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
1 = a) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite,

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)
1 = 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)
1 = c) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club,

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)
1 = 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
1 = (no code label)

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
1 = 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
1 = 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
1 = 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
1 = PAY DAY LOAN + HOME CREDIT + HIRE PURCHASE

Q2 Gender
1 = Male
2 = Female

Q3 Into which of the following age categories do you fall? - 18-24 years
1 = 18-24 years

Q3 Into which of the following age categories do you fall? - 25-34 years
1 = 25-34 years

Q3 Into which of the following age categories do you fall? - 35-44 years
1 = 35-44 years

Q3 Into which of the following age categories do you fall? - 45-54 years
1 = 45-54 years

Q3 Into which of the following age categories do you fall? - 55-64 years
1 = 55-64 years

Q3 Into which of the following age categories do you fall? - 65-74 years
1 = 65-74 years

Q3 Into which of the following age categories do you fall? - 75 years or older
1 = 75 years or older

Q3 Into which of the following age categories do you fall? - Under 34
1 = Under 34

Q3 Into which of the following age categories do you fall? - 35-54
1 = 35-54

Q3 Into which of the following age categories do you fall? - 55 or older
1 = 55 or older

Q4 Can I just confirm which region of Wales you live in?
1 = Blaenau Gwent
2 = Bridgend
3 = Cardiff
4 = Carmarthenshire
5 = Ceredigion
6 = Conwy
7 = Denbighshire
8 = Neath Port Talbot
9 = Pembrokeshire
10 = Rhondda Cynon Taf
11 = Swansea
12 = Wrexham

Q5 Which of the following applies to you?
1 = Single (never married)
2 = Married and living with spouse
3 = Civil partnership
4 = Married and separated
5 = Divorced
6 = Widowed
7 = Separated from civil partner

Q6 Who else usually lives with you? - No-one
1 = No-one

Q6 Who else usually lives with you? - Partner\spouse
1 = Partner\spouse

Q6 Who else usually lives with you? - Own\partner's children aged 15 or under
1 = 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
1 = 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
1 = 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
1 = 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
1 = Parent(s) or other adult family

Q6 Who else usually lives with you? - Other adults
1 = Other adults

QA1a Which of the following do you personally have: A bank or building society account in your own name or joint names?
1 = Yes
2 = No

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
1 = Strongly agree
2 = Tend to agree
3 = Neither agree nor disagree
4 = Tend to disagree
5 = Strongly disagree
6 = Don't know

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?
1 = X) I am keeping up with all bills and commitments without any difficulties
2 = P) I am keeping up with all bills and commitments, but it is a struggle from time to time
3 = T) I am keeping up with all bills and commitments, but it is a constant struggle
4 = R) I am falling behind with some bills or credit commitments
5 = L) I am having real financial problems and have fallen behind with many bills or credit commitments

QA5 How easy would you find it to raise £200-£300 in an emergency without borrowing?
1 = Impossible
2 = Difficult
3 = Easy

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
1 = 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
1 = 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
1 = 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)
1 = 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)
1 = 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
1 = 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
1 = 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)
1 = 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)
1 = 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)
1 = 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
1 = 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
1 = l) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone Warehouse e

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
1 = 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'
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = A) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite,

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)
1 = 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)
1 = C) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club,

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)
1 = D) Hire purchase\ buying goods on finance (e.g. BrightHouse, Buy As You View, Family Vision, Homebuy, PerfectHome)

QA8 And did they charge you interest? - Yes - I paid back what I owed plus more
1 = 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)
1 = 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
1 = No - I paid back what I owed and nothing else

QA8 And did they charge you interest? - YES - TOTAL
1 = YES - TOTAL

Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - A. Credit Union loan
1 = A. Credit Union loan

Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - B. Pay day loan company
1 = B. Pay day loan company

Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - C. Home Credit \ Doorstep Loan
1 = C. Home Credit \ Doorstep Loan

Summary Table: Q1/QA9 RESPONDENT REFERENCE CATEGORY SUMMARY - D. Hire purchase \ buying goods on finance
1 = 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?
1 = Less than £100
2 = £101 to £109
3 = £110
4 = More than £110
5 = Don't know

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?
1 = Less than £100
2 = £101 to £119
3 = £120
4 = £121
5 = More than £121
6 = Don't know
7 = Didn't know at QA10

