Wales Omnibus - reshare.ukdataservice.ac.ukreshare.ukdataservice.ac.uk/852437/2/B01510-2_June... ·...

.

Wales Omnibus

Prepared for: Young Foundation

Prepared by: Beaufort Research

High Cost Credit June 2015

Contact Details

Agency contact: Chris Timmins

Project: B01510-2

Date: July 2015 Beaufort Research

2 Museum Place Cardiff CF10 3BG

Tel: (029) 2037 8565 Fax: (029) 2037 0600

E-mail: [email protected]

www.beaufortresearch.co.uk Terms of Contract

Unless otherwise agreed, the findings of this study remain the copyright of Beaufort Research Ltd and may not be quoted, published or

reproduced without the company’s advance approval.

Approval to quote or publish will only be withheld on the grounds of inaccuracy or misrepresentation.

Any approved publication must detail: Beaufort Research Ltd as provider, sample size and field dates.

© Beaufort Research Ltd 2015

mailto:[email protected]

http://www.beaufortresearch.co.uk/

TECHNICAL NOTE ON SURVEY METHODOLOGY Sampling and Fieldwork Tabulations

The Omnibus sample is designed to be representative of the adult population resident in Wales aged 16 and over. The unit of sampling is Lower Layer Super Output Area (LSOA) and 69 interviewing points throughout the Wales are selected with probability proportional to resident population, after stratification by Local Authority and Social Grade. A fresh sample of interviewing locations is selected each wave. Within each sampling point, interlocking demographic quota controls of age and social class within sex are employed for the selection of respondents. Quotas are set to reflect the individual demographic profile of each selected point. A fresh sample of interviewing locations and individuals are selected for each survey and no more than one person per household is interviewed. Interviews are conducted face to face in the homes of respondents utilising CAPI (Computer Aided Personal Interviewing) technology. Beaufort’s experienced fieldworkers are used with postal and telephone back-checking in accordance with ISO 20252. The majority of fieldwork for the June 2015 survey took place between 8 and 21 June 2015, with the remainder conducted the following week. A total of 1,018 interviews were completed and analysed.

The data has been weighted by age group within gender within Local Authority grouping to give each cell (42) its correct incidence within the Wales total derived from the results of the 2011 Census. Tables are presented in the form of numbers and integer percentages with the unweighted and weighted sample base shown at the top of each column. Where the base is anything other than the total sample this is indicated underneath the table heading and follows logically from the question sequence and routing. Arithmetic rounding to whole numbers means that columns of percentages do not necessarily sum to exactly 100%. Where more than one answer can be given to a question the sum of percentages may exceed 100%. 0 denotes a weighted sample of less than 0.5 and 0% denotes a percentage of less than 0.5%. Where column bases are less than about 50, percentages need to be interpreted with care. A standard analysis of questions asked is provided as an integral part of the service involving demographic information collected as a matter of course towards the end of the interview. This breaks response down by classification variables (breakdowns) as shown overleaf.

CLASSIFICATION – PAGE 1

Name Description (as necessary) Region North Those living in Wrexham, Flintshire, Denbighshire, Conwy, Anglesey, Gwynedd Mid and South West Wales Those living in Powys, Ceredigion, Carmarthenshire, Pembrokeshire, Swansea, Neath & Port Talbot, Bridgend South East Wales & Valleys Those living in, Cardiff, Vale of Glamorgan, Rhondda Cynon Taff, Merthyr, Torfaen, Monmouthshire, Newport,

Caerphilly, Blaenau Gwent Gender Male Female Age of respondent 1 16-24 25-34 35-44 45-54 55-64 65-74 75+ Age of respondent 2 16-34 35-54 55+ Social grade 1 AB Those who live in households where the chief income earner is social grade A or B C1 Those who live in households where the chief income earner is social grade C1 C2 Those who live in households where the chief income earner is social grade C2 DE Those who live in households where the chief income earner is social grade D or E Social grade 2 ABC1 Those who live in households where the chief income earner is social grade A or B or C1 C2DE Those who live in households where the chief income earner is social grade C2 or D or E

CLASSIFICATION – PAGE 2 Name Description (as necessary) High cost credit user Any high cost credit user Those who have taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying

goods on finance or used Pawnbrokers or Guarantor loan or Logbook loan or Unofficial local lender in the last 12 months

High cost credit user of interest Those who have taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying goods on finance in the last 12 months

No high cost credit Those who have NOT taken out a Pay day loan company or Home credit / doorstep loan or Hire purchase / buying goods on finance or used Pawnbrokers or Guarantor loan or Logbook loan or Unofficial local lender in the last 12 months

Financial Literacy (Q60a/b) Q60a only correct Those who correctly stated that answer to Q60a = £110, but did not know the correct answer to Q60b Q60b only correct Those who correctly stated that answer to Q60b = £121, but did not know the correct answer to Q60a Q60a & b both correct Those who correctly stated that answer to both Q60a = £110 AND Q60b = £121 Neither correct Those who did not know the correct answer to either Q60a or Q60b

CLASSIFICATION – PAGE 3

Name Description (as necessary) Working status Full time Those working 30 hours or more per week Part time Those working less than 30 hours per week Unemployed – seeking Those who are unemployed but looking for work Full time student Those who are in full time education Other permanently not working Those who are none of the above categories but not looking for work – e.g. retired, looking after family Limiting long term illness / disability Yes Those who report they have a long term illness, health problem or disability that limits their daily activities or the

work that they do No Those who report they DO NOT have a long term illness, health problem or disability that limits their daily activities

or the work that they do

Ethnicity White Non-white Tenure Owned with or without mortgage Rented from Council or Housing Association Rented privately Other Children aged under 16 in household Yes Those living in households where at least one child 15 or under is present No Those living in households where there are NO children 15 or under are present

QUESTIONS ASKED

Page | 1

B01510-2 Wales Omnibus – June 2015 Young Foundation – High Cost Credit Survey – Wales Omnibus Questions FINAL

ASK ALL

Q1. Which of the following do you personally have? READ OUT

Yes No Don’t know Refused a) A bank or building society account in your own name or joint names 1 2 3 4

b) A post office card account 1 2 3 4 c) A credit union account 1 2 3 4 d) A credit card 1 2 3 4 e) Cash savings account 1 2 3 4 f) Any other savings account (e.g. an ISA) 1 2 3 4

ASK ALL

Q2. To what extent do you agree or disagree with the following statements? Please exclude mortgages when considering your responses. READ OUT [RANDOMISE ORDER]

a) There is no excuse for borrowing money

b) Borrowing money from doorstep lenders (e.g. The Provident) is common in my community

c) I would rather be in debt than change my lifestyle

d) You should always save up first before buying something

e) I know many people who have used payday loans

f) Debt is a normal part of today’s lifestyle

g) It is okay to be in debt if you can pay it off

h) As far as I know, close family and friends rarely borrow money or get into debt, excluding

mortgages

Scale: 1. Strongly agree 2. Tend to agree 3. Neither agree nor disagree 4. Tend to disagree 5. Strongly disagree

Page | 2

ASK ALL

SHOWCARD Q3. 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. Please tell me the letter next to the statement that best describes your situation. SINGLE CODE

A. I am keeping up with all bills and commitments without any difficulties B. I am keeping up with all bills and commitments, but it is a struggle from time to time C. I am keeping up with all bills and commitments, but it is a constant struggle D. I am falling behind with some bills or credit commitments E. I am having real financial problems and have fallen behind with many bills or credit

commitments

F. Don’t know [NOT ON SHOWCARD] G. Prefer not to say [NOT ON SHOWCARD]

ASK ALL

Q4. 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?

1. Yes 2. No

3. Don’t know [AS BUTTON - SPONTANEOUS RESPONSES ONLY] 4. Refused [AS BUTTON]

ASK ALL

SHOWCARD Q5. How easy would you find it to raise £200-£300 in an emergency without borrowing? SINGLE CODE.

A. Impossible B. Difficult C. Easy

D. Don’t know E. Refused

Page | 3

ASK ALL

SHOWCARD Q6a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months? Please just tell me the letter by the item. Which others? CODE ALL MENTIONED

A. Authorised/arranged overdraft facility B. Unauthorised overdraft facility C. Bank or building society loan D. Credit Union loan E. Credit card (not repaid immediately) F. Store card (not repaid immediately) G. Loan from a family member H. Loan from a friend or other acquaintance I. Pay day loan company (e.g. Wonga, QuickQuid) J. Guarantor loan (e.g. Amigo loan)

K. None of the above L. Refused

ASK ALL

SHOWCARD Q6b. And which of the following types of credit have you used in the last 12 months? Please just tell me the letter by the item. Which others? CODE ALL MENTIONED

M. Home Credit / Doorstep Loan (a company that collects payments from your home e.g. Provident)

N. Pawnbrokers (somewhere where you borrow money and leave goods e.g. Cash Convertors, Money Shop)

O. Log Book Loan (where you borrow money against the value of your vehicle) P. Mail Order catalogue / club book Q. Hire purchase/ buying goods on finance (e.g. BrightHouse, Pay-as-you-view) R. Other retail credit – e.g. via a retailer to buy furniture, sofas, mobile phones etc. (e.g. DFS,

Carphone Warehouse etc.) S. Local lender (unofficial)/or unlicensed lender (‘loan shark’) on which you had to pay interest T. DWP crisis loan or Social Fund loan/loan from ‘the Social’ U. Interest-free loan from Council or Job Centre V. Any other source of credit/ loan (please specify)

W. None of these X. Refused

Page | 4

ASK IF Q6a = H [loan from a friend or acquaintance]

Q7. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?

1. Yes 2. No

3. Don’t know 4. Refused

ASK IF Q6a = H [loan from a friend or acquaintance]

SHOWCARD Q8. And did they charge you interest?

1. Yes – I paid back what I owed plus more 2. Yes – I paid back what I owed plus a gift (e.g. bought them a pint) 3. No – I paid back what I owed and nothing else

4. Don’t know 5. Refused

ASK IF Q6a/b = ‘D’, ‘I’, ‘M’, OR ‘Q’ [Credit Union, pay day loan, home credit / doorstep loan, or hire purchase/finance]

Q9. You said you had taken out the credit with the following:

[SCRIPT TO RECALL OPTIONS ‘D’, ‘I’, ‘M’, OR ‘Q’ IF SELECTED AT Q6a/b]

Which of these do you currently still have credit with? CODE ALL MENTIONED [LIST TO ONLY SHOW OPTIONS SELCECTED AT Q6a/b]

D. Credit Union loan I. Pay day loan company M. Home Credit / Doorstep Loan Q. Hire purchase/ buying goods on finance X. None of these Y. Don’t know Z. Refused

Page | 5

ASK ALL

READ OUT: The next section is more like a quiz. The questions are not designed to catch you out so if you think you have the right answers, you probably do. If you don’t know the answer, please just say so.

ASK ALL

SHOWCARD [text below]

• A loan of £100. • An interest rate of 10% per month. • No other fees.

Q10. 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?

INTERVIEWER: IF RESPONDENT GIVES ANSWER LESS THAN £100, ASK: “Is that in total, including the original loan amount (£100) and interest charged (10%)?” IF ANSWER IS STILL LESS THAN £100, CODE GIVEN AMOUNT.

INTERVIEWER: PLEASE ENTER RESPONSE IN POUNDS

[SCRIPTER: NUMERIC RESPONSE. RANGE = 0-9999]

pounds Don’t know Refused

ASK IF NUMERIC RESPONSE GIVEN AT Q10 (I.E. NOT DK OR REF)

Q11a. 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?

