1. Private Debt in the UK a panel presentation by Emma Bryn-Jones to the Rosa Luxemburg Foundation / EURODAD Conference Alternative Solutions to the Debt Crisis Friday 7 th March 2014

2. 8.8 million over-indebted adults undoubtedly vulnerable to low / reduced income distressed, distracted and / or financially vulnerable principally distressed that risk taking has backfired SOURCE: MONEY ADVICE SERVICE, INDEBTED LIVES, NOVEMBER 2013

3. Credit Outcomes Distribution Deficit Credit agreement

4. Comparing tenure of over-indebted people with English Housing Survey SOURCE: MONEY ADVICE SERVICE, INDEBTED LIVES, NOVEMBER 2013 SOURCE: COMMUNITIES & LOCAL GOVERNMENT, ENGLISH HOUSING SURVEY 2011-12

5. Payday loans as a percentage of unsecured lending SOURCE: OFFICE OF FAIR TRADING, PAYDAY LOAN MARKET INVESTIGATION, JULY 2013 total lending = fashion?unsecured lending = cosmetics?

6. The Independent17 October 2013 The cost of living crisis afflicting millions of Britains families is so bad that it is creating a personal debt crisis too. The prices families have to pay keep on rising faster and faster than the wages they are paid. And, as a result, the market in payday lending has doubled in just four years. http://www.independent.co.uk/news/uk/polit ics/labour-leader-ed-miliband-declares-tax- war-on-payday-lenders-8884944.html

7. Gender and age of over-indebted adults SOURCE: MONEY ADVICE SERVICE, INDEBTED LIVES, NOVEMBER 2013

8. Experiences of debt collection by gender and age SOURCE: ZERO-CREDIT, THE DEBT RESOLUTION FORUM 2013 CLIENT SURVEY

9. Solutions Optimise the collective, not your bias Empower the collective from within Make market forces count