QA12 Do you think it would be...
1 = Less than £120
2 = Exactly £120
3 = More than £120

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.
1 = Yes - this is the only loan I've ever had
2 = No - I have taken out other loans before this

QB2 When did you take this first loan out?
1 = Within last year
2 = 1-3 years ago
3 = 4-5 years ago
4 = 6-10 years ago
5 = 11-20 years ago
6 = More than 20 years ago
7 = Don't know

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
1 = d) Credit Union loan (e.g. Dragon Savers, Smart Money Cymru, Bridgend Lifesavers, LASA Credit Union, Gateway, Red Kite,

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)
1 = 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
1 = 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)
1 = 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)
1 = k) Home Credit \ Doorstep Loan (a company that collects payments from your home e.g. Provident, Greenwood, Morses Club,

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
1 = 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)
1 = 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'
1 = 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
1 = 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)
1 = 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) - ANY HIGH COST CREDIT (i.e. d, i, k, o)
1 = ANY HIGH COST CREDIT (i.e. d, i, k, o)

Summary Table: FIRST LOAN VS. LATEST REFERENCE CATEGORY LOAN SUMMARY
1 = First loan type = latest reference category loan type (same loan)
2 = First loan type = latest reference category loan type (different loans)
3 = First loan type does NOT = latest reference category loan type

QB4 What did you use the money you borrowed for? - Christmas
1 = Christmas

QB4 What did you use the money you borrowed for? - Car purchase
1 = Car purchase

QB4 What did you use the money you borrowed for? - Holiday
1 = Holiday

QB4 What did you use the money you borrowed for? - Major event (wedding, baby, illness, funeral)
1 = Major event (wedding, baby, illness, funeral)

QB4 What did you use the money you borrowed for? - Socialising
1 = Socialising

QB4 What did you use the money you borrowed for? - Home improvements
1 = Home improvements

QB4 What did you use the money you borrowed for? - Car costs
1 = Car costs

QB4 What did you use the money you borrowed for? - Everyday living
1 = Everyday living

QB4 What did you use the money you borrowed for? - Pay rent/ bills/ other debts
1 = Pay rent/ bills/ other debts

QB4 What did you use the money you borrowed for? - Children's clothes
1 = Children's clothes

QB4 What did you use the money you borrowed for? - Rent deposit/ moving costs
1 = Rent deposit/ moving costs

QB4 What did you use the money you borrowed for? - New furniture
1 = New furniture

QB4 What did you use the money you borrowed for? - New white goods
1 = New white goods

QB4 What did you use the money you borrowed for? - Consumer electronics
1 = Consumer electronics

QB4 What did you use the money you borrowed for? - Helping a family member
1 = Helping a family member

QB4 What did you use the money you borrowed for? - Adult clothes
1 = Adult clothes

QB4 What did you use the money you borrowed for? - Other
1 = Other

QB5 And, can I just check, would you say that this purchase was something...
1 = That you definitely couldn't have gone without
2 = That you possibly could have gone without
3 = That you could have easily gone without

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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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? - ANY OF THESE (i.e. a-i)
1 = 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? - h) Loan from a friend or other acquaintance
1 = 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? - l) Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)
1 = 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.)
1 = p) Other retail credit - e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS, Carphone Warehouse e

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
1 = 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
1 = 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
1 = 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
1 = w) Can't remember

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Interest rate
1 = Interest rate

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Recommendation from family
1 = Recommendation from family

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Recommendation from friend
1 = Recommendation from friend

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Only option/ willing lender
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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)
1 = 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
1 = Friendly/ trustworthy

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Existing customer relationship
1 = Existing customer relationship

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Local
1 = Local

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Previously borrowed from them
1 = 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
1 = Other credit lines maxed out

QB8a Why did you decide to take out \ use this service rather than using an(y) alternative(s)? - Not aware of any other options
1 = 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
1 = Don't know

QB8b And which reason would you say was most important?
1 = Interest rate
2 = Recommendation from family
3 = Recommendation from friend
4 = Only option/ willing lender
5 = Didn't consider other options
6 = Saw adverts/ got direct mail
7 = They came to the door
8 = Quick to get cash
9 = Affordable/ convenient repayment plan
10 = Easy application process (e.g. few questions/ location)
11 = Friendly/ trustworthy
12 = Existing customer relationship
13 = Other
14 = Not aware of any other options
15 = Don't know

