age categories do you fall? - 25-34 years
Q3 Into which of the following age categories do you fall? - 35-44 years
Q3 Into which of the following age categories do you fall? - 45-54 years
Q3 Into which of the following age categories do you fall? - 55-64 years
Q3 Into which of the following age categories do you fall? - 65-74 years
Q3 Into which of the following age categories do you fall? - 75 years or older
Q3 Into which of the following age categories do you fall? - Under 34
Q3 Into which of the following age categories do you fall? - 35-54
Q3 Into which of the following age categories do you fall? - 55 or older
Q4 Can I just confirm which region of Wales you live in?
Q5 Which of the following applies to you?
Q6 Who else usually lives with you? - No-one
Q6 Who else usually lives with you? - Partner\spouse
Q6 Who else usually lives with you? - Own\partner's children aged 15 or under
Q6 Who else usually lives with you? - Own\partner's children aged 16-21 and in education
Q6 Who else usually lives with you? - Other children under 21 and in education\under school age
Q6 Who else usually lives with you? - Own\partner's children aged 16 or over and not in education
Q6 Who else usually lives with you? - Parent(s) or other adult family
Q6 Who else usually lives with you? - Other adults
QA1a Which of the following do you personally have: A bank or building society account in your own name or joint names?
QA1b Which of the following do you personally have: A post office card account?
QA1c Which of the following do you personally have: A credit union account?
QA1d Which of the following do you personally have: A credit card?
QA1e Which of the following do you personally have: Cash savings account?
QA1f Which of the following do you personally have: Any other savings account (e.g. an ISA)?
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... a) There is no excuse for borrowing money
QA2 To what extent do you agree or disagree with the following statements? Please exclude mortgages when considering your responses.READ OUT... b) Borrowing money from doorstep lenders (e.g. The Provident) is common in my community
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... c) I would rather be in debt than change my lifestyle
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... d) You should always save up first before buying something
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... e) I know many people who have used payday loans
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... f) Debt is a normal part of today's lifestyle
QA2 To what extent do you agree or disagree with the following statements? Please exclude mortgages when considering your responses.READ OUT... g) It is okay to be in debt if you can pay it off
QA2 To what extent do you agree or disagree with the following statements?Please exclude mortgages when considering your responses.READ OUT... h) As far as I know, close family and friends rarely borrow money or get into debt, excluding mortgages
QA3 Which one of these statements best describes how well you are keeping up with your bills and credit commitments at the moment, including those you have personally or jointly with your partner\spouse?
QA4 And in the last five years have you asked for professional advice or used the services of any organisation which provides advice and support for people having problems with debt\paying their bills?
QA5 How easy would you find it to raise £200-£300 in an emergency without borrowing?
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - a) Authorised\arranged overdraft facility
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - b) Unauthorised overdraft facility
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - c) Bank or building society loan
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - d) Credit card (not repaid immediately)
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - e) Store card (not repaid immediately)
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - f) Loan from a family member
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - g) Loan from a friend or other acquaintance
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - h) Guarantor loan (e.g. Amigo loan, TrustTwo, Buddy, Glo)
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - i) Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - j) Log Book Loan (where you borrow money against the value of your vehicle)
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - k) Mail Order catalogue \ club book
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - l) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - m) Local lender (unofficial)\or unlicensed lender ('loan shark') on which you had to pay interest
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - n) DWP crisis loan or Social Fund loan\loan from 'the Social'
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - o) Interest-free loan from Council or Job Centre
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - p) Any other source of credit \ loan
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - q) None of these
QA6 Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? (EXCLUDES 4 CORE HCC OPTIONS) - Refused
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - A) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff and Vale Credit Union
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - B) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - C) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopacheck)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - D) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - a) Authorised\arranged overdraft facility
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - b) Unauthorised overdraft facility
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - c) Bank or building society loan
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - d) Credit card (not repaid immediately)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - e) Store card (not repaid immediately)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - f) Loan from a family member
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - g) Loan from a friend or other acquaintance
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - h) Guarantor loan (e.g. Amigo loan, TrustTwo, Buddy, Glo)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - i) Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - j) Log Book Loan (where you borrow money against the value of your vehicle)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - k) Mail Order catalogue \ club book
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - l) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone Warehouse etc.)
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - m) Local lender (unofficial)\or unlicensed lender ('loan shark') on which you had to pay interest
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - n) DWP crisis loan or Social Fund loan\loan from 'the Social'
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - o) Interest-free loan from Council or Job Centre
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - p) Any other source of credit \ loan
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - q) None of these
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - Refused
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - PAY DAY LOAN + HOME CREDIT
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - PAY DAY LOAN + HIRE PURCHASE
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - HOME CREDIT + HIRE PURCHASE
Summary Table: Q1/QA6 Full list of credit taken out in the last 12 months. (INCLUDES 4 CORE HCC OPTIONS) - PAY DAY LOAN + HOME CREDIT + HIRE PURCHASE
QA7 You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?