INTERVIEWER: PLEASE ENTER RESPONSE IN POUNDS

[SCRIPTER: NUMERIC RESPONSE. RANGE = 0-9999]

pounds Don’t know Refused

Page | 6

ASK IF DON’T KNOW OR REFUSED AT Q11a

Q11b. Do you think it would it be… READ OUT

A. Less than £120 B. Exactly £120 C. Or more than £120? D. Don’t know E. Refused

Standard house questions to include:

A. Gender B. Age C. Region (LA) D. Working status E. Social grade F. Children in household G. Permission to re-contact

sn015102xsn015102x WALES OMNIBUS SURVEY - JUNE 2015 WALES OMNIBUS SURVEY - JUNE 2015 Page:1Page:1

© Beaufort Research Limited, 2015© Beaufort Research Limited, 2015

Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1

A. AB B. C1 C. C2 D. DE

SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

91890%

21393%

---

31591%

---

39088%

---

44389%

--

47591%

--

12085%

--c----

14291%

-------

16293%

a---e--

14591%

-------

9884%

--c----

13592%

-------

11793%

-------

26388%

---

30692%

---

34990%

---

15095%---D

24790%----

17894%---d

33887%A-c-

39792%

--

51689%

--

747%

146%--c

123%--C

4911%aB-

418%

--

336%

--

1813%

-----Fg

127%

-------

116%

-------

138%

-------

1211%

-----f-

43%

A---e--

44%

a------

3010%

--c

247%---

215%a--

42%---D

187%---d

63%---D

4512%AbC-

225%-b

519%a-

30%

--

---

--

---

31%---

--

--

31%

--

11%

-------

11%

-------

--

-------

--

-------

--

-------

--

-------

11%

-------

21%---

--

---

10%---

--

----

10%----

11%----

10%----

10%

--

20%

--

232%

31%-b-

195%a-C

10%-B-

112%

--

122%

--

22%

-------

11%

-------

10%

----ef-

21%

-------

65%

--c----

75%

--c----

43%

-------

31%--c

21%--C

174%aB-

43%----

93%----

42%----

51%----

133%

--

92%

--



Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

High cost credit userA. ANY HIGH

COST CREDITUSER

B. HIGH COSTCREDIT USEROF INTEREST

C. NO HIGHCOST CREDIT

Q60a/b. Financial literacy

A. Q60a onlycorrect

B. Q60b onlycorrect

C. Q60a & b bothcorrect D. Neither correct

Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

91890%

5985%

---

5487%

---

85991%

---

46189%--C-

568%--c-

24396%Ab-D

20987%--C-

747%

1015%

--c

813%

---

647%a--

316%

-b-D

232%a-C-

104%

-B-D

3113%A-C-

30%

--

---

--

---

30%---

31%----

--

----

--

----

--

----

232%

--

---

--

---

232%---

214%

--Cd

--

----

10%

A---

10%a---



Analysis..: Q51i. Which of the following do you personally have? - A bank or building society account in your own name or joint namesBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status

A. Full time B. Part time

C. Unempl-oyed -

seekingD. Full time

student

E. Otherpermanentlynot working

Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other

Children (under16) in household

A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

91890%

30494%

--CDe

14994%--cD-

6884%

Ab-d-

2465%

ABc-E

37289%a--D-

26188%

--

65691%

--

89390%

--

2493%

--

49293%---D

29089%---D

11590%---d

1165%ABc-

32891%

--

58890%

--

747%

155%

--CD-

64%

--CD-

1214%

AB-d-

1232%

ABc-E

307%

---D-

3010%

-b

446%a-

727%

--

27%

--

204%

-B-D

3410%A--D

108%---D

635%

ABC-

278%

--

467%

--

30%

--

-----

11%

-----

--

-----

--

-----

20%

-----

10%

--

20%

--

20%

--

--

--

20%----

10%----

--

----

--

----

21%

--

10%

--

232%

62%

-----

21%

-----

22%

-----

13%

-----

133%

-----

41%

--

183%

--

232%

--

--

--

183%-B--

--

A-c-

32%-b--

--

----

41%

--

193%

--



Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

13914%

2310%

--c

3711%

--C

7918%aB-

5711%

--

8216%

--

96%

---D--G

1811%

------g

2213%

-------

2617%

A------

1614%

-------

2014%

-------

2822%

Ab-----

279%-bC

4915%

a--

6416%A--

128%---D

3412%----

2212%----

7118%A---

4611%

-b

9316%

a-

84283%

20389%-Bc

27780%A--

36282%

a--

42385%

-b

42080%

a-

13192%

--cdEFG

13586%

------g

14483%

a------

13082%

a------

9280%

A------

11780%

A------

9374%

Ab-----

26689%-bC

27583%

a--

30278%A--

13686%----

23084%----

16286%----

30779%----

36785%

--

46981%

--

20%

--

---

10%---

10%---

--

--

20%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

22%

-------

--

---

--

---

20%---

--

----

10%----

--

----

10%----

10%

--

10%

--

353%

31%-B-

319%A-C

10%-B-

153%

--

204%

--

22%

-------

42%

-------

64%

-------

22%

-------

86%

-------

96%

-------

43%

-------

62%---

93%---

205%---

106%----

104%----

53%----

113%----

194%

--

163%

--



Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

13914%

1217%

---

1016%

---

12713%

---

6513%----

112%----

2912%----

4418%----

84283%

5883%

---

5384%

---

78483%

---

41781%--c-

688%----

22488%a--d

19581%--c-

20%

--

---

--

---

20%---

10%----

--

----

--

----

10%----

353%

--

---

--

---

354%---

336%

--CD

--

----

--

A---

21%

A---



Analysis..: Q51ii. Which of the following do you personally have? - A post office card accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

13914%

309%

----E

1711%----e

1417%-----

13%

----e

7718%

Ab-d-

6221%

-B

7711%

A-

13714%

--

28%

--

5510%-B--

6821%A-c-

1411%-b--

214%----

3510%

-B

10416%

A-

84283%

28688%----E

13485%-----

6580%-----

3594%----e

32277%

A--d-

22676%

-B

61585%

A-

81783%

--

2389%

--

45085%-b--

25579%a---

10784%----

1486%----

31788%

-B

52280%

A-

20%

--

-----

--

-----

--

-----

--

-----

20%

-----

21%

--

--

--

10%

--

--

--

20%----

--

----

--

----

--

----

--

--

20%

--

353%

82%

-----

74%

-----

23%

-----

13%

-----

174%

-----

72%

--

284%

--

343%

--

13%

--

255%-B--

20%

A-C-

65%-B--

--

----

103%

--

254%

--



Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

505%

104%---

185%---

225%---

184%

--

316%

--

22%

--c----

117%

------g

158%a----fG

117%

------g

76%

------g

32%

--c----

10%

-bCde--

134%---

268%--C

113%-B-

11%

-b-D

156%a---

84%----

267%

A---

164%

--

336%

--

92591%

21795%

-B-

29284%A-C

41694%

-B-

45792%

--

46889%

--

13595%

--c-e--

14190%

-------

15288%

a------

14591%

-------

9985%

a-----g

13492%

-------

11894%

----e--

27693%

---

29789%

---

35191%

---

14793%----

24589%----

17593%----

35190%----

39291%

--

52691%

--

51%

--

---

10%---

41%---

20%

--

31%

--

22%

-------

--

-------

--

-------

--

-------

11%

-------

--

-------

22%

-------

21%---

--

---

31%---

--

----

31%----

--

----

20%----

31%

--

20%

--

384%

31%-B-

3510%A-C

10%-B-

173%

--

214%

--

22%

----e--

53%

-------

64%

-------

22%

----e--

87%

a--d---

96%

-------

54%

-------

72%--c

93%---

226%a--

106%----

114%----

63%----

123%----

215%

--

173%

--



Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

505%

69%---

610%

---

445%---

326%--c-

17%----

73%a---

114%----

92591%

6390%

---

5790%

---

86291%

---

44687%--Cd

793%----

24797%A--d

22593%a-c-

51%

11%---

--

---

40%---

10%----

--

----

--

----

42%----

384%

--

---

--

---

384%---

367%

--CD

--

----

--

A---

21%

A---



Analysis..: Q51iii. Which of the following do you personally have? - A credit union accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

505%

155%

-----

96%

-----

89%

-----

--

-----

184%

-----

186%

--

324%

--

465%-b

415%

a-

143%

-BC-

237%

A---

119%

A---

14%----

278%-B

223%A-

92591%

29892%-----

14189%-----

7188%-----

3697%-----

37891%-----

26891%

--

65591%

--

90191%

--

2182%

--

48691%----

29892%----

10986%----

1696%----

32489%

--

59892%

--

51%

21%

-----

--

-----

--

-----

--

-----

31%

-----

31%

--

20%

--

40%

--

--

--

41%----

10%----

--

----

--

----

--

--

51%

--

384%

93%

-----

85%

-----

23%

-----

13%

-----

184%

-----

72%

--

314%

--

374%

--

13%

--

285%-B--

20%

A-C-

76%-B--

--

----

113%

--

284%

--



Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

40540%

8236%

---

14442%

---

17941%

---

21243%

--

19337%

--

1712%

-BCD-EFG

5233%

A--D-F-

7644%

A------

8352%

AB-----

4741%

A------

7753%

AB-----

5342%

A------

6923%-BC

15948%A--

17746%A--

8956%-bCD

12646%a--D

7842%A--D

11128%

ABC-

21550%

-B

18933%

A-

56756%

14362%

-B-

16247%A-C

26259%

-B-

26253%

--

30558%

--

12185%

-BCD-EFG

10064%

A-cDeF-

9052%

Ab---f-

7246%

AB-----

5951%

Ab-----

5840%

ABc----

6653%

A------

22174%-BC

16349%A--

18447%A--

6038%-bCD

13850%a--D

10254%A--D

26367%

ABC-

19746%

-B

36563%

A-

10%

--

---

10%---

--

---

--

--

10%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

11%

-------

--

---

--

---

10%---

--

----

--

----

--

----

10%----

--

--

10%

--

454%

42%-B-

3911%A-C

10%-B-

214%

--

245%

--

32%

-------

53%

-------

74%

-------

32%

----e--

98%

---d---

117%

-------

65%

-------

83%--c

113%--c

267%ab-

106%----

114%----

84%----

154%----

215%

--

244%

--



Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

40540%

2131%

---

1829%

---

38440%

---

17634%--C-

573%----

14557%A--D

7832%--C-

56756%

4869%

--c

4471%

--c

51955%ab-

29658%--Cd

227%----

10843%A--D

16066%a-C-

10%

--

---

--

---

10%---

--

----

--

----

--

----

10%----

454%

--

---

--

---

455%---

438%

--CD

--

----

--

A---

21%

A---



Analysis..: Q51iv. Which of the following do you personally have? - A credit cardBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

40540%

15849%

--CDe

6239%

--CD-

1620%

AB--E

39%

AB--E

16640%

a-CD-

10234%

-b

30342%

a-

39540%

--

933%

--

27451%-BCD

8125%A---

4435%A---

215%A---

14941%

--

25639%

--

56756%

15548%

--CD-

8755%

--CD-

6276%

AB--E

3288%

AB--E

23055%

--CD-

18462%

-B

38253%

A-

55156%

--

1556%

--

22843%-BCD

23974%A-C-

7458%AB--

1485%A---

19955%

--

36556%

--

10%

--

-----

--

-----

--

-----

--

-----

10%

-----

10%

--

--

--

10%

--

--

--

10%----

--

----

--

----

--

----

--

--

10%

--

454%

114%

-----

96%

-----

34%

-----

13%

-----

205%

-----

93%

--

365%

--

424%

--

311%

--

296%-B--

41%

A-C-

97%-B--

--

----

134%

--

315%

--



Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

46045%

11952%

-B-

13539%A-c

20747%

-b-

22946%

--

23144%

--

4431%

--CD-FG

5837%---d-

FG

8046%

A------

7950%

Ab-----

4942%

-----f-

8357%

AB--e--

6854%

AB-----

10134%-BC

15848%A--

20152%A--

10667%-BCD

14653%A-cD

7841%Ab--

12933%AB--

25258%

-B

20636%

A-

50750%

10646%

---

16949%

---

23353%

---

24449%

--

26350%

--

9567%

--CDE-FG

9460%---d-

FG

8649%A----F-

7648%

Ab---f-

5850%

A----f-

5034%

ABCd-e--

5039%

AB-----

18963%-BC

16149%A-c

15740%Ab-

4026%-BCD

11642%A-cD

10254%Ab--

24463%AB--

15736%

-B

34560%

A-

40%

--

---

21%---

20%---

10%

--

31%

--

--

-------

--

-------

--

-------

11%

-------

--

-------

11%

-------

22%

-------

--

---

10%---

31%---

11%----

10%----

11%----

10%----

21%

--

20%

--

465%

42%-B-

4112%A-C

10%-B-

214%

--

265%

--

32%

-------

53%

-------

85%

-------

32%

----ef-

98%

---d---

128%

---d---

65%

-------

83%--c

113%---

277%a--

107%----

114%----

84%----

164%----

225%

--

254%

--



Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

46045%

2435%

---

2336%

---

43646%

---

23546%-bcD

793%a--D

13955%a--D

7933%

ABC-

50750%

4565%

--c

4064%

--c

46249%ab-

23345%---D

17%---D

11545%---D

15966%

ABC-

40%

--

---

--

---

40%---

31%----

--

----

--

----

10%----

465%

--

---

--

---

465%---

449%

--CD

--

----

--

A---

21%

A---



Analysis..: Q51v. Which of the following do you personally have? - Cash savings accountBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

46045%

16852%

-bCD-

6541%a-C--

1720%

AB--E

1027%

A---e

20148%--Cd-

12341%

--

33747%

--

44545%

--

1453%

--

31058%-BCD

10633%A---

4132%A---

18%

A---

14841%

--

31047%

--

50750%

14545%

--CD-

8252%--C--

6176%

AB--E

2670%

A---E

19246%

--CD-

16054%

--

34648%

--

49750%

--

1037%

--

18936%-BCD

21466%A---

7660%A--d

1592%A-c-

19955%

-b

30847%

a-

40%

--

-----

11%

-----

--

-----

--

-----

31%

-----

31%

--

10%

--

30%

--

--

--

31%----

--

----

11%----

--

----

10%

--

30%

--

465%

114%

-----

106%

-----

34%

-----

13%

-----

215%

-----

103%

--

365%

--

444%

--

311%

--

306%-B--

52%

A-C-

97%-B--

--

----

144%

--

325%

--



Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

31631%

6428%

---

10129%

---

15034%

---

15832%

--

15830%

--

2115%

--cDEFG

3623%----

eFG

4526%a----FG

4830%A----Fg

4035%

Ab---f-

7249%

ABCD-e--

5342%

ABCd---

5719%-bC

9328%a-C

16543%AB-

8151%-BCD

9936%A--D

5428%A--d

8021%ABc-

17941%

-B

13423%

A-

65064%

16070%

-B-

20158%A-c

28965%

-b-

31664%

--

33464%

--

11782%

--CDE-FG

11574%----

EFG

11969%A---eFG

10767%A----FG

6556%ABc-

-f-

6243%

ABCD-e--

6551%

ABCD---

23278%-BC

22668%A-C

19250%AB-

6742%-BCD

16359%A--D

12566%A--d

29175%ABc-

23053%

-B

41672%

A-

40%

--

---

41%---

10%---

--

--

41%

--

--

-------

21%

-------

--

-------

--

-------

11%

-------

--

-------

21%

-------

21%---

--

---

31%---

--

----

31%----

10%----

10%----

31%

--

20%

--

485%

42%-B-

4112%A-C

21%-B-

214%

--

275%

--

43%

-------

42%

-----f-

95%

-------

43%

-------

98%

-------

128%

-b-----

65%

-------

83%--c

134%---

277%a--

107%----

104%----

95%----

174%----

215%

--

275%

--



Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

31631%

1217%

--c

1219%

--c

30432%ab-

13727%--C-

337%----

11646%A--D

6025%--C-

65064%

5883%

--C

5181%

--C

59363%AB-

33164%--cd

563%----

13854%a--D

17773%a-C-

40%

--

---

--

---

40%---

20%----

--

----

--

----

31%----

485%

--

---

--

---

485%---

469%

--CD

--

----

--

A---

21%

A---



Analysis..: Q51vi. Which of the following do you personally have? - Any other savings account (e.g. an ISA)Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