QB8c And can you tell me the name of the lender for this loan?
1 = Provident
2 = Brighthouse
3 = Buy as you view
4 = Wonga
5 = Quick Quid
6 = Greenwood
7 = High street bank
8 = Local credit union
9 = Moneyshop
10 = Sunny
11 = Satsuma
12 = Other
13 = Don't know \ Can't remember

QB9a And why did you choose to take out \ use this service from this lender specifically? - Family recommendation
1 = Family recommendation

QB9a And why did you choose to take out \ use this service from this lender specifically? - Friend recommendation
1 = Friend recommendation

QB9a And why did you choose to take out \ use this service from this lender specifically? - Already a customer
1 = Already a customer

QB9a And why did you choose to take out \ use this service from this lender specifically? - Agent came to door
1 = Agent came to door

QB9a And why did you choose to take out \ use this service from this lender specifically? - Seen advertising/ well-known
1 = Seen advertising/ well-known

QB9a And why did you choose to take out \ use this service from this lender specifically? - Didn't look elsewhere
1 = Didn't look elsewhere

QB9a And why did you choose to take out \ use this service from this lender specifically? - Only lender known
1 = Only lender known

QB9a And why did you choose to take out \ use this service from this lender specifically? - From internet search
1 = From internet search

QB9a And why did you choose to take out \ use this service from this lender specifically? - Payment terms/ fees etc.
1 = 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
1 = 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
1 = Speed of lending

QB10 How did you find out about the lender(s) you used? - Online\web search
1 = Online\web search

QB10 How did you find out about the lender(s) you used? - Saw the branch\shop locally
1 = Saw the branch\shop locally

QB10 How did you find out about the lender(s) you used? - Leaflets through the door\post
1 = Leaflets through the door\post

QB10 How did you find out about the lender(s) you used? - Door step caller
1 = Door step caller

QB10 How did you find out about the lender(s) you used? - Recommendation from a friend
1 = Recommendation from a friend

QB10 How did you find out about the lender(s) you used? - From an independent financial adviser or broker
1 = 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)
1 = Recommendation from professional (e.g. GP, social worker)

QB10 How did you find out about the lender(s) you used? - TV\radio advert
1 = TV\radio advert

QB10 How did you find out about the lender(s) you used? - Newspaper
1 = Newspaper

QB10 How did you find out about the lender(s) you used? - Other source of information
1 = Other source of information

QB10 How did you find out about the lender(s) you used? - None of these
1 = None of these

QB11 How much was the loan \ credit originally for? - Less than £50
1 = Less than £50

QB11 How much was the loan \ credit originally for? - £50 - £100
1 = £50 - £100

QB11 How much was the loan \ credit originally for? - £100 - £199
1 = £100 - £199

QB11 How much was the loan \ credit originally for? - £200 - £299
1 = £200 - £299

QB11 How much was the loan \ credit originally for? - £300 - £500
1 = £300 - £500

QB11 How much was the loan \ credit originally for? - £501 - £1000
1 = £501 - £1000

QB11 How much was the loan \ credit originally for? - £1,001 - £2,500
1 = £1,001 - £2,500

QB11 How much was the loan \ credit originally for? - £2,501 - £5,000
1 = £2,501 - £5,000

QB11 How much was the loan \ credit originally for? - £5,001 - £7,500
1 = £5,001 - £7,500

QB11 How much was the loan \ credit originally for? - £7,500 - £10,000
1 = £7,500 - £10,000

QB11 How much was the loan \ credit originally for? - More than £10,000
1 = More than £10,000

QB11 How much was the loan \ credit originally for? - Not answered
1 = Not answered

QB11 How much was the loan \ credit originally for? - £500 or less
1 = £500 or less

QB11 How much was the loan \ credit originally for? - £501 - £2,500
1 = £501 - £2,500

QB11 How much was the loan \ credit originally for? - More than £5,000
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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? - CONFIDENT
1 = 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
1 = NOT CONFIDENT

QC2 And since your first loan\credit agreement, would you say you have been...
1 = Continuously in debt\always had a loan
2 = In debt\had a loan most of the time
3 = In and out of debt frequently
4 = Rarely in debt\only taken out a couple or a few loans
5 = Refused