QA8 And did they charge you interest? - Yes - I paid back what I owed plus more
QA8 And did they charge you interest? - Yes - I paid back what I owed plus a gift (e.g. bought them a pint)
QA8 And did they charge you interest? - No - I paid back what I owed and nothing else
QA8 And did they charge you interest? - YES - TOTAL
Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - A. Credit Union loan
Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - B. Pay day loan company
Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - C. Home Credit \ Doorstep Loan
Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - D. Hire purchase \ buying goods on finance
QA10 You have taken out a loan for £100, and the interest rate you are charged is 10 per cent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?
QA11 And if you didn't pay anything off, at this compound interest rate of 10 per cent, how much would you owe after two months - again assuming there were no additional fees?
QA12 Do you think it would be...
QB1 Is the loan you mentioned the only loan you've ever taken out or have you taken out other loans or borrowed money before this? This could include any loan or credit you have taken out.
QB2 When did you take this first loan out?
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - b) Unauthorised overdraft facility
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - c) Bank or building society loan
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff and
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - e) Credit card (not repaid immediately)
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - g) Loan from a family member
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - i) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - k) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopacheck)
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - n) Mail Order catalogue \ club book
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - o) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - r) DWP crisis loan or Social Fund loan\loan from 'the Social'
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - t) Any other source of credit\ loan
QB3 Can you please tell me which type of lender you used to take out your first loan? (THOSE WHO TOOK OUT PREVIOUS LOANS) - ANY HIGH COST CREDIT (i.e. i, k, o)
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - b) Unauthorised overdraft facility
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - c) Bank or building society loan
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - e) Credit card (not repaid immediately)
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - g) Loan from a family member
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - i) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - k) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopache
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - n) Mail Order catalogue \ club book
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - o) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - r) DWP crisis loan or Social Fund loan\loan from 'the Social'
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - t) Any other source of credit\ loan
Summary Table: QB3 Full list of all respondents' type of lender for first loan. (INCLUDES THOSE WHERE HCC LOAN IS FIRST LOAN) - ANY HIGH COST CREDIT (i.e. d, i, k, o)
Summary Table: FIRST LOAN VS. LATEST REFERENCE CATEGORY LOAN SUMMARY
QB4 What did you use the money you borrowed for? - Christmas
QB4 What did you use the money you borrowed for? - Car purchase
QB4 What did you use the money you borrowed for? - Holiday
QB4 What did you use the money you borrowed for? - Major event (wedding, baby, illness, funeral)
QB4 What did you use the money you borrowed for? - Socialising
QB4 What did you use the money you borrowed for? - Home improvements
QB4 What did you use the money you borrowed for? - Car costs
QB4 What did you use the money you borrowed for? - Everyday living
QB4 What did you use the money you borrowed for? - Pay rent/ bills/ other debts
QB4 What did you use the money you borrowed for? - Children's clothes
QB4 What did you use the money you borrowed for? - Rent deposit/ moving costs
QB4 What did you use the money you borrowed for? - New furniture
QB4 What did you use the money you borrowed for? - New white goods
QB4 What did you use the money you borrowed for? - Consumer electronics
QB4 What did you use the money you borrowed for? - Helping a family member
QB4 What did you use the money you borrowed for? - Adult clothes
QB4 What did you use the money you borrowed for? - Other
QB5 And, can I just check, would you say that this purchase was something...
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - a) Income is just not enough to cover all my expenses
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - b) Unemployment, redundancy or reduced working hours
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - c) Ill health of a family member
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - d) Bereavement
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - e) Became pregnant, had a child
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - f) Family break up
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - g) Partner left, leaving me with debts
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - h) Errors\delay in wages being paid
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - i) Errors\delay in benefit payments
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - j) None of these
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? LIFESHOCK
QB6 And did you have to borrow or use the money from your first loan for any of the following reasons? - ANY OF THESE (i.e. a-i)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - a) Authorised\arranged overdraft facility
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - b) Unauthorised overdraft facility
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - c) Bank or building society loan
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff and Vale Credit Union,
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - e) Credit card (not repaid immediately)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - g) Loan from a family member
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - h) Loan from a friend or other acquaintance
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - i) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - k) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopacheck)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - l) Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - p) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone Warehouse etc.)