31631%

10231%--C--

4428%--c--

1214%

Ab--E

617%----e

15337%--Cd-

8830%

--

22732%

--

30431%

--

1039%

--

23745%-BCd

4213%A-C-

3024%AB--

316%a---

8323%

-B

23236%

A-

65064%

20764%--C--

10466%--c--

6682%

Ab--E

2980%----e

24258%--Cd-

19666%

--

45363%

--

63564%

--

1350%

--

25949%-BCd

27785%A-C-

8869%AB--

1484%a---

26573%

-B

38258%

A-

40%

31%

-----

--

-----

--

-----

--

-----

20%

-----

21%

--

30%

--

40%

--

--

--

41%----

--

----

11%----

--

----

10%

--

41%

--

485%

134%

-----

106%

-----

34%

-----

13%

-----

215%

-----

103%

--

385%

--

455%

--

311%

--

326%-B--

52%

A-c-

86%-b--

--

----

123%

--

355%

--



Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

A bank or building societyaccount in your ow n name or

joint names

Cash savings account

A credit card

Any other savings account(e.g. an ISA)

A post off ice card account

A credit union account

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

91890%

21393%

---

31591%

---

39088%

---

44389%

--

47591%

--

12085%

--c----

14291%

-------

16293%

a---e--

14591%

-------

9884%

--c----

13592%

-------

11793%

-------

26388%

---

30692%

---

34990%

---

15095%---D

24790%----

17894%---d

33887%A-c-

39792%

--

51689%

--

46045%

11952%

-B-

13539%A-c

20747%

-b-

22946%

--

23144%

--

4431%

--CD-FG

5837%---d-

FG

8046%

A------

7950%

Ab-----

4942%

-----f-

8357%

AB--e--

6854%

AB-----

10134%-BC

15848%A--

20152%A--

10667%-BCD

14653%A-cD

7841%Ab--

12933%AB--

25258%

-B

20636%

A-

40540%

8236%

---

14442%

---

17941%

---

21243%

--

19337%

--

1712%

-BCD-EFG

5233%

A--D-F-

7644%

A------

8352%

AB-----

4741%

A------

7753%

AB-----

5342%

A------

6923%-BC

15948%A--

17746%A--

8956%-bCD

12646%a--D

7842%A--D

11128%

ABC-

21550%

-B

18933%

A-

31631%

6428%

---

10129%

---

15034%

---

15832%

--

15830%

--

2115%

--cDEFG

3623%----

eFG

4526%a----FG

4830%A----Fg

4035%

Ab---f-

7249%

ABCD-e--

5342%

ABCd---

5719%-bC

9328%a-C

16543%AB-

8151%-BCD

9936%A--D

5428%A--d

8021%ABc-

17941%

-B

13423%

A-

13914%

2310%

--c

3711%

--C

7918%aB-

5711%

--

8216%

--

96%

---D--G

1811%

------g

2213%

-------

2617%

A------

1614%

-------

2014%

-------

2822%

Ab-----

279%-bC

4915%

a--

6416%A--

128%---D

3412%----

2212%----

7118%A---

4611%

-b

9316%

a-

505%

104%---

185%---

225%---

184%

--

316%

--

22%

--c----

117%

------g

158%a----fG

117%

------g

76%

------g

32%

--c----

10%

-bCde--

134%---

268%--C

113%-B-

11%

-b-D

156%a---

84%----

267%

A---

164%

--

336%

--



Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

None of these

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

606%

94%---

237%---

286%---

347%

--

265%

--

1813%

-bCD-f-

74%

a------

74%

A------

43%

A------

108%

-------

75%

a------

75%

-------

258%-b-

113%a--

236%---

64%----

176%----

106%----

256%----

235%

--

366%

--



Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect



joint names


A credit card




None of these

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

91890%

5985%

---

5487%

---

85991%

---

46189%--C-

568%--c-

24396%Ab-D

20987%--C-

46045%

2435%

---

2336%

---

43646%

---

23546%-bcD

793%a--D

13955%a--D

7933%

ABC-

40540%

2131%

---

1829%

---

38440%

---

17634%--C-

573%----

14557%A--D

7832%--C-

31631%

1217%

--c

1219%

--c

30432%ab-

13727%--C-

337%----

11646%A--D

6025%--C-

13914%

1217%

---

1016%

---

12713%

---

6513%----

112%----

2912%----

4418%----

505%

69%---

610%

---

445%---

326%--c-

17%----

73%a---

114%----

606%

46%---

24%---

566%---

398%--C-

--

----

63%

A---

146%----



Analysis..: Q51. Summary: Which of the following do you personally have?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No


joint names


A credit card




None of these

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

91890%

30494%

--CDe

14994%--cD-

6884%

Ab-d-

2465%

ABc-E

37289%a--D-

26188%

--

65691%

--

89390%

--

2493%

--

49293%---D

29089%---D

11590%---d

1165%ABc-

32891%

--

58890%

--

46045%

16852%

-bCD-

6541%a-C--

1720%

AB--E

1027%

A---e

20148%--Cd-

12341%

--

33747%

--

44545%

--

1453%

--

31058%-BCD

10633%A---

4132%A---

18%

A---

14841%

--

31047%

--

40540%

15849%

--CDe

6239%

--CD-

1620%

AB--E

39%

AB--E

16640%

a-CD-

10234%

-b

30342%

a-

39540%

--

933%

--

27451%-BCD

8125%A---

4435%A---

215%A---

14941%

--

25639%

--

31631%

10231%--C--

4428%--c--

1214%

Ab--E

617%----e

15337%--Cd-

8830%

--

22732%

--

30431%

--

1039%

--

23745%-BCd

4213%A-C-

3024%AB--

316%a---

8323%

-B

23236%

A-

13914%

309%

----E

1711%----e

1417%-----

13%

----e

7718%

Ab-d-

6221%

-B

7711%

A-

13714%

--

28%

--

5510%-B--

6821%A-c-

1411%-b--

214%----

3510%

-B

10416%

A-

505%

155%

-----

96%

-----

89%

-----

--

-----

184%

-----

186%

--

324%

--

465%-b

415%

a-

143%

-BC-

237%

A---

119%

A---

14%----

278%-B

223%A-

606%

124%

--cD-

75%

---D-

810%a--d-

1029%

ABc-E

225%

---D-

165%

--

446%

--

576%

--

15%

--

285%---D

144%---D

75%---D

427%

ABC-

216%

--

396%

--



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree

Neither agree nor disagree

Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

495%

94%---

195%---

215%---

194%

--

306%

--

43%

-----f-

43%

----ef-

21%----EFg

74%

-------

109%

-bC----

139%

abC----

97%

--c----

83%--C

93%--C

328%AB-

43%----

114%----

116%----

215%----

164%

--

336%

--

13013%

198%-b-

5315%

a--

5813%

---

6313%

--

6613%

--

2014%

-------

149%

------g

1810%

------g

1812%

-------

1513%

-------

2014%

-------

2419%

-bc----

3411%

---

3611%

---

5915%

---

149%---d

269%---d

2513%----

6316%ab--

409%-B

8715%

A-

18718%

4620%

---

5516%

---

8620%

---

8918%

--

9919%

--

3827%

--C----

3019%

-------

2213%

A------

2817%

-------

2118%

-------

2417%

-------

2520%

-------

6723%

-b-

5015%

a--

7018%

---

2315%----

5018%----

3720%----

7820%----

7317%

--

11520%

--

45845%

10646%

-b-

12636%a-C

22651%

-B-

23648%

--

22242%

--

4733%

-BCd-f-

8152%

A-----g

9152%

A-----g

7447%

a------

5144%

-------

6746%

a------

4737%

-bc----

12943%

---

16550%

---

16543%

---

9359%--CD

13850%--cD

7439%Ab--

15339%AB--

23053%

-B

22739%

A-

15715%

4319%

--C

7221%

--C

4210%AB-

7014%

--

8717%

--

2820%

------g

2114%

-------

3922%

-----fG

2616%

-------

1513%

-------

1611%

--c----

1210%

a-C----

4917%

---

6519%

--C

4311%

-B-

2114%----

4014%----

3317%----

6116%----

6114%

--

9416%

--

333%

52%-b-

216%a-C

82%-B-

173%

--

173%

--

54%

-------

53%

-------

21%

-------

64%

-------

33%

-------

53%

-------

65%

-------

114%---

83%---

144%---

21%----

103%----

95%----

123%----

123%

--

224%

--

30%

10%---

10%---

10%---

10%

--

20%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

32%

-------

--

---

--

---

31%---

--

----

10%----

--

----

20%----

10%

--

20%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

17918%

2812%

-b-

7221%

a--

7918%

---

8217%

--

9618%

--

2417%

-------

1812%----efG

2011%----

eFG

2516%

-------

2522%

-bc----

3323%

-bC----

3326%

-BC----

4214%

--C

4514%

--C

9124%AB-

1912%---d

3714%---d

3619%----

8422%ab--

5613%

-B

12021%

A-

61660%

14965%

---

19857%

---

26961%

---

30662%

--

31059%

--

7553%

-bC----

10366%

a-----G

13075%

A--dEFG

10063%

--c---g

6657%

--C----

8357%

--C----

5947%

-BCd---

17860%

-b-

22969%a-C

20954%

-B-

11472%--CD

17765%---d

10756%A---

21455%Ab--

29167%

-B

32155%

A-



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

495%

34%---

34%---

475%---

235%---d

--

----

52%---D

218%

a-C-

13013%

58%---

34%---

12413%

---

7715%--C-

17%----

166%

A--D

3615%--C-

18718%

1318%

---

1015%

---

17518%

---

10019%--c-

225%----

3313%a--d

5222%--c-

45845%

3550%

---

3353%

---

42445%

---

23045%--c-

567%----

13553%a--D

8937%--C-

15715%

1319%

---

1321%

---

14415%

---

7314%--c-

--

----

5120%a---

3314%----

333%

22%---

23%---

323%---

122%----

--

----

135%----

83%----

30%

--

---

--

---

30%---

--

----

--

----

--

----

31%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

17918%

811%

---

59%---

17118%

---

10019%--C-

17%----

218%

A--D

5723%--C-



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

61660%

4868%

---

4674%

--c

56860%

-b-

30359%--Cd

567%----

18673%A--D

12251%a-C-



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

495%

83%

----e

85%

-----

45%

-----

25%

-----

276%

a----

186%

--

304%

--

495%

--

--

--

275%----

196%----

21%----

--

----

92%-b

406%a-

13013%

268%

---DE

138%

---De

810%---d-

1029%

ABc--

7217%

Ab---

4716%

--

8312%

--

12713%

--

28%

--

6312%----

4113%----

1613%----

318%----

3810%

--

9114%

--

18718%

5818%-----

3522%-----

1215%-----

514%-----

7718%-----

6020%

--

12818%

--

18218%

--

415%

--

8817%----

7222%----

1915%----

533%----

6318%

--

12419%

--

45845%

16751%

-b-de

6340%a----

3948%-----

1232%a----

17843%a----

13144%

--

32745%

--

43844%

-B

1973%

A-

25949%-B--

12438%A-c-

6350%-b--

850%----

16145%

--

29445%

--

15715%

5818%----E

3120%----E

1519%-----

720%-----

4411%

AB---

3311%

-b

12517%

a-

15716%

--

13%

--

7815%----

5216%----

2419%----

--

----

7721%

-B

8012%

A-

333%

82%

-----

74%

-----

23%

-----

--

-----

174%

-----

72%

--

274%

--

323%

--

--

--

153%----

155%----

33%----

--

----

134%

--

203%

--

30%

--

-----

--

-----

--

-----

--

-----

31%

-----

21%

--

10%

--

30%

--

--

--

20%----

10%----

--

----

--

----

--

--

30%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

17918%

3411%---DE

2113%---De

1215%---d-

1234%

ABc--

9824%

Ab---

6422%

-b

11316%

a-

17718%

--

28%

--

9017%----

6119%----

1814%----

318%----

4713%

-B

13120%

A-



Analysis..: Q52i. To what extent do you agree or disagree with the following statement? - There is no excuse for borrowing moneyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