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?
1 = Less than £200
2 = £200 - £499
3 = £500 - £749
4 = £750 - £999
5 = £1,000 - £1,499
6 = £1,500 - £1,999
7 = £2,000 - £2,999
8 = £3,000 - £4,999
9 = £5,000 - £9,999
10 = £10,000 - £19,999
11 = £20,000 - £29,000
12 = £30,000 or more
13 = Don't know

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
1 = 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
1 = 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
1 = No

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
1 = 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
1 = 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
1 = Yes - but only rarely

QC5 Has this ever resulted in you taking out another loan after the initial one ended? - No - never
1 = No - never

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
1 = Yes - on more than one loan

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
1 = Yes - on one loan

QC7a Have you ever experienced any of the following? - a) I had to roll over my loan
1 = a) I had to roll over my loan

QC7a Have you ever experienced any of the following? - b) I missed one\multiple repayments
1 = b) I missed one\multiple repayments

QC7a Have you ever experienced any of the following? - c) I had to repay in reduced amounts
1 = 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
1 = 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
1 = e) I was declared bankrupt

QC7a Have you ever experienced any of the following? - f) I had a County Court Judgement (CCJ)
1 = 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
1 = 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))
1 = 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)
1 = 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 cha

QC7a Have you ever experienced any of the following? - j) Other
1 = j) Other

QC7a Have you ever experienced any of the following? - ANY OF THESE (i.e. a-j)
1 = ANY OF THESE (i.e. a-j)

QC7a Have you ever experienced any of the following? - FORMAL RESOLUTION (i.e. e-h)
1 = FORMAL RESOLUTION (i.e. e-h)

QC7b Do you know if the plan was any of the following... - I took out a consolidation loan
1 = 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)
1 = 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)
1 = I had a Debt Management Plan (DMP)

QC7b Do you know if the plan was any of the following... - I had an administration order
1 = I had an administration order

Summary Table: QC7a/QC7b Do you know if the plan was any of the following... - g) Agreed plan - I took out a consolidation loan
1 = 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)
1 = 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)
1 = 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)
1 = 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... - NO PLAN AGREED (i.e. a-j but not g)
1 = 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?
1 = 0
2 = 1
3 = 2-5
4 = 6-10
5 = 11-15
6 = 16-20

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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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? - £1,000 OR LESS
1 = £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
1 = £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
1 = £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
1 = £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
1 = MORE THAN £20,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - a) Less than £50
1 = a) Less than £50

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - b) £50 - £100
1 = b) £50 - £100

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - c) £100 - £199
1 = c) £100 - £199

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - d) £200 - £299
1 = d) £200 - £299

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - e) £300 - £500
1 = e) £300 - £500

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - f) £501 - £1,000
1 = f) £501 - £1,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - g) £1,001 - £2,500
1 = g) £1,001 - £2,500

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - h) £2,501 - £5,000
1 = h) £2,501 - £5,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - i) £5,001 - £7,500
1 = i) £5,001 - £7,500

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - j) £7,501 - £10,000
1 = j) £7,501 - £10,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - k) More than £10,000
1 = k) More than £10,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £500 OR LESS
1 = £500 OR LESS

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £501 TO £2,500
1 = £501 TO £2,500

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - £2,501 TO £5,000
1 = £2,501 TO £5,000

QD2b How much was the loan originally for? (REFERENCE CATEGORY LOAN) - MORE THAN £5,000
1 = 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] - Don't know \ not answered
1 = Don't know \ not answered

QD4b And can you tell me the name of the lender for this loan?
1 = Provident
2 = Brighthouse
3 = Buy as you view
4 = Wonga
5 = Quick Quid
6 = Greenwood
7 = High street bank
8 = Local credit union
9 = Moneyshop
10 = Sunny
11 = Satsuma
12 = Other
13 = Don't know / Refused / Can't remember

QD5 And why did you choose to take out this service from this lender specifically? - Previous good experience
1 = Previous good experience

QD5 And why did you choose to take out this service from this lender specifically? - Easy to get credit (checks etc.)
1 = Easy to get credit (checks etc.)