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - r) DWP crisis loan or Social Fund loan\loan from 'the Social'
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - s) Interest-free loan from Council or Job Centre
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - u) None of these
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - v) I didn't consider any other options
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - w) Can't remember
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - Refused
QB7 Before taking out your loan, which, if any, of these alternative types of lender did you consider? - ANY HIGH COST CREDIT (i.e. d, i, k, o)
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Interest rate
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Recommendation from family
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Recommendation from friend
QB8a Why did you decide to take out/use this service rather than using an(y) alternative(s)? - Either recommendation from family or friend
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Only option/ willing lender
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Didn't consider other options
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Saw adverts/ got direct mail
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - They came to the door
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Quick to get cash
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Affordable/ convenient repayment plan
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Easy application process (e.g. few questions/ location)
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Friendly/ trustworthy
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Existing customer relationship
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Local
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Previously borrowed from them
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Other credit lines maxed out
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Other
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Not aware of any other options
QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Don't know
QB8b And which reason would you say was most important?
QB8c And can you tell me the name of the lender for this loan?
QB9a And why did you choose to take out \ use this service from this lender specifically? - Family recommendation
QB9a And why did you choose to take out \ use this service from this lender specifically? - Friend recommendation
QB9a And why did you choose to take out/use this service from this lender specifically? - Family or friend recommendation
QB9a And why did you choose to take out \ use this service from this lender specifically? - Already a customer
QB9a And why did you choose to take out \ use this service from this lender specifically? - Local
QB9a And why did you choose to take out \ use this service from this lender specifically? - Interest rate
QB9a And why did you choose to take out \ use this service from this lender specifically? - Agent came to door
QB9a And why did you choose to take out \ use this service from this lender specifically? - Seen advertising/ well-known
QB9a And why did you choose to take out \ use this service from this lender specifically? - Didn't look elsewhere
QB9a And why did you choose to take out \ use this service from this lender specifically? - Only lender known
QB9a And why did you choose to take out \ use this service from this lender specifically? - From internet search
QB9a And why did you choose to take out \ use this service from this lender specifically? - Payment terms/ fees etc.
QB9a And why did you choose to take out \ use this service from this lender specifically? - Only willing lender/ after refusal from other
QB9a And why did you choose to take out \ use this service from this lender specifically? - Speed of lending
QB9a And why did you choose to take out \ use this service from this lender specifically? - Other
QB9a And why did you choose to take out \ use this service from this lender specifically? - Don't know
QB10 How did you find out about the lender(s) you used? - Online\web search
QB10 How did you find out about the lender(s) you used? - Saw the branch\shop locally
QB10 How did you find out about the lender(s) you used? - Leaflets through the door\post
QB10 How did you find out about the lender(s) you used? - Door step caller
QB10 How did you find out about the lender(s) you used? - Recommendation from family
QB10 How did you find out about the lender(s) you used? - Recommendation from a friend
QB10 How did you find out about the lender(s) you used? - From an independent financial adviser or broker
QB10 How did you find out about the lender(s) you used? - Recommendation from professional (e.g. GP, social worker)
QB10 How did you find out about the lender(s) you used? - TV\radio advert
QB10 How did you find out about the lender(s) you used? - Newspaper
QB10 How did you find out about the lender(s) you used? - Already a customer
QB10 How did you find out about the lender(s) you used? - Other source of information
QB10 How did you find out about the lender(s) you used? - None of these
QB10 How did you find out about the lender(s) you used? - Don't know
QB11 How much was the loan \ credit originally for? - Less than £50
QB11 How much was the loan \ credit originally for? - £50 - £100
QB11 How much was the loan \ credit originally for? - £100 - £199
QB11 How much was the loan \ credit originally for? - £200 - £299
QB11 How much was the loan \ credit originally for? - £300 - £500
QB11 How much was the loan \ credit originally for? - £501 - £1000
QB11 How much was the loan \ credit originally for? - £1,001 - £2,500
QB11 How much was the loan \ credit originally for? - £2,501 - £5,000
QB11 How much was the loan \ credit originally for? - £5,001 - £7,500
QB11 How much was the loan \ credit originally for? - £7,500 - £10,000
QB11 How much was the loan \ credit originally for? - More than £10,000
QB11 How much was the loan \ credit originally for? - Not answered
QB11 How much was the loan \ credit originally for? - £500 or less
QB11 How much was the loan \ credit originally for? - £501 - £2,500
QB11 How much was the loan \ credit originally for? - More than £5,000
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Very confident
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Fairly confident
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not very confident
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not at all confident
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not answered
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - CONFIDENT
QB12 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - NOT CONFIDENT
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - a) Authorised\arranged overdraft facility
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - b) Unauthorised overdraft facility
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - c) Bank or building society loan
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite, Cardiff and Vale Credit
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - e) Credit card (not repaid immediately)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - f) Store card (not repaid immediately)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - g) Loan from a family member
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - h) Loan from a friend or other acquaintance
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - i) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay Advance, Peachy, Satsuma Loans)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - j) Guarantor loan (e.g. Amigo loan, TrustTwo, Buddy, Glo)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - k) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club, Shopacheck)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - l) Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - m) Log Book Loan (where you borrow money against the value of your vehicle)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - n) Mail Order catalogue \ club book
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - o) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - p) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone Warehouse etc.)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - q) Local lender (unofficial)\or unlicensed lender ('loan shark') on which you had to pay interest
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - r) DWP crisis loan or Social Fund loan\loan from 'the Social'
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - s) Interest-free loan from Council or Job Centre
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - t) Any other source of credit\ loan
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - code 21
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - ANY HIGH COST CREDIT (i.e. d, i, k, o)
QC1 Thinking about all the times you have EVER borrowed money, which forms of credit have you ever taken out? - Number taken out in total
QC2 And since your first loan\credit agreement, would you say you have been...