61660%

22469%----E

9560%-----

5467%----e

1952%-----

22253%

A-c--

16455%

-b

45263%

a-

59560%

--

2077%

--

33663%-b--

17654%a-C-

8768%-B--

850%----

23866%

-B

37557%

A-



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

12412%

4921%-BC

288%A--

4811%A--

4910%

-b

7614%

a-

1511%

-------

2315%

-----fg

2917%-----FG

2415%

-----fG

1715%

-----fg

96%

-bCde--

65%

-bCD-e--

3913%

---

5416%

--C

328%-B-

85%---D

176%---D

2212%---d

7619%ABc-

256%-B

9817%

A-

20120%

3415%

--C

5917%

--c

10724%Ab-

9720%

--

10420%

--

2417%

-------

4126%-----FG

3721%

-------

3824%

-----fg

2622%

-------

1913%

-B-d---

1613%

-B-d---

6522%

---

7523%

--c

6116%

-b-

2113%---D

4215%---D

3619%----

10126%AB--

6315%

-B

13824%

A-

15315%

2812%

---

5315%

---

7216%

---

7816%

--

7514%

--

1812%

-------

2315%

-------

3118%

-------

2415%

-------

1513%

-------

2517%

-------

1613%

-------

4114%

---

5517%

---

5715%

---

2214%----

4316%----

2815%----

6116%----

6515%

--

8915%

--

16917%

3716%

---

4112%

--C

9120%

-B-

8417%

--

8516%

--

2719%

-------

2919%

-------

2715%

-------

2214%

-------

1916%

-------

2114%

-------

2419%

-------

5619%

---

4915%

---

6416%

---

3925%---D

5821%---D

3117%---d

3710%ABc-

9823%

-B

6912%

A-

20921%

4319%

-b-

9126%a-C

7517%

-B-

10321%

--

10620%

--

2920%

-b-----

149%a-

cDEFG

3420%

-b-----

3320%

-B-----

2824%

-B-----

3826%

-B-----

3225%

-B-----

4315%

--C

6720%

---

9825%A--

4730%---D

6122%---d

4323%---d

5715%Abc-

10725%

-B

10017%

A-

15916%

3716%

---

7321%

--C

4811%

-B-

8417%

--

7414%

--

2820%

--Cde--

2516%

-------

159%

A----FG

1811%

a----fg

119%a----FG

3322%

--CdE--

2923%

--CdE--

5318%

-B-

3310%A-C

7319%

-B-

2113%----

5219%----

2815%----

5614%----

7317%

--

8414%

--

40%

10%---

20%---

10%---

10%

--

30%

--

11%

-------

--

-------

--

-------

--

-------

--

-------

--

-------

32%

-------

10%---

--

---

31%---

--

----

21%----

--

----

20%----

20%

--

20%

--



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--

32532%

8336%

-B-

8625%A-C

15635%

-B-

14529%

--

17934%

--

3928%

-b-d---

6441%a----FG

6638%-----FG

6339%a----FG

4237%-----FG

2819%

-BCD-E--

2217%

-BCD-E--

10435%

--C

12839%

--C

9324%AB-

3019%--cD

5921%--cD

5931%ab-D

17745%

ABC-

8820%

-B

23541%

A-

37837%

8035%

---

13238%

---

16537%

---

18638%

--

19137%

--

5639%

-------

4428%----efG

6135%

-------

5434%

-------

4741%

-b-----

5941%

-b-----

5644%

-B-----

10033%

--c

11635%

---

16242%

a--

8654%-bCD

11943%a--D

7539%A--D

9524%

ABC-

20547%

-B

16929%

A-



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

12412%

2738%

--C

2641%

--C

9810%AB-

7114%--C-

--

----

177%

A--D

3615%--C-

20120%

2028%

---

1930%

--c

18119%

-b-

11422%----

--

----

4417%----

4217%----

15315%

58%---

35%--c

14816%

-b-

7715%----

113%----

4116%----

3514%----

16917%

912%

---

710%

---

16017%

---

7615%-B--

687%

A-CD

5120%-B--

3615%-B--

20921%

45%--C

46%--C

20522%AB-

9819%--c-

--

----

6726%a--d

4418%--c-

15916%

69%---

58%---

15316%

---

7915%----

--

----

3414%----

4619%----

40%

--

---

--

---

40%---

10%----

--

----

--

----

31%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

32532%

4666%

--C

4571%

--C

27929%AB-

18636%--C-

--

----

6124%A---

7832%----



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

37837%

1217%

--C

1016%

--C

36539%AB-

17434%-BC-

687%A--D

11746%A--D

8033%-BC-



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

12412%

289%

--C--

2113%--c--

2126%

Ab-DE

12%

--C--

5313%--C--

4515%

--

7911%

--

12413%

--

--

--

214%

-BC-

7724%A---

2520%A---

17%----

6518%

-B

599%A-

20120%

7423%-b---

2013%a-c--

2126%-b---

925%-----

7618%-----

5619%

--

14520%

--

19620%

--

414%

--

8817%-bc-

7423%a---

3225%a---

530%----

7822%

--

12119%

--

15315%

6019%--c--

2214%-----

56%

a----

412%-----

6115%-----

4716%

--

10615%

--

14915%

--

413%

--

7614%----

4614%----

2520%----

423%----

4312%

-b

11017%

a-

16917%

5918%-----

2415%---d-

1620%-----

1232%-b--E

5714%---D-

3813%

--

13018%

--

15916%

-B

1039%

A-

11522%-Bc-

3410%A---

1613%a---

214%----

5014%

--

11818%

--

20921%

6420%-----

3824%--c--

911%-b--e

617%-----

9222%--c--

5920%

--

15021%

--

20421%

--

520%

--

14127%-BCd

4815%A---

1713%A---

--

a---

7621%

--

13120%

--

15916%

3712%-b--e

3120%a----

911%-----

412%-----

7518%a----

5017%

--

10815%

--

15416%

--

414%

--

8817%----

4614%----

1310%----

426%----

4813%

--

11017%

--

40%

10%

-----

--

-----

--

-----

--

-----

31%

-----

21%

--

20%

--

40%

--

--

--

30%----

10%----

--

----

--

----

10%

--

30%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

32532%

10232%--C--

4226%--C--

4252%

AB-dE

1027%--c--

12931%--C--

10134%

--

22431%

--

32032%

--

414%

--

10920%-BC-

15147%A---

5745%A---

637%----

14340%

-B

18128%

A-



Analysis..: Q52ii. To what extent do you agree or disagree with the following statement? - Borrowing money from doorstep lenders (e.g. The Provident) is common in my communityBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

37837%

12338%-----

6240%-----

2531%-----

1849%-----

14936%-----

9733%

--

28139%

--

36237%

-b

1559%

a-

25648%-BCd

8125%A---

3326%A---

214%a---

12735%

--

24938%

--



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

212%

63%---

51%---

102%---

112%

--

92%

--

43%

-------

11%

-------

53%

-------

32%

-------

32%

-------

11%

-------

32%

-------

52%---

83%---

72%---

42%----

73%----

21%----

82%----

112%

--

102%

--

909%

209%-b-

144%a-C

5713%

-B-

5210%

--

387%

--

1913%

-----fg

1510%

-------

158%

-------

1711%

-------

108%

-------

85%

a------

76%

a------

3412%

--c

319%---

246%a--

128%----

207%----

2111%----

369%----

327%

--

5710%

--

889%

219%---

196%--c

4811%

-b-

4910%

--

397%

--

139%

-------

2013%

-------

159%

-------

106%

-------

109%

-------

96%

-------

119%

-------

3311%

---

258%---

308%---

128%----

2910%----

105%----

369%----

4110%

--

478%

--

26726%

4319%-bC

9227%

a--

13230%A--

12726%

--

14027%

--

3827%

-------

4730%

------g

4526%

-------

4729%

------g

3228%

-------

3424%

-------

2318%

-b-d---

8528%

---

9228%

---

9023%

---

4327%----

5620%---D

5027%----

11529%-B--

9823%

-b

16529%

a-

52151%

13659%

--C

19556%

--C

19143%AB-

24149%

--

28054%

--

6344%

-----Fg

7045%

-----Fg

9153%

-------

7648%

-----f-

5850%

-------

9162%

AB-d---

7358%

ab-----

13345%

--C

16750%

---

22157%A--

8453%----

15456%---d

9651%----

18648%-b--

23955%

-b

28149%

a-

283%

31%-b-

206%a-C

51%-B-

143%

--

143%

--

43%

-------

32%

-------

21%

-------

64%

-------

33%

-------

32%

-------

64%

-------

72%---

82%---

123%---

32%----

83%----

95%----

72%----

113%

--

163%

--

40%

10%---

21%---

10%---

10%

--

31%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

43%

-------

--

---

--

---

41%---

--

----

10%----

10%----

20%----

10%

--

30%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

11111%

2611%

-b-

195%a-C

6615%

-B-

6313%

--

489%

--

2316%

-----F-

1711%

-------

2011%

-------

2013%

-------

1211%

-------

96%

A------

108%

-------

4013%

--c

4012%

---

318%a--

1610%----

2710%----

2312%----

4411%----

4210%

--

6712%

--

78877%

17878%

---

28783%

--C

32373%

-B-

36874%

-b

42080%

a-

10171%

-----F-

11775%

-----f-

13679%

-------

12377%

-------

9078%

-------

12586%

Ab-----

9676%

-------

21873%

--c

25978%

---

31180%

a--

12780%----

21076%----

14677%----

30077%----

33778%

--

44677%

--



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

212%

34%---

35%---

182%---

61%---d

--

----

42%----

104%a---

909%

69%---

610%

---

849%---

408%--c-

--

----

3213%a---

187%----

889%

812%

---

46%---

808%---

418%----

118%----

3112%---d

156%--c-

26726%

2232%

---

2134%

---

24526%

---

13226%----

119%----

6124%----

7230%----

52151%

3042%

---

2743%

---

49252%

---

28555%--C-

563%----

11144%A---

12150%----

283%

11%---

12%---

273%---

112%--c-

--

----

145%

a--d

31%--c-

40%

--

---

--

---

40%---

10%----

--

----

10%----

21%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

11111%

913%

---

915%

---

10211%

---

479%--c-

--

----

3614%a---

2812%----



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

78877%

5274%

---

4977%

---

73778%

---

41781%--C-

682%----

17268%A--D

19380%--C-



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

212%

62%

-----

42%

-----

33%

-----

--

-----

82%

-----

52%

--

152%

--

212%

--

--

--

122%----

93%----

--

----

--

----

123%

--

91%

--

909%

309%

---d-

1510%-----

810%-----

823%a---E

287%

---D-

227%

--

689%

--

849%

--

417%

--

5210%----

247%----

108%----

320%----

339%

--

579%

--

889%

3410%-----

138%

-----

67%

-----

514%-----

317%

-----

217%

--

679%

--

828%

--

518%

--

336%-B--

4313%A-c-

86%-b--

421%----

308%

--

579%

--

26726%

8827%--C--

3019%--C--

3745%

AB--E

1130%-----

10024%--C--

7024%

--

19727%

--

25826%

--

934%

--

13325%----

8325%----

3931%----

321%----

9727%

--

16926%

--

52151%

15749%--c--

9258%--Cd-

2733%

aB--E

1233%-b--e

23356%--Cd-

17057%

-b

35049%

a-

51352%

--

832%

--

28554%----

15548%----

6853%----

638%----

18050%

--

33952%

--

283%

93%

-----

53%

-----

12%

-----

--

-----

133%

-----

62%

--

213%

--

273%

--

--

--

153%----

93%----

33%----

--

----

103%

--

183%

--

40%

--

-----

--

-----

--

-----

--

-----

41%

-----

10%

--

30%

--

40%

--

--

--

20%----

21%----

--

----

--

----

--

--

41%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

11111%

3611%-----

1912%-----

1113%-----

823%----e

369%

---d-

279%

--

8312%

--

10511%

--

417%

--

6312%----

3310%----

108%----

320%----

4412%

--

6610%

--



Analysis..: Q52iii. To what extent do you agree or disagree with the following statement? - I would rather be in debt than change my lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

