德莫斯研究所-双重打击：绘制英国个人债务地图（英）-2022.2-24页.docxVIP

THE D UBLE WHAMMY MAPPING THE UK’S PERSONAL DEBT HARRY CARR AMELIA STEWART FEBRUARY 2022 PAGE PAGE 10 Open Access. Some rights reserved. Open Access. Some rights reserved. As the publisher of this work, Demos wants to encourage the circulation of our work as widely as possible while retaining the copyright. We therefore have an open access policy which enables anyone to access our content online without charge. Anyone can download, save, perform or distribute this work in any format, including translation, without written permission. This is subject to the terms of the Creative Commons By Share Alike licence. The main conditions are: Demos and the author(s) are credited including our web address www.demos.co.uk If you use our work, you share the results under a similar licence A full copy of the licence can be found at /licenses/ by-sa/3.0/legalcode You are welcome to ask for permission to use this work for purposes other than those covered by the licence. Demos gratefully acknowledges the work of Creative Commons in inspiring our approach to copyright. To find out more go to This project was supported by Lowell Published by Demos February 2022 ? Demos. Some rights reserved. 15 Whitehall, London, SW1A 2DD T: 020 3878 3955 hello@demos.co.uk www.demos.co.uk C NTENTS ACKNOWLEDGEMENTS PAGE 4 EXECUTIVE SUMMARY PAGE 5 INTRODUCTION PAGE 7 METHODOLOGY PAGE 8 ANALYSIS PAGE 10 RECOMMENDATIONS PAGE 18 ACKNOWLEDGEMENTS We would like to thank Lowell for their generous support for this project. Thanks to our colleagues at Demos for their crucial advice and support, and their comments on this report: Ben Glover, Polly Mackenzie, Maeve Thompson, Kosta Juri, Josh Tapper, Courtney Stephenson, Bibi Nubir, Heather Williams-Taplin and Andrew Phillips. Harry Carr and Amelia Stewart February 2022 EXECUTIVE EXECUTIVE SUMMARY Credit - frequently free to the wealthy to spend on luxury items and holidays - is often prohibitively expensive or simply non-exis