QC3 I'd now like you to think about all of the loans and credit agreements held in your own name and\or in joint name. What is the highest amount of money you have ever owed at one time?
QC4 Have you ever been encouraged by a lender to borrow more money after one loan ended or you had paid off a significant amount of the loan? - Yes - regularly
QC4 Have you ever been encouraged by a lender to borrow more money after one loan ended or you had paid off a significant amount of the loan? - Yes - occasionally
QC4 Have you ever been encouraged by a lender to borrow more money after one loan ended or you had paid off a significant amount of the loan? - No
QC4 Have you ever been encouraged by a lender to borrow more money after one loan ended or you had paid off a significant amount of the loan? - YES - TOTAL
QC5 Has this ever resulted in you taking out another loan after the initial one ended? - Yes - every time\ almost every time it has been offered
QC5 Has this ever resulted in you taking out another loan after the initial one ended? - Yes - occasionally when it has been offered
QC5 Has this ever resulted in you taking out another loan after the initial one ended? - Yes - but only rarely
QC5 Has this ever resulted in you taking out another loan after the initial one ended? - No - never
QC5 Has this ever resulted in you taking out another loan after the initial one ended? - YES - TOTAL
QC6 Have you ever experienced any difficulties in making repayments on any of your loans? (e.g. had to roll-over, missed a[ny] payment[s], had to repay in reduced amounts, repaid regularly but experienced difficulty in finding the money) - Yes - on more th
QC6 Have you ever experienced any difficulties in making repayments on any of your loans? (e.g. had to roll-over, missed a[ny] payment[s], had to repay in reduced amounts, repaid regularly but experienced difficulty in finding the money) - Yes - on one loa
QC6 Have you ever experienced any difficulties in making repayments on any of your loans? (e.g. had to roll-over, missed a[ny] payment[s], had to repay in reduced amounts, repaid regularly but experienced difficulty in finding the money) - No
QC6 Have you ever experienced any difficulties in making repayments on any of your loans? (e.g. had to roll-over, missed a[ny] payment[s], had to repay in reduced amounts, repaid regularly but experienced difficulty in finding the money) - code 4
QC6 Have you ever experienced any difficulties in making repayments on any of your loans? (e.g. had to roll-over, missed a[ny] payment[s], had to repay in reduced amounts, repaid regularly but experienced difficulty in finding the money) - YES - TOTAL
QC7a Have you ever experienced any of the following? - a) I had to roll over my loan
QC7a Have you ever experienced any of the following? - b) I missed one\multiple repayments
QC7a Have you ever experienced any of the following? - c) I had to repay in reduced amounts
QC7a Have you ever experienced any of the following? - d) I managed to repay regularly but experienced difficulty in finding the money
QC7a Have you ever experienced any of the following? - e) I was declared bankrupt
QC7a Have you ever experienced any of the following? - f) I had a County Court Judgement (CCJ)
QC7a Have you ever experienced any of the following? - g) I agreed a plan to pay my debts back
QC7a Have you ever experienced any of the following? - h) My debt was written off eventually (including a Debt Relief Order (DRO))
QC7a Have you ever experienced any of the following? - i) The company I owe(d) money to lost track of me before I paid it off (e.g. I moved house and didn't tell them or I changed my name)
QC7a Have you ever experienced any of the following? - j) Other
QC7a Have you ever experienced any of the following? - ANY OF THESE (i.e. a-j)
QC7a Have you ever experienced any of the following? - FORMAL RESOLUTION (i.e. e-h)
QC7b Do you know if the plan was any of the following... - I took out a consolidation loan
QC7b Do you know if the plan was any of the following... - I engaged in an Individual Voluntary Arrangement (IVA)
QC7b Do you know if the plan was any of the following... - I had a Debt Management Plan (DMP)
QC7b Do you know if the plan was any of the following... - I had an administration order
QC7b Do you know if the plan was any of the following... - Don't know
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - a) I had to roll over my loan
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - b) I missed one\multiple repayments
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - c) I had to repay in reduced amounts
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - d) I managed to repay regularly but experienced difficulty in finding the money
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - e) I was declared bankrupt
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - f) I had a County Court Judgement (CCJ)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - g) Agreed plan - I took out a consolidation loan
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - g) Agreed plan - I engaged in an Individual Voluntary Arrangement (IVA)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - g) Agreed plan - I had a Debt Management Plan (DMP)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - g) Agreed plan - Don't know (what the plan was)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - h) My debt was written off eventually (including a Debt Relief Order (DRO))
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - i) The company I owe(d) money to lost track of me before I paid it off (e.g. I moved house and didn't tell them or I changed my name)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - j) Other
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - ANY OF THESE (i.e. a-j)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - FORMAL RESOLUTION (i.e. e-h)
Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - NO PLAN AGREED (i.e. a-j but not g)
QD1 Thinking just about all the loans and credit agreements held in your own name and\or in joint names, how many loans or credit agreements do you currently have?