78877%

24676%-----

12177%-----

6378%-----

2364%----e

33380%---d-

24081%

--

54776%

--

77178%

--

1766%

--

41879%----

23873%--c-

10784%-b-d

1058%--c-

27777%

--

50878%

--



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

31431%

7734%

---

10430%

---

13330%

---

13928%

--

17533%

--

5539%

-BCd---

3221%A----FG

3721%A----FG

4227%

a-----G

3530%

------g

5537%

-BC----

5947%

-BCD-e--

8729%

--c

7924%

--C

14838%aB-

5132%----

8129%----

5931%----

12031%----

13230%

--

18031%

--

40239%

8236%

---

13338%

---

18742%

---

21343%

-b

18836%

a-

5136%

-------

7045%

------G

8046%

------G

6843%

------G

4438%

-------

5437%

-------

3427%

-BCD---

12141%

---

14945%

--C

13134%

-B-

6340%----

10739%----

7037%----

16041%----

16939%

--

23040%

--

13513%

3314%

---

4413%

---

5913%

---

6613%

--

6913%

--

2014%

-------

2516%

-------

2414%

-------

2315%

-------

1613%

-------

139%

-------

1512%

-------

4415%

---

4814%

---

4311%

---

2113%----

3613%----

2011%----

5715%----

5713%

--

7613%

--

12112%

2712%

---

4012%

---

5412%

---

5611%

--

6512%

--

139%

-------

2113%

-------

2514%

-------

1912%

-------

1714%

-------

1913%

-------

86%

-------

3411%

---

4313%

---

4411%

---

2013%----

3814%----

2513%----

3810%----

5813%

--

6211%

--

222%

73%---

103%---

51%---

92%

--

132%

--

11%

-------

53%

-------

64%

-------

11%

-------

21%

-------

32%

-------

43%

-------

62%---

72%---

92%---

21%----

52%----

84%----

82%----

72%

--

163%

--

222%

31%---

154%--C

41%-B-

102%

--

122%

--

21%

-------

32%

-------

10%

-------

64%

-------

43%

-------

22%

-------

43%

-------

62%---

62%---

103%---

11%----

83%----

74%----

62%----

92%

--

132%

--

30%

10%---

10%---

10%---

10%

--

20%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

32%

-------

--

---

--

---

31%---

--

----

10%----

--

----

20%----

10%

--

20%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

71670%

15969%

---

23768%

---

32072%

---

35271%

--

36369%

--

10675%

-------

10266%

-------

11768%

-------

11170%

-------

7868%

-------

10974%

-------

9273%

-------

20970%

---

22869%

---

27972%

---

11472%----

18768%----

13069%----

28072%----

30169%

--

41071%

--

14314%

3415%

---

5015%

---

5913%

---

6513%

--

7815%

--

1410%

-------

2616%

-------

3118%

-------

2012%

-------

1816%

-------

2215%

-------

1210%

-------

4013%

---

5115%

---

5314%

---

2214%----

4316%----

3217%----

4512%----

6515%

--

7813%

--



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

31431%

1014%

--C

914%

--C

30532%AB-

16432%----

115%----

6827%----

8134%----

40239%

3043%

---

2641%

---

37239%

---

21542%----

568%----

9337%----

8937%----

13513%

1319%

---

1118%

---

12213%

---

6813%----

118%----

3313%----

3213%----

12112%

1420%

--c

1422%

--c

10711%ab-

4910%--C-

--

----

4417%A---

2812%----

222%

11%---

12%---

212%---

102%----

--

----

52%----

73%----

222%

23%---

23%---

202%---

81%--c-

--

----

125%

a--d

21%--c-

30%

--

---

--

---

30%---

--

----

--

----

--

----

31%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

71670%

4057%

--c

3455%

--C

67671%aB-

38074%--C-

682%----

16063%A---

17070%----



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

14314%

1521%

---

1524%

--c

12813%

-b-

5912%--C-

--

----

4919%A---

3514%----



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

31431%

7523%---DE

4931%-----

1721%---dE

1645%

A-c--

15738%

A-C--

11037%

-B

20428%

A-

30531%

--

936%

--

17232%----

10231%----

3225%----

214%----

8925%

-B

22534%

A-

40239%

15146%----E

5837%-----

4151%----E

1336%-----

13733%

A-C--

9733%

-B

30442%

A-

39139%

--

1037%

--

19937%--c-

12639%----

6148%a---

1058%----

15041%

--

24938%

--

13513%

4514%-----

1912%-----

1215%-----

38%

-----

5613%-----

4616%

--

8912%

--

13313%

--

15%

--

6713%----

4414%----

1814%----

320%----

4813%

--

8713%

--

12112%

4213%-----

2214%-----

911%-----

411%-----

4310%-----

3311%

--

8812%

--

11512%

--

622%

--

7314%----

3411%----

108%----

19%----

5716%

-B

6410%

A-

222%

52%

-----

53%

-----

--

-----

--

-----

123%

-----

62%

--

162%

--

222%

--

--

--

92%----

82%----

43%----

--

----

82%

--

142%

--

222%

62%

-----

43%

-----

23%

-----

--

-----

92%

-----

31%

--

193%

--

212%

--

--

--

102%----

93%----

22%----

--

----

113%

--

112%

--

30%

--

-----

--

-----

--

-----

--

-----

31%

-----

21%

--

10%

--

30%

--

--

--

20%----

10%----

--

----

--

----

--

--

30%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

71670%

22670%-----

10868%-----

5871%-----

3081%-----

29471%-----

20770%

--

50871%

--

69570%

--

1973%

--

37170%----

22870%----

9373%----

1272%----

23866%

-b

47473%

a-



Analysis..: Q52iv. To what extent do you agree or disagree with the following statement? - You should always save up first before buying somethingBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

14314%

4815%-----

2717%-----

911%-----

411%-----

5513%-----

3813%

--

10314%

--

13714%

--

622%

--

8215%----

4213%----

1411%----

19%----

6518%

-b

7812%

a-



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

778%

2310%

---

257%---

296%---

337%

--

448%

--

128%

------G

2516%

---DeFG

169%

------G

96%

-B----g

87%

-b----G

64%

-B-----

--

ABCd-E--

3712%

--C

268%--c

144%Ab-

22%

--cD

166%---d

147%a---

4311%Ab--

194%-B

5710%

A-

16716%

3214%

---

4513%

--c

8920%

-b-

8718%

--

8015%

--

2216%-b---

FG

4529%a---EFG

3922%-----FG

3623%-----FG

1614%-B---

Fg

53%

ABCD-E--

54%

ABCD-e--

6722%

--C

7422%

--C

267%AB-

2113%----

3914%----

3016%----

7720%----

6014%

--

10719%

--

757%

136%---

247%---

389%---

326%

--

438%

--

118%

-------

107%

-------

106%

-------

128%

-------

98%

-------

75%

------g

1613%

-----f-

217%---

227%---

328%---

96%----

166%----

105%----

4010%----

256%

--

509%

--

21621%

3716%

--C

6218%

--C

11726%AB-

10722%

--

10921%

--

2518%

-------

3522%

-------

4224%

-------

3421%

-------

2723%

-------

2920%

-------

2419%

-------

6020%

---

7623%

---

8021%

---

4025%---d

6423%----

4222%----

6818%a---

10424%

--

11019%

--

41240%

10847%

--C

14442%

---

15936%A--

20942%

--

20339%

--

6042%

-B---F-

3321%

A-CD-EFG

6437%-B---

Fg

5635%-B---

FG

4640%

-B---F-

8860%

ABCD-E--

6551%

-BcD---

9331%

--C

12036%

--C

19951%AB-

8151%---D

11943%---d

8042%---d

13033%Abc-

19946%

-B

21136%

A-

677%

146%-bc

4413%a-C

102%aB-

265%

--

418%

--

128%

--c----

85%

-------

32%

a--de-G

117%

--c----

109%

--c----

96%

-------

1311%

--C----

207%---

154%--c

338%-b-

43%---d

207%----

137%----

298%a---

245%

--

437%

--

40%

31%---

10%---

10%---

10%

--

31%

--

--

-------

--

-------

--

-------

--

-------

--

-------

21%

-------

32%

-------

--

---

--

---

41%---

11%----

21%----

--

----

20%----

31%

--

20%

--



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--

24424%

5524%

---

7120%

---

11827%

---

12024%

--

12424%

--

3424%-B---

FG

7045%

A-cDEFG

5532%-b---

FG

4529%-B---

FG

2421%-B---

FG

117%

ABCD-E--

54%

ABCD-E--

10435%

--C

10030%

--C

4010%AB-

2315%---D

5520%---D

4423%----

12031%AB--

7818%

-B

16428%

A-

62762%

14563%

---

20660%

---

27662%

---

31664%

--

31260%

--

8560%

-B---F-

6843%

A-CdEFG

10561%

-B---F-

9057%-b---

Fg

7363%

-B---F-

11780%

ABCD-E--

8971%

-B-d---

15351%

--C

19659%

--C

27972%AB-

12176%-bcD

18266%a--D

12264%a--D

19951%

ABC-

30370%

-B

32055%

A-



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

778%

2029%

--C

1829%

--C

576%AB-

397%----

--

----

145%----

2510%----

16716%

1927%

--c

1930%

--C

14816%aB-

8817%----

115%----

4317%----

3515%----

757%

57%---

35%---

707%---

387%----

17%----

135%----

2310%----

21621%

913%

---

711%

---

20722%

---

9218%-Bc-

565%A-cd

6225%ab--

5623%-b--

41240%

1420%

--C

1422%

--C

39842%AB-

22644%---d

113%----

10340%----

8234%a---

677%

35%---

24%---

647%---

316%----

--

----

208%----

167%----

40%

--

---

--

---

40%---

20%----

--

----

--

----

31%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

24424%

3956%

--C

3759%

--C

20522%AB-

12624%----

115%----

5622%----

6025%----



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

62762%

2332%

--C

2133%

--C

60564%AB-

31862%----

678%----

16565%----

13957%----



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

778%

258%

--c--

96%

--c--

1316%

ab--E

37%

-----

277%

--C--

258%

--

527%

--

768%

--

13%

--

194%

-BC-

3611%A---

1915%A---

14%----

4212%

-B

355%A-

16716%

6520%----E

2918%----e

2024%----E

617%-----

4711%

AbC--

4214%

--

12517%

--

16016%

--

520%

--

5911%-BC-

6921%A---

3628%A---

215%----

7621%

-B

9014%

A-

757%

196%

-----

117%

-----

45%

-----

39%

-----

389%

-----

269%

--

497%

--

677%-b

521%

a-

326%----

309%----

97%----

320%----

195%

--

569%

--

21621%

9028%----E

3120%-----

1822%-----

514%-----

7217%A----

5117%

--

16523%

--

20921%

--

726%

--

12524%-b--

5417%a--d

2620%----

742%-b--

7721%

--

13821%

--

41240%

10933%----E

6743%--c--

2227%

-b-dE

1848%--c--

19747%

A-C--

12542%

--

28540%

--

40441%

--

830%

--

26450%-BCD

10332%A---

3427%A---

214%A---

12434%

-B

28644%

A-

677%

175%

-----

117%

-----

56%

-----

25%

-----

328%

-----

258%

--

436%

--

677%

--

--

--

316%----

309%--c-

43%-b--

16%----

247%

--

437%

--

40%

--

-----

--

-----

--

-----

--

-----

41%

-----

31%

--

20%

--

40%

--

--

--

31%----

20%----

--

----

--

----

--

--

41%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

24424%

9028%--c-E

3824%--c--

3341%

ab--E

924%-----

7418%

A-C--

6723%

--

17725%

--

23724%

--

623%

--

7815%-BC-

10532%A-c-

5543%Ab--

319%----

11833%

-B

12519%

A-



Analysis..: Q52v. To what extent do you agree or disagree with the following statement? - I know many people who have used payday loansBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

62762%

19961%--c--

9862%-----

3948%a---E

2362%-----

26864%--C--

17659%

--

45062%

--

61362%

--

1556%

--

38973%-BC-

15849%A---

6047%A---

956%----

20156%

-B

42465%

A-



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

34334%

8638%

---

11934%

---

13831%

---

16934%

--

17433%

--

3424%

--Cdef-

4831%

-------

6739%

A------

6038%

a------

4539%

a------

5337%

a------

3629%

-------

8228%

-B-

12738%A--

13435%

---

4730%----

8631%----

6936%----

14036%----

13331%

--

20936%

--

49048%

11148%

---

15445%

---

22651%

---

23848%

--

25348%

--

7251%

-------

8051%

-------

8951%

-------

7346%

-------

4842%

-------

6746%

-------

6249%

-------

15251%

---

16249%

---

17746%

---

8252%----

13750%----

8445%----

18347%----

22051%

--

26746%

--

646%

198%---

154%---

307%---

337%

--

316%

--

107%

-------

107%

-------

74%

-------

85%

-------

87%

-------

86%

-------

1310%

-------

207%---

154%---

297%---

53%--c-

166%----

179%a---

267%----

215%

--

437%

--

576%

94%---

165%---

317%---

286%

--

296%

--

1510%

---d--g

117%

-------

85%

-------

64%

a------

44%

-------

96%

-------

32%

a------

269%-bc

144%a--

174%a--

1812%-bcD

125%a---

95%a---

164%

A---

317%

--

254%

--

333%

21%-B-

195%A--

123%---

143%

--

184%

--

43%

-------

42%

-------

32%

-------

75%

-------

76%

-------

43%

-------

54%

-------

83%---

103%---

154%---

43%----

135%----

32%----

123%----

174%

--

153%

--

293%

21%-B-

237%A-C

41%-B-

112%

--

183%

--

64%

--c----

32%

-------

--

a--de-g

64%

--c----

44%

--c----

43%

-------

65%

--c----

93%---

62%---

144%---

11%----

103%----

84%----

113%----

112%

--

183%

--

20%

10%---

--

---

10%---

10%

--

10%

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

22%

-------

--

---

--

---

20%---

--

----

10%----

--

----

10%----

10%

--

10%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

83382%

19786%

-b-

27379%

a--

36482%

---

40782%

--

42782%

--

10675%

--C----

12882%

-------

15590%

A---e-G

13384%

-------

9380%

--c----

12082%

-------

9878%

--C----

23479%

-B-

28887%A-c

31180%

-b-

13082%----

22381%----

15381%----

32483%----

35381%

--

47682%

--

909%

115%-bc

3510%

a--

4310%

a--

429%

--

479%

--

1913%

-------

159%

-------

116%

-------

138%

-------

1110%

-------

139%

-------

76%

-------

3411%

---

247%---

328%---

2214%--cd

259%----

116%a---

287%a---

4811%

-b

407%a-



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

34334%

3752%

--C

3455%

--C

30632%AB-

16532%----

345%----

8533%----

9037%----

49048%

2738%

---

2438%

---

46449%

---

26050%----

455%----

12449%----

10343%----

646%

34%---

11%---

616%---

306%----

--

----

145%----

208%----

576%

23%---

23%---

556%---

285%----

--

----

145%----

166%----

333%

22%---

23%---

313%---

214%----

--

----

52%----

63%----

293%

--

---

--

---

293%---

112%----

--

----

125%----

52%----

20%

--

---

--

---

20%---

--

----

--

----

--

----

21%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

83382%

6391%

---

5893%

--c

77081%

-b-

42582%----

7100%

----

20982%----

19280%----



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

909%

45%---

46%---

869%---

499%----

--

----

197%----

229%----



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

34334%

10332%-----

5635%---d-

3240%---d-

615%

-bc-e

14635%---d-

11639%

-b

22731%

a-

33234%

--

1140%

--

16030%-bc-

12137%a---

5341%a---

531%----

12835%

--

21333%

--

49048%

17153%----e

7246%-----

3847%-----

2362%-----

18745%a----

13345%

--

35750%

--

47948%

--

1038%

--

27451%-b--

14344%a---

5744%----

846%----

17448%

--

31548%

--

646%

186%

-----

64%

-----

22%

-----

410%-----

348%

-----

207%

--

446%

--

626%

--

15%

--

295%---d

268%----

43%---D

423%a-C-

185%

--

467%

--

576%

134%

-----

128%

-----

78%

-----

37%

-----

215%

-----

124%

--

456%

--

525%-b

417%

a-

326%----

144%----

108%----

--

----

226%

--

355%

--

333%

103%

-----

64%

-----

--

-----

26%

-----

143%

-----

83%

--

243%

--

333%

--

--

--

224%----

93%----

11%----

--

----

103%

--

223%

--

293%

93%

-----

53%

-----

33%

-----

--

-----

133%

-----

72%

--

223%

--

283%

--

--

--

132%----

113%----

33%----

--

----

103%

--

193%

--

20%

--

-----

--

-----

--

-----

--

-----

20%

-----

10%

--

10%

--

20%

--

--

--

20%----

--

----

--

----

--

----

--

--

20%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

83382%

27485%-----

12881%-----

7086%-----

2877%-----

33380%-----

24984%

--

58481%

--

81282%

--

2078%

--

43482%----

26481%----

11086%----

1377%----

30183%

--

52981%

--



Analysis..: Q52vi. To what extent do you agree or disagree with the following statement? - Debt is a normal part of today’s lifestyleBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