QD5 And why did you choose to take out this service from this lender specifically? - Convenient repayment plan
1 = Convenient repayment plan

QD6 How did you find out about the lender(s) you used? - Via Employer
1 = Via Employer

QD6 How did you find out about the lender(s) you used? - Advice organisation (e.g. Citizen's Advice, housing association)
1 = Advice organisation (e.g. Citizen's Advice, housing association)

QD6 How did you find out about the lender(s) you used? - I have had a good experience with this lender before
1 = I have had a good experience with this lender before

QD7 What did you use the money you borrowed for? - Don't know / Refused
1 = 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] - Don't know / Can't remember
1 = Don't know / Can't remember

QD8 And, can I just check, would you say that this purchase was something...
1 = That you definitely couldn't have gone without
2 = That you possibly could have gone without
3 = That you could have easily gone without
4 = None of these\too difficult to say
5 = Refused

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
1 = That you definitely couldn't have gone without

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
1 = That you possibly could have gone without

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
1 = That you could have easily gone without

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)
1 = f) Store card (not repaid immediately)

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Cheaper
1 = Cheaper

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Low/ no interest rates
1 = Low/ no interest rates

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Convenient
1 = Convenient

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Quick
1 = Quick

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Good customer service/ helpful
1 = Good customer service/ helpful

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - No other option
1 = No other option

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Good previous experience
1 = Good previous experience

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Safe/ trustworthy
1 = Safe/ trustworthy

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Easiest option
1 = Easiest option

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Because family would try to help in emergency
1 = 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.)
1 = 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
1 = Flexible/ good repayment rates/ arrangements

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Better than the alternatives
1 = Better than the alternatives

QE2 Why would you choose this option? (OPTION CHOSEN AT QE1 FOR EMERGENCY) - Don't know \ Can't say
1 = Don't know \ Can't say

QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Too expensive/ high interest
1 = Too expensive/ high interest

QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Don't like being hassled
1 = 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
1 = 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
1 = Trying to avoid borrowing

QE3 So why would you not take out this service? (REFERENCE CATEGORY) - Preferable/ easier to ask family
1 = 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
1 = See it as a lender of last resort

QE4a So how likely would you be to: Use this type of loan again? (REFERENCE CATEGORY LOAN)
1 = Definitely would
2 = Quite likely
3 = Quite unlikely
4 = Definitely not
5 = Don't know

QE4b So how likely would you be to: Recommend this type of loan to a friend or family member? (REFERENCE CATEGORY LOAN)
1 = Definitely would
2 = Quite likely
3 = Quite unlikely
4 = Definitely not

QF1 Overall, would you describe the impact of using a loan on your quality of life to date as having...
1 = Positive impact
2 = Mixed impact
3 = Negative impact
4 = No real impact

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
1 = 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
1 = 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)
1 = 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)
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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.
1 = 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
1 = 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
1 = 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
1 = 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? - ANY OF THESE (i.e. a-r)
1 = ANY OF THESE (i.e. a-r)

QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - No need/ not in bad debt
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = 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
1 = Prefer to deal with by self

QF4 Earlier you said that you have not consulted an external advice organisation about debt. Why is that? - Prefer not to say
1 = Prefer not to say

QG1 What is your ethnic group? - Welsh\English\Scottish\Northern Irish\British
1 = Welsh\English\Scottish\Northern Irish\British

QG1 What is your ethnic group? - Chinese
1 = Chinese

QG1 What is your ethnic group? - WHITE
1 = WHITE

QG1 What is your ethnic group? - NON-WHITE
1 = NON-WHITE

QG2 And which of the following best describes your household?
1 = No-one working in paid employment
2 = One person working part-time or occasionally
3 = One person working full-time, with no-one else working
4 = One person working full-time, with at least one other person working part-time or occasionally
5 = Two or more persons working full-time
6 = Other

QG3 What is your household's total income before tax (annual income range before deductions)?
1 = a) Below £8,000
2 = b) £8,000-£10,000
3 = c) £10,001-£12,000
4 = d) £12,001-£15,000
5 = e) £15,001-£20,000
6 = f) £20,001-£30,000
7 = g) £30,001-£50,000
8 = h) £50,001-£70,000
9 = Don't know
10 = Refused

QG4 And which of the following applies to your housing arrangements? - Own home outright
1 = Own home outright

QG4 And which of the following applies to your housing arrangements? - Own home with a mortgage
1 = Own home with a mortgage

QG4 And which of the following applies to your housing arrangements? - Rent from private landlord
1 = Rent from private landlord

QG4 And which of the following applies to your housing arrangements? - Rent from housing association
1 = Rent from housing association

QG4 And which of the following applies to your housing arrangements? - Rent from local authority
1 = 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)
1 = Living with family\friends (i.e. not renting\owning personally)