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - a) Nothing - I have no outstanding credit
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - b) £100 or less
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - c) £101-£250
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - d) £251-£500
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - e) £501-£1,000
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - f) £1,001-£2,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - g) £3,000-£4,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - h) £5,000-£6,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - i) £7,000-£9,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - j) £10,000-£14,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - k) £15,000-£19,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - Don't know
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - code 13
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - £1,000 OR LESS
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - £1,001 TO £4,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - £5,000 TO £9,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - £10,000 TO £19,999
QD2 If you added up all your / and your partner/spouse's balances on credit cards, store cards, personal loans, hire purchase, car finance agreements, approximately how much do you currently owe in total? - MORE THAN £20,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - a) Less than £50
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - b) £50 - £100
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - c) £100 - £199
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - d) £200 - £299
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - e) £300 - £500
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - f) £501 - £1,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - g) £1,001 - £2,500
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - h) £2,501 - £5,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - i) £5,001 - £7,500
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - j) £7,501 - £10,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - k) More than £10,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - Don't know
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £500 OR LESS
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £501 TO £2,500
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £2,501 TO £5,000
QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - MORE THAN £5,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - a) Less than £50
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - b) £50 - £100
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - c) £100 - £199
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - d) £200 - £299
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - e) £300 - £500
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - f) £501 - £1,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - g) £1,001 - £2,500
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - h) £2,501 - £5,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - i) £5,001 - £7,500
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - j) £7,501 - £10,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - k) More than £10,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - Don't know \ not answered
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - £500 OR LESS
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - £501 TO £2,500
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - £2,501 TO £5,000
Summary table: QB11 \ QD2b How much was the loan originally for?[REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB11 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD2b IF IT IS NOT FIRST LOAN] - MORE THAN £5,000
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - Very confident
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - Fairly confident
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - Not very confident
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - Not at all confident
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - CONFIDENT
QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? Were you... - NOT CONFIDENT
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Very confident
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Fairly confident
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not very confident
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not at all confident
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - Not answered
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - code 6
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - CONFIDENT
Summary Table: QB12 \ QD3 Thinking back to when you first took up this form of credit, how confident were you that you would be able to repay the loan in full on the date originally agreed with the lender? - NOT CONFIDENT
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Interest rate
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Recommendation from family
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Recommendation from friend
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Only option/ willing lender
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Didn't consider other options
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Saw adverts/ got direct mail
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - They came to the door
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Quick to get cash
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Affordable/ convenient repayment plan
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Easy application process (e.g. few questions/ location)
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Friendly/ trustworthy
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Existing customer relationship
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Local
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Previously borrowed from them
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Other credit lines maxed out
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Other
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Not aware of any other options
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Don't know
QD4a Why did you decide to take out this service rather than using an(y) alternative(s)? - Refused
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Interest
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Recommen
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Only opt
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Didn't c
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Saw adve
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - They cam
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Quick to
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Affordab
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Easy app
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Friendly
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Existing
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Local
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Previous
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Other cr
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Other
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Don't kn
Summary Table: QB8a/QD4a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4a IF IT IS NOT FIRST LOAN] - Refused
QD4b And can you tell me the name of the lender for this loan?
Summary Table: QB8c\QD4b And can you tell me the name of the lender for this loan? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB8b IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD4b IF IT IS NOT FIRST LOAN]
QD5 And why did you choose to take out this service from this lender specifically? - Family recommendation
QD5 And why did you choose to take out this service from this lender specifically? - Friend recommendation
QD5 And why did you choose to take out this service from this lender specifically? - Already a customer
QD5 And why did you choose to take out this service from this lender specifically? - Local
QD5 And why did you choose to take out this service from this lender specifically? - Interest rate
QD5 And why did you choose to take out this service from this lender specifically? - Agent came to door
QD5 And why did you choose to take out this service from this lender specifically? - Seen advertising/ well-known
QD5 And why did you choose to take out this service from this lender specifically? - Didn't look elsewhere
QD5 And why did you choose to take out this service from this lender specifically? - Only lender known
QD5 And why did you choose to take out this service from this lender specifically? - From internet search
QD5 And why did you choose to take out this service from this lender specifically? - Payment terms/ fees etc.