909%

237%

-----

1812%-----

78%

-----

513%-----

369%

-----

207%

--

6910%

--

859%

--

417%

--

5410%----

227%----

119%----

--

----

329%

--

589%

--



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

12913%

4821%-BC

3911%A--

4210%A--

6814%

--

6112%

--

1913%

-------

2315%

-------

2816%

-------

1610%

-------

1412%

-------

1711%

-------

1411%

-------

4214%

---

4313%

---

4411%

---

1811%----

3714%----

2915%----

4512%----

5513%

--

7513%

--

49048%

11048%

---

16247%

---

21849%

---

24048%

--

25148%

--

6647%

-------

7045%

-------

9454%

------g

7648%

-------

6052%

-------

7551%

-------

5039%

--c----

13646%

---

17051%

---

18548%

---

8050%----

13148%----

10556%---D

17144%--C-

21149%

--

27648%

--

14314%

2410%

--c

4513%

---

7417%

a--

7415%

--

6913%

--

2115%

-------

2114%

-------

2414%

-------

2616%

-------

1513%

-------

129%

------g

2419%

-----f-

4214%

---

5015%

---

5113%

---

1711%----

4516%--C-

148%

-B-D

6717%--C-

6214%

--

8214%

--

12913%

2511%

---

3310%

--c

7016%

-b-

5712%

--

7114%

--

2316%

-------

2717%

----e--

1810%

-------

2013%

-------

98%

-b-----

2014%

-------

129%

-------

5017%

--c

3711%

---

4111%

a--

3120%-bcd

3212%a---

1810%a---

4812%a---

6314%

--

6611%

--

879%

188%---

4112%

--c

286%-b-

377%

--

5010%

--

107%

-------

127%

-------

64%----

eFG

117%

-------

1210%

--c----

1913%

--C----

1814%

--C----

217%--c

175%--C

4812%aB-

128%----

187%----

127%----

4111%----

307%

--

549%

--

374%

31%-B-

247%A-C

102%-B-

173%

--

204%

--

32%

-------

42%

-------

32%

-------

106%

-------

65%

-------

32%

-------

86%

-------

72%---

134%---

164%---

11%----

114%----

95%----

164%----

123%

--

244%

--

30%

10%---

21%---

--

---

20%

--

10%

--

--

-------

--

-------

11%

-------

--

-------

--

-------

--

-------

22%

-------

--

---

10%---

21%---

--

----

10%----

11%----

10%----

10%

--

20%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

61961%

15869%-bc

20158%

a--

26059%

a--

30862%

--

31260%

--

8560%

-------

9359%

-------

12170%---d-

-G

9258%

--c----

7464%

------g

9163%

-------

6350%

--C-e--

17760%

---

21364%

---

22959%

---

9762%----

16861%--c-

13471%-b-D

21656%--C-

26561%

--

35161%

--

21621%

4319%

---

7421%

---

9922%

---

9419%

--

12123%

--

3323%

-------

3925%

--c----

2414%

-b---F-

3119%

-------

2118%

-------

3927%

--C----

2923%

-------

7124%

-b-

5517%a-c

8923%

-b-

4327%-bc-

5018%a---

3116%a---

8923%----

9321%

--

12021%

--



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

12913%

1015%

---

1016%

---

11913%

---

5611%--C-

118%----

5020%A--D

219%--C-

49048%

3855%

---

3555%

---

45248%

---

25048%----

451%----

12449%----

11347%----

14314%

1014%

---

711%

---

13414%

---

7915%----

--

----

2811%----

3615%----

12913%

710%

---

710%

---

12113%

---

6713%----

232%----

2911%----

3013%----

879%

46%---

47%---

829%---

499%--C-

--

----

62%

A--D

3313%--C-

374%

--

---

--

---

374%---

143%----

--

----

156%----

83%----

30%

--

---

--

---

30%---

10%----

--

----

10%----

10%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

61961%

4970%

---

4572%

---

57160%

---

30659%--c-

568%----

17569%a--D

13455%--C-



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

21621%

1217%

---

1117%

---

20422%

---

11522%--C-

232%----

3514%A--D

6326%--C-



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

AGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

12913%

4413%-----

2214%-----

1214%-----

617%-----

4611%-----

3110%

--

9814%

--

12713%

--

29%

--

6312%----

4413%----

1512%----

214%----

5415%

--

7411%

--

49048%

17755%-B--e

6038%

A--d-

3847%-----

2361%-b---

19146%a----

14750%

--

34348%

--

47748%

--

1245%

--

28053%-B--

13742%A---

5846%----

952%----

17749%

--

31348%

--

14314%

4213%-----

2818%-----

1114%-----

24%

-----

6014%-----

3512%

--

10815%

--

13914%

--

29%

--

6111%-b--

5717%a---

2015%----

425%----

5114%

--

9114%

--

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2717%a----

1315%-----

39%

-----

5212%-----

4013%

--

8912%

--

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-B

831%

A-

5911%--c-

4213%----

2520%a---

210%----

4312%

--

8613%

--

879%

155%

----E

149%

-----

67%

-----

39%

-----

4912%A----

3512%

-b

517%a-

869%

--

15%

--

5310%----

268%----

65%----

--

----

257%

--

619%

--

374%

124%

-----

64%

-----

12%

-----

--

-----

174%

-----

83%

--

294%

--

374%

--

--

--

153%----

186%----

32%----

--

----

113%

--

264%

--

30%

10%

-----

--

-----

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-----

--

-----

21%

-----

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--

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----

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----

10%

--

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--

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--

--

--

--

--

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----

--

----

--

----

--

----

--

--

--

--

61961%

22068%-B--E

8252%

A--D-

5061%-----

2978%-B--e

23757%

A--d-

17860%

--

44161%

--

60461%

--

1455%

--

34364%-b--

18056%a---

7458%----

1165%----

23164%

--

38759%

--



Analysis..: Q52vii. To what extent do you agree or disagree with the following statement? - It is okay to be in debt if you can pay it offBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

21621%

4915%-B--E

4126%A----

1923%-----

618%-----

10124%A----

7525%

-b

14019%

a-

20621%

--

1037%

--

11121%----

6721%----

3225%----

210%----

6819%

--

14722%

--



Analysis..: Q52viii. To what extent do you agree or disagree with the following statement? - As far as I know, close family and friends rarely borrow money or get into debt, excludingmortgages

Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

19319%

5122%

---

6820%

---

7417%

---

9619%

--

9719%

--

2921%

-------

2013%

------G

2716%

------G

2516%

------G

2219%

-------

3122%

-------

3830%

-BCD---

4917%

--c

5216%

--c

9124%ab-

3321%---d

6825%---D

4021%---d

5213%aBc-

10123%

-B

9216%

A-

30630%

7131%

---

9628%

---

14032%

---

13427%

-b

17333%

a-

3726%

-----F-

4831%

-------

5129%

-----f-

4629%

-----f-

3732%

-------

6142%

A-cd--G

2620%

-----F-

8629%

---

9729%

---

12432%

---

4931%----

8631%----

5630%----

11429%----

13531%

--

17029%

--

16516%

4319%

---

5717%

---

6515%

---

8918%

--

7615%

--

2417%

-------

2717%

-------

3722%

-----f-

2315%

-------

1513%

-------

1611%

--c----

2318%

-------

5117%

---

6118%

---

5414%

---

2314%----

4416%----

3318%----

6617%----

6715%

--

9917%

--

17617%

2410%

--C

4413%

--C

10824%AB-

9419%

--

8216%

--

2517%

-------

3221%

------g

3721%

-----fG

3522%

-----fG

1715%

-------

1712%

--cd---

129%

-bCD---

5719%

--c

7322%

--C

4612%aB-

3220%----

4115%----

2312%---d

7920%--c-

7317%

--

10218%

--

808%

115%-b-

3410%

a--

358%---

347%

--

469%

--

128%

-------

149%

-------

95%

-------

149%

-------

1110%

-------

107%

-------

119%

-------

258%---

237%---

328%---

1510%----

124%---d

147%----

369%-b--

286%

--

509%

--

919%

2913%

--C

4513%

--C

174%AB-

459%

--

469%

--

1511%

-------

159%

-------

127%

-------

159%

-------

1211%

-------

107%

-------

1310%

-------

3010%

---

278%---

359%---

64%

--cd

238%----

2111%a---

4010%a---

297%-b

6111%

a-

61%

10%---

21%---

31%---

31%

--

31%

--

--

-------

11%

-------

--

-------

--

-------

11%

-------

--

-------

43%

-------

10%---

--

---

51%---

--

----

10%----

21%----

31%----

10%

--

51%

--





TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

AGREE

DISAGREE

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

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--

---

--

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--

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--

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--

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--

--

49949%

12253%

---

16447%

---

21448%

---

22946%

--

27052%

--

6647%

-----F-

6844%

-----F-

7845%

-----F-

7145%

-----F-

5951%

-----f-

9364%

ABCD-e-g

6451%

-----f-

13545%

--C

14945%

--C

21555%AB-

8252%----

15456%---D

9651%----

16542%-B--

23654%

-B

26145%

A-

25625%

3415%-bC

7823%a-C

14432%AB-

12826%

--

12825%

--

3626%

-------

4629%

-----fg

4627%

-------

5031%

-----fg

2824%

-------

2719%

-b-d---

2318%

-b-d---

8227%

--c

9629%

--C

7820%aB-

4730%-bc-

5319%a--D

3719%a--d

11630%-Bc-

10023%

--

15226%

--




Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

19319%

69%--c

610%

---

18620%

a--

9118%----

225%----

5522%----

4418%----

30630%

1724%

---

1321%

---

29031%

---

15229%----

230%----

8132%----

7230%----

16516%

1319%

---

1320%

---

15216%

---

8116%----

118%----

3715%----

4619%----

17617%

2232%

--C

2031%

--C

15316%AB-

9118%----

119%----

4919%----

3514%----

808%

710%

---

711%

---

738%---

449%----

17%----

125%---d

2410%--c-

919%

46%---

47%---

879%---

5511%----

--

----

187%----

188%----

61%

--

---

--

---

61%---

20%----

--

----

10%----

31%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----





TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


AGREE

DISAGREE

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

49949%

2333%

--C

1931%

--C

47650%AB-

24347%----

455%----

13754%----

11648%----

25625%

2942%

--C

2743%

--C

22724%AB-

13526%----

227%----

6124%----

5924%----




Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Strongly agree

Tend to agree


Tend to disagree

Strongly disagree

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

19319%

5818%--c--

3220%--C--

56%

aB--E

514%-----

9322%--C--

5218%

--

14019%

--

18919%

--

415%

--

13024%-BC-

4514%A---

1512%A---

14%----

6017%

--

13320%

--

30630%

9931%-----

4227%-----

2631%-----

1027%-----

13031%-----

10034%

--

20729%

--

29830%

--

832%

--

17132%----

9529%----

3628%----

214%----

10128%

--

20531%

--

16516%

5918%-----

2717%-----

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513%-----

6115%-----

4716%

--

11816%

--

16216%

--

28%

--

6913%--C-

5617%----

3125%A---

530%----

6217%

--

10316%

--

17617%

6119%-----

2113%--Cd-

2328%-B--E

1129%-b--e

6115%--Cd-

4314%

--

13318%

--

16517%

-b

1037%

a-

8416%---d

6018%----

2318%----

741%a---

7821%

-B

9615%

A-

808%

206%

-----

1711%-----

1012%-----

12%

-----

338%

-----

279%

--

537%

--

788%

--

28%

--

408%----

289%----

118%----

--

----

298%

--

528%

--

919%

289%

-----

1711%-----

56%

-----

615%-----

358%

-----

258%

--

669%

--

919%

--

--

--

367%-b--

3812%a---

119%----

212%----

319%

--

609%

--

61%

--

-----

11%

-----

--

-----

--

-----

51%

-----

31%

--

30%

--

61%

--

--

--

20%----

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--

----

--

----

10%

--

51%

--

--

--

-----

--

-----

--

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--

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--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--





TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

AGREE

DISAGREE

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

49949%

15749%-----

7447%-----

3037%----e

1541%-----

22253%--c--

15251%

--

34748%

--

48749%

--

1247%

--

30056%-BCD

14043%A---

5140%A---

317%A---

16145%

-b

33752%

a-

25625%

8025%--C--

3824%--c--

3341%

Ab--E

1131%-----

9423%--C--

6923%

--

18626%

--

24325%

-b

1245%

a-

12423%----

8827%----

3427%----

741%----

10629%

-b

14823%

a-



Q52 SummaryAnalysis..: V880_1y~V880_8yFilter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Analysis %, Respondents

CountsAnalysis %Respondents

Strongly agree Tend to agreeNeither agree nor

disagree Tend to disagree Strongly disagree Don't know Refused AGREE DISAGREE

There is no excuse for borrow ingmoney

Borrow ing money from doorsteplenders (e.g. The Provident) is commonin my community

I w ould rather be in debt than changemy lifestyle

You should alw ays save up f irst beforebuying something

I know many people w ho have usedpayday loans

Debt is a normal part of today’s lifestyle

It is okay to be in debt if you can pay itoff

As far as I know , close family andfriends rarely borrow money or get intodebt, excluding mortgages

495%

13013%

18718%

45845%

15715%

333%

30%

--

17918%

61660%

12412%

20120%

15315%

16917%

20921%

15916%

40%

--

32532%

37837%

212%

909%

889%

26726%

52151%

283%

40%

--

11111%

78877%

31431%

40239%

13513%

12112%

222%

222%

30%

--

71670%

14314%

778%

16716%

757%

21621%

41240%

677%

40%

--

24424%

62762%

34334%

49048%

646%

576%

333%

293%

20%

--

83382%

909%

12913%

49048%

14314%

12913%

879%

374%

30%

--

61961%

21621%

19319%

30630%

16516%

17617%

808%

919%

61%

--

49949%

25625%



Analysis..: Q53. 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 havepersonally or jointly with your partner\spouse.


TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

A. I am keeping up w ith allbills and commitments w ithout

any diff iculties

B. I am keeping up w ith all billsand commitments, but it is a

struggle from time to time

C. I am keeping up w ith all billsand commitments, but it is a

constant struggle

D. I am falling behind w ithsome bills or credit

commitments

E. I am having real f inancialproblems and have fallenbehind w ith many bills or

credit commitments

Don't know

Prefer not to say

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

55354%

11651%

-B-

23167%A-C

20647%

-B-

28858%

-b

26551%

a-

6747%-----FG

6038%----

EFG

7744%-----FG

7950%-----FG

6556%-B---

Fg

11680%

ABCD-E--

8971%

ABCD-e--

12743%

--C

15647%

--C

27070%AB-

12277%-BCD

16359%A--D

10254%A--d

16542%ABc-

28566%

-B

26646%

A-

31531%

9140%

-B-

7722%A-C

14733%

-B-

13126%

-B

18535%

A-

4028%

-Bc----

7045%

A--deFG

7040%a----FG

4931%

-b---f-

3329%

-b-----

2718%

-BCd---

2721%

-BC----

11037%

--C

11936%

--C

8722%AB-

2818%-bcD

7628%a--D

5730%a--d

15239%ABc-

10424%

-B

20936%

A-

767%

94%--C

165%--C

5111%AB-

347%

--

428%

--

64%

-b-d---

1912%a----FG

1810%-----FG

2013%a----FG

98%

-----F-

11%

-BCD-E--

22%

-BCD---

269%--C

3711%

--C

133%AB-

21%

--cD

155%---D

147%a---

4512%AB--

174%-B

5910%

A-

172%

42%---

31%---

102%---

92%

--

92%

--

10%

-------

43%

-------

63%

-------

42%

-------

33%

-------

--

-------

--

-------

52%---

93%---

31%---

11%----

10%---d

52%----

113%-b--

20%-b

163%a-

61%

21%---

10%---

41%---

20%

--

41%

--

21%

-------

--

-------

21%

-------

21%

-------

10%

-------

--

-------

--

-------

21%---

41%---

10%---

--

----

10%----

11%----

41%----

10%

--

61%

--

293%

62%---

165%--c

82%-b-

173%

--

132%

--

1611%

-BCD-eFG

32%

A------

--

A------

42%

A------

33%

a------

11%

A------

32%

A------

196%-BC

41%A--

72%A--

11%--c-

114%----

95%

a--d

62%--c-

123%

--

163%

--

202%

21%---

20%--C

174%-B-

153%-b

51%a-

118%

-BCD-eF-

--

A-----g

11%

A------

11%

A------

11%

a------

11%

A------

54%

-b-----

114%-b-

31%a--

72%---

53%----

93%----

11%----

62%----

133%

--

71%

--





TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect



any diff iculties




constant struggle


commitments


credit commitments

Don't know

Prefer not to say

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

55354%

1217%

--C

915%

--C

54157%AB-

28054%----

682%----

14758%----

12150%----

31531%

3551%

--C

3556%

--C

28030%AB-

16833%----

118%----

7429%----

7230%----

767%

1622%

--C

1219%

--C

616%AB-

316%---D

--

----

156%---d

2912%A-c-

172%

68%--C

69%--C

121%AB-

102%----

--

----

31%----

42%----

61%

11%---

11%---

51%---

20%----

--

----

31%----

21%----

293%

--

---

--

---

293%---

143%----

--

----

83%----

73%----

202%

--

---

--

---

202%---

92%----

--

----

42%----

73%----





TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No


any diff iculties




constant struggle


commitments


credit commitments

Don't know

Prefer not to say

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

55354%

17253%--C-E

7850%--C-E

1721%

AB-DE

1748%--C--

26864%

ABC--

16656%

--

38654%

--

54355%

--

1038%

--

36368%-BC-

12037%A---

5140%A---

848%----

13938%

-B

41163%

A-

31531%

12037%----E

4629%--c--

3847%-b--E

1028%-----

10224%

A-C--

8127%

--

23433%

--

30431%

--

1040%

--

11121%-BC-

15146%A--D

5140%A--d

17%

-Bc-

15342%

-B

16225%

A-

767%

216%

-bC--

1912%a---E

1518%

A--dE

--

--c--

215%

-BC--

269%

--

507%

--

737%

--

29%

--

255%

-BCD

3210%A---

1612%A---

425%A---

4212%

-B

345%A-

172%

21%

-----

21%

-----

34%

-----

--

-----

102%

-----

103%-b

71%a-

172%

--

--

--

51%----

72%----

44%----

14%----

103%

--

81%

--

61%

21%

-----

21%

-----

23%

----e

--

-----

--

--c--

21%

--

41%

--

61%

--

--

--

31%----

21%----

11%----

--

----

41%

--

20%

--

293%

62%

---D-

74%

-----

22%

---d-

514%

A-c-E

82%

---D-

31%-b

264%a-

293%

--

--

--

153%----

93%----

22%----

--

----

113%

--

183%

--

202%

10%

--CD-

32%

---d-

46%

A----

410%

Ab--E

82%

---D-

73%

--

132%

--

162%-B

414%

A-

112%---D

41%---D

21%---d

316%ABc-

31%

--

183%

--



Analysis..: Q54. 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 havingproblems with debt \ paying their bills?


TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

596%

115%---

237%---

266%---

245%

--

357%

--

32%

-Bc----

1812%A----FG

159%a----FG

127%

-----fg

98%

-----fg

11%

-BCd-e--

11%

-BCd-e--

227%--c

278%--C

113%aB-

74%----

124%----

126%----

297%----

184%

--

417%

--

94593%

21895%

---

31591%

---

41293%

---

46594%

--

48092%

--

13696%

-b-----

13687%

a----F-

15891%

-----F-

14692%

-----F-

10590%

-----F-

14499%

-BCD-E--

12095%

-------

27291%

---

30592%

---

36895%

---

15195%----

25994%----

17291%----

35892%----

41095%

--

53092%

--

91%

--

---

82%--c

20%-b-

31%

--

61%

--

21%

-------

11%

-------

--

-------

11%

-------

22%

-------

--

-------

32%

-------

31%---

10%---

51%---

11%----

21%----

32%----

21%----

31%

--

61%

--

40%

10%---

--

---

31%---

20%

--

20%

--

11%

-------

--

-------

--

-------

--

-------

--

-------

--

-------

32%

-------

10%---

--

---

31%---

--

----

21%----

11%----

10%----

21%

--

20%

--





TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

596%

1521%

--C

1220%

--C

455%AB-

316%----

--

----

114%----

177%----

94593%

5579%

--C

5080%

--C

89094%AB-

47793%----

7100%

----

23894%----

22292%----

91%

--

---

--

---

91%---

61%----

--

----

41%----

--

----

40%

--

---

--

---

40%---

10%----

--

----

10%----

21%----





TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

596%

237%

----e

106%

-----

1114%----E

12%

-----

143%

a-C--

197%

--

406%

--

586%

--

12%

--

173%

-Bc-

3210%A---

118%a---

--

----

277%

--

315%

--

94593%

29792%-----

14693%-----

7086%----E

3698%-----

39695%--C--

27392%

--

67193%

--

91993%

--

2493%

--

50495%-B--

29190%A---

11792%----

17100%

----

33292%

--

61194%

--

91%

41%

-----

10%

-----

--

-----

--

-----

41%

-----

21%

--

71%

--

91%

--

--

--

71%----

21%----

--

----

--

----

31%

--

61%

--

40%

--

-----

11%

-----

--

-----

--

-----

31%

-----

21%

--

20%

--

30%-b

15%a-

31%----

--

----

--

----

--

----

--

--

41%

--



Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

A. Impossible

B. Diff icult

C. Easy

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

889%

2410%

---

206%--c

4410%

-b-

408%

--

489%

--

1813%-----FG

2214%-----FG

1810%-----FG

1610%-----FG

87%

-------

32%

ABCD---

21%

ABCD---

4114%

--C

3410%

--C

133%AB-

32%---D

135%---D

105%---D

6216%

ABC-

164%-B

7212%

A-

30530%

7131%

---

9427%

---

14032%

---

13627%

--

16932%

--

6244%

---DEFG

7347%

---DEFG

6336%----

EFG

4327%

AB---fG

2421%

ABC----

2416%

ABCd---

1512%

ABCD---

13545%-BC

10632%A-C

6316%AB-

1610%-BCD

7025%A--D

5328%A--D

16242%

ABC-

8620%

-B

21537%

A-

58858%

13057%

---

21763%

--c

24154%

-b-

29860%

--

29055%

--

5036%

--CDE-FG

5636%

--CDE-FG

9152%AB-

-EFG

9962%

AB---FG

7968%

ABC----

11479%

ABCD---

9878%

ABCD---

10636%-BC

19057%A-C

29275%AB-

13284%-BCD

18367%A--D

11561%A--D

15339%

ABC-

31673%

-B

26946%

A-

252%

21%---

103%---

123%---

133%

--

112%

--

85%

--cd---

43%

-------

11%

a------

10%

a------

33%

-------

21%

-------

64%

-------

124%-B-

21%A--

113%---

32%----

52%----

63%----

103%----

92%

--

163%

--

131%

31%---

62%---

51%---

82%

--

51%

--

43%

-------

--

------g

--

------g

--

------g

22%

-------

21%

-------

65%

-bcd---

41%---

--

--C

103%-B-

32%----

31%----

52%----

31%----

61%

--

71%

--



Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


A. Impossible

B. Diff icult

C. Easy

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

889%

2333%

--C

2133%

--C

657%AB-

408%---d

--

----

166%---d

3213%a-c-

30530%

3245%

--C

2845%

--C

27329%AB-

15730%----

17%----

6124%---D

8736%--C-

58858%

1521%

--C

1320%

--C

57360%AB-

30760%---D

793%---d

16666%---D

10744%AbC-

252%

11%---

11%---

243%---

71%---d

--

----

83%----

104%a---

131%

--

---

--

---

131%---

51%----

--

----

31%----

52%----



Analysis..: Q55. How easy would you find it to raise £200-£300 in an emergency without borrowing?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