QG4 And which of the following applies to your housing arrangements? - Other living arrangement
1 = Other living arrangement

QG4 And which of the following applies to your housing arrangements? - OWNER
1 = OWNER

QG4 And which of the following applies to your housing arrangements? - SOCIAL HOUSING
1 = SOCIAL HOUSING

QG5 Do any of these apply to you or to anyone in your household? - a) Mobility impairment or other physical disability
1 = 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
1 = 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
1 = c) Learning disability

QG5 Do any of these apply to you or to anyone in your household? - d) Mental health problems
1 = 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
1 = e) Problems with drug or alcohol abuse

QG5 Do any of these apply to you or to anyone in your household? - f) Criminal record
1 = f) Criminal record

QG5 Do any of these apply to you or to anyone in your household? - g) In care \ care leaver
1 = g) In care \ care leaver

QG5 Do any of these apply to you or to anyone in your household? - h) None
1 = h) None

QG5 Do any of these apply to you or to anyone in your household? - ANY OF THESE (i.e. a-g)
1 = ANY OF THESE (i.e. a-g)

QG6 And finally, can you tell me the occupation of the chief income earner in your household?
1 = A
2 = B
3 = C1
4 = C2
5 = D
6 = E
7 = Refused

High cost credit loan reference category - Credit Union
1 = Credit Union

High cost credit loan reference category - Pay day loan
1 = Pay day loan

High cost credit loan reference category - Home credit / door step
1 = Home credit / door step

High cost credit loan reference category - Hire purchase / on finance
1 = Hire purchase / on finance

High cost credit loan reference category - ANY HIGH COST (B. C. D.)
1 = ANY HIGH COST (B. C. D.)

Region
1 = North Wales
2 = Mid and SW Wales
3 = SE Wales and Valleys

Age of respondent
1 = 18-24
2 = 25-44
3 = 45-64
4 = 65+

Social Grade 1
1 = AB
2 = C1
3 = C2
4 = DE

Social Grade 2
1 = ABC1
2 = C2DE

Financial Literacy (Q60a/b)
1 = Only 1 part correct - Q60a or Q60b
2 = Q60a + b both correct
3 = Neither correct

Working status in household
1 = No-one in paid emp.
2 = 1 person in paid emp.
3 = 2+ people in paid emp.

Tenure
1 = Owned (w / wo mortgage)
2 = Rented from Council or HA
3 = Rented privately
4 = Other

Ethnicity
1 = White
2 = Non-white

Children in household - Own - aged 15 or under
1 = Own - aged 15 or under

Children in household - Own - aged 16-21 in education
1 = Own - aged 16-21 in education

Children in household - Own - aged 16+ not in education
1 = Own - aged 16+ not in education

Children in household - Other - 21 or under
1 = Other - 21 or under

Children in household - No children in household
1 = No children in household

Limiting long term illness / disability in household - Yes
1 = Yes

Household income
1 = Below 8k
2 = 8-10k
3 = 10-15k
4 = 15-20k
5 = 20-30k
6 = 30k+

Highest amount ever in debt
1 = £1,000 or less
2 = £1000 to £2,999
3 = £3,000 or more

Number of loans currently have
1 = None
2 = 1
3 = 2 or more

Current amount of debt
1 = £1,000 or less
2 = £1,001 to £4,999
3 = £5,000 or more

Any difficulties repaying
1 = Yes - more than 1 loan
2 = Yes - 1 loan
3 = No

Type of first loan - Pay day
1 = Pay day

Type of first loan - Home credit
1 = Home credit

Type of first loan - Hire purchase
1 = Hire purchase

Type of first loan - ANY HIGH COST (A. B. C.)
1 = ANY HIGH COST (A. B. C.)

Life change - Loan 1 - Yes
1 = Loan 1 - Yes

Life change - Loan 1 - No
1 = Loan 1 - No

Life change - Latest loan - Yes
1 = Latest loan - Yes

Life change - Latest loan - No
1 = Latest loan - No

First loan - need
1 = Definitely NOT gone without
2 = Possibly gone without
3 = Easily gone without

Debt frequency
1 = In debt continuously / mostly
2 = In debt frequently
3 = In debt rarely

Household situation - Chronic health
1 = Chronic health

Household situation - Social care
1 = Social care

1 = Neither