QD5 And why did you choose to take out this service from this lender specifically? - Only willing lender/ after refusal from other
QD5 And why did you choose to take out this service from this lender specifically? - Speed of lending
QD5 And why did you choose to take out this service from this lender specifically? - Previous good experience
QD5 And why did you choose to take out this service from this lender specifically? - Easy to get credit (checks etc.)
QD5 And why did you choose to take out this service from this lender specifically? - Convenient repayment plan
QD5 And why did you choose to take out this service from this lender specifically? - Other
QD5 And why did you choose to take out this service from this lender specifically? - Don't know
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Family recommen
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Friend recommen
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Already a custo
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Local
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Interest rate
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Agent came to d
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Seen advertisin
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Didn't look els
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Only lender kno
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - From internet s
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Payment terms/
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Only willing le
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Speed of lendin
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Previous good e
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Easy to get cre
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Convenient repa
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Other
Summary Table: QB9a/QD5 And why did you choose to take out \ use this service from this lender specifically? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB9a IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD5 IF IT IS NOT FIRST LOAN] - Don't know
QD6 How did you find out about the lender(s) you used? - Online\web search
QD6 How did you find out about the lender(s) you used? - Saw the branch\shop locally
QD6 How did you find out about the lender(s) you used? - Leaflets through the door\post
QD6 How did you find out about the lender(s) you used? - Door step caller
QD6 How did you find out about the lender(s) you used? - Recommendation from family
QD6 How did you find out about the lender(s) you used? - Recommendation from a friend
QD6 How did you find out about the lender(s) you used? - Via Employer
QD6 How did you find out about the lender(s) you used? - Recommendation from professional (e.g. GP, social worker)
QD6 How did you find out about the lender(s) you used? - Advice organisation (e.g. Citizen's Advice, housing association)
QD6 How did you find out about the lender(s) you used? - TV\radio advert
QD6 How did you find out about the lender(s) you used? - Newspaper
QD6 How did you find out about the lender(s) you used? - I have had a good experience with this lender before
QD6 How did you find out about the lender(s) you used? - Other source of information
QD6 How did you find out about the lender(s) you used? - None of these
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Online\web search
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Saw the branch\shop locally
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Leaflets through the door\post
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Door step caller
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Recommendation from family
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Recommendation from a friend
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Via Employer
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - From an independent financial adviser or broker
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Recommendation from professional (e.g. GP, social
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Advice organisation (e.g. Citizen's Advice, housi
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - TV\radio advert
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Newspaper
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - I have had a good experience with this lender bef
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Other source of information
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - None of these
Summary Table: QB10/QD6 How did you find out about the lender(s) you used? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB10 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD6 IF IT IS NOT FIRST LOAN] - Don't know
QD7 What did you use the money you borrowed for? - Christmas
QD7 What did you use the money you borrowed for? - Car purchase
QD7 What did you use the money you borrowed for? - Holiday
QD7 What did you use the money you borrowed for? - Major event (wedding, baby, illness, funeral)
QD7 What did you use the money you borrowed for? - Socialising
QD7 What did you use the money you borrowed for? - Home improvements
QD7 What did you use the money you borrowed for? - Car costs
QD7 What did you use the money you borrowed for? - Everyday living
QD7 What did you use the money you borrowed for? - Pay rent/ bills/ other debts
QD7 What did you use the money you borrowed for? - Children's clothes
QD7 What did you use the money you borrowed for? - Rent deposit/ moving costs
QD7 What did you use the money you borrowed for? - New furniture
QD7 What did you use the money you borrowed for? - New white goods
QD7 What did you use the money you borrowed for? - Consumer electronics
QD7 What did you use the money you borrowed for? - Helping a family member
QD7 What did you use the money you borrowed for? - Adult clothes
QD7 What did you use the money you borrowed for? - Other
QD7 What did you use the money you borrowed for? - Don't know / Refused
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Christmas
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Car purchase
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Holiday
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Major event (wedding, baby, illness, funeral)
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Socialising
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Home improvements
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Car costs
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Everyday living
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Pay rent/ bills/ other debts
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Children's clothes
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Rent deposit/ moving costs
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - New furniture
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - New white goods
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Consumer electronics
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Helping a family member
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Adult clothes
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Other
Summary Table: QB4/QD7 What did you use the money you borrowed for? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB4 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD7 IF IT IS NOT FIRST LOAN] - Don't know / Can't remember
QD8 And, can I just check, would you say that this purchase was something...
Summary Table: QB5/QD8 And, can I just check, would you say that this purchase was something... [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB5 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD8 IF IT IS NOT FIRST LOAN] - That you definitely couldn't
Summary Table: QB5/QD8 And, can I just check, would you say that this purchase was something... [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB5 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD8 IF IT IS NOT FIRST LOAN] - That you possibly could have
Summary Table: QB5/QD8 And, can I just check, would you say that this purchase was something... [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB5 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD8 IF IT IS NOT FIRST LOAN] - That you could have easily go
Summary Table: QB5/QD8 And, can I just check, would you say that this purchase was something... [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB5 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD8 IF IT IS NOT FIRST LOAN] - Refused
QD9 And did you have to borrow or use credit for any of the following reasons? - a) Income is just not enough to cover all my expenses
QD9 And did you have to borrow or use credit for any of the following reasons? - b) Unemployment, redundancy or reduced working hours
QD9 And did you have to borrow or use credit for any of the following reasons? - c) Ill health of a family member
QD9 And did you have to borrow or use credit for any of the following reasons? - e) Became pregnant, had a child
QD9 And did you have to borrow or use credit for any of the following reasons? - f) Family break up
QD9 And did you have to borrow or use credit for any of the following reasons? - g) Partner left, leaving me with debts
QD9 And did you have to borrow or use credit for any of the following reasons? - h) Errors\delay in wages being paid
QD9 And did you have to borrow or use credit for any of the following reasons? - i) Errors\delay in benefit payments
QD9 And did you have to borrow or use credit for any of the following reasons? - j) None of these
QD9 And did you have to borrow or use credit for any of the following reasons? - ANY OF THESE (i.e. a-i)
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - a) Income is just not enoug
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - b) Unemployment, redundancy
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - c) Ill health of a family m
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - e) Became pregnant, had a c
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - f) Family break up
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - g) Partner left, leaving me
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - h) Errors\delay in wages be
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - i) Errors\delay in benefit
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - j) None of these
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - code 10
Summary Table: QB6/QD9 And did you have to borrow or use credit for any of the following reasons? [REFERENCE CATEGORY LOAN DATA - TAKEN FROM QB6 IF REFERENCE CATEGORY LOAN IS FIRST LOAN, TAKEN FROM QD9 IF IT IS NOT FIRST LOAN] - ANY OF THESE (i.e. a-i)
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - a) Authorised\arranged overdraft facility
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Br
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - e) Credit card (not repaid immediately)
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - f) Store card (not repaid immediately)
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - g) Loan from a family member
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - h) Loan from a friend or other acquaintance
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - i) Pay day loan company (e.g. Wonga, QuickQuid, Sunny, WageDay
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - k) Home Credit \ Doorstep Loan (a company that collects payment
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - l) Pawnbrokers (somewhere where you borrow money and leave good
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - n) Mail Order catalogue \ club book
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - o) Hire purchase\ buying goods on finance (e.g. BrightHouse, Bu
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - p) Other retail credit - e.g. via a retailer to buy furniture,
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - r) DWP crisis loan or Social Fund loan\loan from 'the Social'
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - t) Any other source of credit\ loan
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - u) None of these
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - Refused
QE1 I'd now like you to imagine an emergency situation which you couldn't pay for out of your savings, such as a broken washing machine. Where would you be most likely to go to borrow money? - ANY HIGH COST CREDIT (i.e. d, i, k, o)
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Cheaper
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Low/ no interest rates
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Convenient
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Quick
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Good customer service/ helpful
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - No other option
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Good previous experience
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Safe/ trustworthy
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Easiest option
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Because family would try to help in emergency
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Trying not to borrow (e.g. saving, have insurance etc.)
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Flexible/ good repayment rates/ arrangements
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Better than the alternatives
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Other
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Don't know \ Can't say
QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Refused
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Too expensive/ high interest
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Don't like being hassled
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Already have loan with them and cannot get another
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Trying to avoid borrowing
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Preferable/ easier to ask family
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - See it as a lender of last resort
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Other
QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Don't know \ Can't say
QE4a So how likely would you be to: Use this type of loan again? (REFERENCE CATEGORY LOAN)
QE4b So how likely would you be to: Recommend this type of loan to a friend or family member? (REFERENCE CATEGORY LOAN)
QF1 Overall, would you describe the impact of using a loan on your quality of life to date as having...
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - a) Physical health problems in adults
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - b) Physical health problems in children
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - c) Anxiety or stress for adults in the household (or other mental health problems)
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - d) Anxiety or stress for children in the household (or other mental health problems)
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - e) Embarrassment
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - f) Tension and arguments with partners
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - g) Difficulties in relationships between parents and children
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - h) Breakdown of relationships with partners
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - i) Breakdown of relationships with family and friends
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - j) Problems with employment
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - k) Difficulties with fuel and heating
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - l) Difficulties in providing food for myself
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - m) Difficulties in providing food for the family
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - n) Difficulties in buying adequate shoes or clothing
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - o) Difficulties with rent or housing
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - p) Difficulties in making payments on household bills, council tax etc.
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - q) Had to cut down on extras
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - r) Other problems
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - s) None of these
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - Don't know
QF2 Which, if any, of the following effects have you or your family experienced as a result of being in debt? - ANY OF THESE (i.e. a-r)
QF3 To what extent do you agree or disagree with the following statements?READ OUT... a) When it comes to money I prefer to live for today rather than plan for tomorrow ?
QF3 To what extent do you agree or disagree with the following statements?READ OUT... b) Thinking about my financial situation makes me anxious ?
QF3 To what extent do you agree or disagree with the following statements?READ OUT... c) Nothing I do will make much difference to my financial situation ?
QF3 To what extent do you agree or disagree with the following statements?READ OUT... d) Once you are in debt it is very difficult to get out of it ?
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - No need/ not in bad debt
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Embarrased
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Don't want to admit to others in trouble
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Not enough income - how can it help
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Not had time
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Never thought about it
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Don't want to discuss with a stranger
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Don't want to think about it/ admit to self
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Feel a failure/ might be judged
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Prefer to deal with by self
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Other
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Prefer not to say
QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Don't know / Refused
QG1 What is your ethnic group? - Welsh\English\Scottish\Northern Irish\British
QG1 What is your ethnic group? - Chinese
QG1 What is your ethnic group? - WHITE
QG1 What is your ethnic group? - NON-WHITE
QG2 And which of the following best describes your household?
QG3 What is your household's total income before tax (annual income range before deductions)?
QG4 And which of the following applies to your housing arrangements? - Own home outright
QG4 And which of the following applies to your housing arrangements? - Own home with a mortgage
QG4 And which of the following applies to your housing arrangements? - Rent from private landlord
QG4 And which of the following applies to your housing arrangements? - Rent from housing association
QG4 And which of the following applies to your housing arrangements? - Rent from local authority
QG4 And which of the following applies to your housing arrangements? - Living with family\friends (i.e. not renting\owning personally)
QG4 And which of the following applies to your housing arrangements? - Other living arrangement
QG4 And which of the following applies to your housing arrangements? - Don't know
QG4 And which of the following applies to your housing arrangements? - OWNER
QG4 And which of the following applies to your housing arrangements? - SOCIAL HOUSING
QG5 Do any of these apply to you or to anyone in your household? - a) Mobility impairment or other physical disability
QG5 Do any of these apply to you or to anyone in your household? - b) Major health condition such as diabetes or heart disease
QG5 Do any of these apply to you or to anyone in your household? - c) Learning disability
QG5 Do any of these apply to you or to anyone in your household? - d) Mental health problems
QG5 Do any of these apply to you or to anyone in your household? - e) Problems with drug or alcohol abuse
QG5 Do any of these apply to you or to anyone in your household? - f) Criminal record
QG5 Do any of these apply to you or to anyone in your household? - g) In care \ care leaver
QG5 Do any of these apply to you or to anyone in your household? - h) None
QG5 Do any of these apply to you or to anyone in your household? - Refused
QG5 Do any of these apply to you or to anyone in your household? - ANY OF THESE (i.e. a-g)
QG6 And finally, can you tell me the occupation of the chief income earner in your household?
High cost credit loan reference category - Credit Union
High cost credit loan reference category - Pay day loan
High cost credit loan reference category - Home credit / door step
High cost credit loan reference category - Hire purchase / on finance
High cost credit loan reference category - ANY HIGH COST (B. C. D.)
High cost credit in last 12 months - Credit Union
High cost credit in last 12 months - Pay day loan
High cost credit in last 12 months - Home credit / door step
High cost credit in last 12 months - Hire purchase / on finance
High cost credit in last 12 months - ANY HIGH COST (B. C. D.)
Region
Gender
Age of respondent
Social Grade 1
Social Grade 2
Financial Literacy (Q60a/b)
Working status in household
Tenure
Ethnicity
Children in household - Own - aged 15 or under
Children in household - Own - aged 16-21 in education
Children in household - Own - aged 16+ not in education
Children in household - Other - 21 or under
Children in household - No children in household
Limiting long term illness / disability in household - Yes
Limiting long term illness / disability in household - No
Household income
Highest amount ever in debt
Number of loans currently have
Current amount of debt
Any difficulties repaying
Type of first loan - Pay day
Type of first loan - Home credit
Type of first loan - Hire purchase
Type of first loan - Credit Union
Type of first loan - Other
Type of first loan - ANY HIGH COST (A. B. C.)
Life change - Loan 1 - Yes
Life change - Loan 1 - No
Life change - Latest loan - Yes
Life change - Latest loan - No
First loan - need
Latest loan - need
Debt frequency
Household situation - Chronic health
Household situation - Social care