A. Impossible

B. Diff icult

C. Easy

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

889%

186%

--C--

159%

--C--

1923%

AB--E

37%

-----

348%

--C--

3411%

--

548%

--

859%

--

27%

--

81%

-BC-

5517%A---

2318%A---

--

----

4412%

-B

447%A-

30530%

10432%--C-E

5032%--c-e

4049%

Ab--E

1850%----E

9122%

AbCD-

7023%

-B

23533%

A-

29430%

--

935%

--

10119%-BCD

13642%A---

5241%A---

955%A---

14741%

-B

15724%

A-

58858%

19661%

--CD-

8755%

--Cde

1923%

AB--E

1335%

Ab--E

27365%

-bCD-

18161%

--

40756%

--

57658%

--

1144%

--

40476%-BCD

11937%A---

5039%A---

745%A---

16445%

-B

42064%

A-

252%

41%

---d-

53%

-----

12%

-----

39%

a----

103%

-----

83%

--

162%

--

202%-B

414%

A-

122%----

93%----

22%----

--

----

41%

--

203%

--

131%

10%

--c--

--

-----

34%

a----

--

-----

92%

-----

52%

--

81%

--

131%

--

--

--

71%----

52%----

--

----

--

----

10%

--

122%

--



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

A. Authorised\arrangedoverdraft facility

E. Credit card (not repaidimmediately)

G. Loan from a family member

C. Bank or building societyloan

B. Unauthorised overdraftfacility

D. Credit Union loan

H. Loan from a friend or otheracquaintance

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

15115%

3214%

---

4613%

---

7216%

---

6814%

--

8216%

--

107%

-BCD---

3925%A---EFG

4627%A---EFG

3824%A---EFG

98%

-BCD---

64%

-BCD---

22%

-BCD---

4916%-BC

8425%A-C

185%AB-

2113%----

5219%---D

3418%---d

4311%-Bc-

7317%

--

7813%

--

929%

136%---

3410%

---

4510%

---

5010%

--

428%

--

43%

-BCD---

2113%A---efG

2917%A---EFG

2415%A---EFG

54%

-bCD---

64%

-bCD---

43%

-BCD---

248%-Bc

5316%A-C

154%aB-

2415%---D

2810%---d

2010%---d

205%

Abc-

5212%

-B

397%A-

858%

2310%

---

247%---

378%---

337%

--

5210%

--

1611%----

EFG

2315%

---dEFG

3118%

---DEFG

106%

-bC-e-g

11%

ABCd---

32%

ABC----

--

ABCd---

3913%

--C

4112%

--C

41%AB-

128%----

156%---d

148%----

4311%-b--

276%-b

5810%

a-

364%

42%-b-

195%a--

143%---

204%

--

163%

--

21%

-b-----

128%a----fG

53%

-------

107%

-----fg

43%

-------

21%

-b-d---

11%

-B-d---

145%--c

165%--c

62%ab-

53%----

124%----

74%----

123%----

174%

--

193%

--

192%

10%---

51%---

133%---

102%

--

92%

--

21%

-------

75%

--c--fg

--

-b-d---

64%

--c--f-

33%

-------

--

-b-d---

--

-b-----

93%---

62%---

31%---

--

----

31%----

63%----

92%----

31%

--

153%

--

182%

31%---

52%---

102%---

92%

--

92%

--

22%

-------

85%

-----f-

42%

-------

21%

-------

22%

-------

--

-b-----

11%

-------

103%--c

62%---

31%a--

--

---d

31%----

31%----

133%a---

31%-b

163%a-

182%

83%---

31%---

72%---

92%

--

102%

--

22%

-------

85%

---defg

74%

-----f-

11%

-b-----

--

-b-----

--

-bc----

--

-b-----

103%--C

82%--C

--

AB-

11%----

10%---d

21%----

144%-b--

21%-b

163%a-



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

F. Store card (not repaidimmediately)

I. Pay day loan company (e.g.Wonga, QuickQuid)

J. Guarantor loan (e.g. Amigoloan)

K. None of these

L. Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

162%

42%---

62%---

61%---

71%

--

92%

--

11%

-------

64%

-----f-

74%

-----f-

11%

-------

11%

-------

--

-bc----

--

-------

72%--c

82%--c

10%ab-

11%----

21%----

63%----

72%----

31%

--

132%

--

121%

52%---

21%---

51%---

41%

--

81%

--

21%

-------

53%

-------

53%

-------

10%

-------

--

-------

--

-------

--

-------

72%--c

52%--c

--

ab-

--

----

21%----

21%----

82%----

20%

--

102%

--

30%

10%---

10%---

10%---

10%

--

20%

--

--

-------

21%

-------

--

-------

--

-------

11%

-------

--

-------

--

-------

21%---

--

---

10%---

--

----

--

----

21%----

10%----

--

--

31%

--

68667%

15668%

---

23267%

---

29867%

---

34570%

--

34165%

--

10977%

-BCD--G

7649%

A--dEFG

8247%

A--dEFG

9660%Abc-eFG

8674%

-BCd-fG

12485%

-BCD-e--

11491%

ABCD-E--

18462%-bC

17853%a-C

32484%AB-

11573%----

18768%----

11963%----

26167%----

30270%

--

38066%

--

263%

73%---

103%---

92%---

112%

--

153%

--

22%

-------

21%

-------

32%

-------

21%

-------

66%

-------

64%

-------

54%

-------

52%---

52%---

174%---

22%----

52%----

63%----

123%----

72%

--

183%

--



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect










1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

15115%

1927%

--C

1728%

--C

13214%AB-

7414%--c-

336%----

5221%a--D

229%--C-

929%

811%

---

812%

---

859%---

347%

-BC-

343%A--D

4116%A--D

146%

-BC-

858%

2232%

--C

2032%

--C

627%AB-

449%----

--

----

229%----

198%----

364%

34%---

34%---

334%---

112%--C-

--

----

198%

A--d

63%--c-

192%

58%--C

46%--c

131%Ab-

51%----

--

----

73%----

73%----

182%

46%--c

47%--C

141%aB-

82%----

--

----

52%----

52%----

182%

1116%

--C

915%

--C

71%AB-

71%----

--

----

31%----

83%----

162%

57%--C

58%--C

111%AB-

61%----

--

----

83%----

21%----



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect




K. None of these

L. Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

121%

1217%

--C

1219%

--C

--

AB-

82%----

--

----

--

----

42%----

30%

35%--C

12%---

--

A--

20%----

--

----

--

----

10%----

68667%

1826%

--C

1829%

--C

66870%AB-

36170%--C-

457%----

15360%A--d

16769%--c-

263%

--

---

--

---

263%---

173%----

--

----

52%----

42%----



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No









1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

15115%

8827%

--cDE

3019%----E

1114%a---E

25%

A----

195%

ABC--

238%-B

12818%

A-

14014%

-b

832%

a-

8215%----

3912%--c-

2620%-b--

318%----

7721%

-B

7311%

A-

929%

5216%--c-E

1610%----e

56%

a----

14%

-----

184%

Ab---

186%-b

7510%

a-

899%

--

27%

--

6011%-B--

124%

A-C-

1714%-B--

215%----

5214%

-B

406%A-

858%

289%

--c-e

2214%----E

1417%a---E

26%

-----

194%

aBC--

238%

--

619%

--

859%

--

--

--

275%

-bC-

3210%a-c-

2217%Ab--

315%----

5214%

-B

325%A-

364%

248%

----E

53%

-----

11%

-----

--

-----

61%

A----

114%

--

264%

--

354%

--

13%

--

224%----

93%----

54%----

--

----

195%-b

173%a-

192%

82%

-----

53%

-----

34%

-----

--

-----

41%

-----

103%-b

91%a-

192%

--

--

--

92%----

52%----

54%----

--

----

82%

--

112%

--

182%

62%

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21%

-----

56%

----e

--

-----

61%

--c--

72%

--

122%

--

162%

--

28%

--

61%--C-

62%----

75%

A---

--

----

93%

--

91%

--

182%

21%

-----

22%

-----

34%

-----

12%

-----

102%

-----

83%

--

111%

--

182%

--

12%

--

10%

-BC-

103%

A---

75%

A---

14%----

144%-B

41%A-

162%

72%

-----

32%

-----

11%

-----

--

-----

41%

-----

21%

--

132%

--

162%

--

--

--

61%---D

41%---D

43%----

215%AB--

123%-B

41%A-



Analysis..: Q56a. Can you please tell me whether or not you have used any of the following types of credit in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No



K. None of these

L. Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

121%

31%

-----

11%

-----

45%

----e

--

-----

41%

--c--

31%

--

91%

--

121%

--

--

--

--

-BC-

62%

A---

65%

A---

--

----

103%-B

20%A-

30%

21%

-----

--

-----

11%

-----

--

-----

--

-----

10%

--

20%

--

20%-b

15%a-

10%----

21%----

--

----

--

----

--

--

30%

--

68667%

17955%---DE

9762%---dE

4555%---DE

3185%

AbC--

33280%

ABC--

21171%

--

47466%

--

67168%

--

1452%

--

37871%--C-

22168%--C-

6349%AB--

956%----

19153%

-B

49275%

A-

263%

41%

-----

43%

-----

33%

-----

12%

-----

154%

-----

103%

--

172%

--

242%

--

27%

--

112%----

124%----

22%----

--

----

62%

--

203%

--



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

P. Mail Order catalogue \ clubbook

R. Other retail credit - e.g. viaa retailer to buy furniture,

mobile phone

Q. Hire purchase\ buyinggoods on f inance (e.g.

BrightHouse, Pay-as-you-view )

M. Home Credit \ DoorstepLoan (company collects

payments from home e.g.Provident)

T. DWP crisis loan or SocialFund loan\loan from ‘the

Social’

V. Any other source of credit\loan (please specify)

N. Paw nbrokers (w here youborrow money & leave goods

e.g. Cash Converters)

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

656%

2611%-Bc

134%A--

266%a--

184%-B

479%A-

43%

--C----

106%

--c---g

2515%

Ab-d-FG

117%

--c---g

87%

-------

64%

--C----

11%

-bCd---

145%-B-

3611%A-C

154%-B-

43%

--cd

156%----

158%a---

318%a---

205%-b

468%a-

505%

104%---

134%---

286%---

245%

--

265%

--

64%

-------

96%

-------

148%

------g

106%

-------

44%

-------

53%

-------

22%

--c----

155%---

247%--c

113%-b-

96%----

207%---D

126%---d

102%

-Bc-

297%

--

224%

--

333%

84%---

134%---

123%---

194%

--

143%

--

32%

--c----

96%

------g

148%a---efG

53%

-------

11%

--c----

21%

--c----

--

-bC----

124%--C

196%--C

21%AB-

64%----

62%----

95%----

123%----

123%

--

214%

--

273%

94%---

41%---

133%---

92%

--

183%

--

32%

-------

64%

-------

63%

-------

74%

------g

43%

-------

11%

-------

--

---d---

103%---

124%--c

41%-b-

11%---d

10%---D

10%---D

246%

aBC-

21%-B

244%A-

121%

42%---

10%---

82%---

51%

--

82%

--

21%

-------

32%

-------

21%

-------

32%

-------

22%

-------

--

-------

11%

-------

52%---

52%---

31%---

--

----

--

---d

32%----

92%-b--

--

-B

122%A-

111%

21%---

31%---

61%---

51%

--

71%

--

10%

-------

11%

-------

74%

---d---

--

--c----

22%

-------

11%

-------

--

-------

21%---

72%---

31%---

42%----

52%----

--

----

31%----

92%

--

30%

--

61%

31%---

10%---

10%---

20%

--

31%

--

--

-------

11%

-------

31%

-------

10%

-------

11%

-------

--

-------

--

-------

10%---

31%---

10%---

--

----

--

----

11%----

51%----

--

--

61%

--



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

U. Interest-free loan fromCouncil or Job Centre

O. Log Book Loan (w hereyou borrow money against

the value of your vehicle)

S. Local lender (unoff icial)\orunlicensed lender (‘loan

shark’)

W. None of these

X. Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

30%

10%---

--

---

21%---

20%

--

10%

--

22%

-------

10%

-------

--

-------

--

-------

--

-------

--

-------

--

-------

31%---

--

---

--

---

--

----

10%----

10%----

20%----

10%

--

20%

--

20%

--

---

--

---

20%---

20%

--

--

--

--

-------

11%

-------

--

-------

--

-------

11%

-------

--

-------

--

-------

10%---

--

---

10%---

--

----

21%----

--

----

--

----

20%

--

--

--

10%

--

---

--

---

10%---

--

--

10%

--

--

-------

--

-------

--

-------

--

-------

11%

-------

--

-------

--

-------

--

---

--

---

10%---

--

----

--

----

--

----

10%----

--

--

10%

--

80879%

17375%

-B-

29385%A-c

34277%

-b-

41183%

-B

39876%

A-

12085%

-bC----

11574%a----FG

11164%

A--DeFG

12981%

--C---G

9178%

--c---G

12686%

-BC----

11793%

-BCD-E--

23579%

--c

24072%

--C

33386%aB-

13686%--cD

22582%----

14677%a---

29676%A---

36284%

-B

44176%

A-

303%

63%---

113%---

133%---

123%

--

173%

--

43%

-------

43%

-------

32%

-------

21%

-------

65%

-------

64%

-------

54%

-------

83%---

52%---

164%---

22%----

52%----

74%----

144%----

82%

--

214%

--



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect




mobile phone






Social’





1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

656%

1419%

--C

1220%

--C

525%AB-

418%----

--

----

114%----

135%----

505%

45%---

46%---

475%---

245%----

--

----

197%----

83%----

333%

3348%

--C

3353%

--C

--

AB-

183%----

--

----

42%----

125%----

273%

2738%

--C

2742%

--C

--

AB-

133%----

--

----

31%---d

104%--c-

121%

58%--C

58%--C

71%AB-

82%----

--

----

10%----

31%----

111%

11%---

11%---

101%---

41%----

--

----

52%----

21%----

61%

68%--C

34%--C

--

AB-

41%----

--

----

10%----

10%----

30%

11%---

11%---

20%---

20%----

--

----

--

----

10%----



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect





shark’)

W. None of these

X. Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

20%

23%--C

--

---

--

A--

10%----

--

----

--

----

10%----

10%

11%---

11%---

--

---

--

----

--

----

--

----

10%----

80879%

23%--C

12%--C

80685%AB-

39877%----

7100%

----

21083%----

19380%----

303%

--

---

--

---

303%---

204%----

--

----

52%----

52%----



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No



mobile phone






Social’





1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

656%

216%

-b---

2013%a---E

45%

-----

12%

-----

195%

-B---

134%

--

527%

--

636%

--

28%

--

285%----

289%----

97%----

--

----

319%

--

345%

--

505%

319%

--c-E

85%

-----

11%

a----

--

-----

113%

A----

83%-b

426%a-

495%

--

15%

--

326%----

113%----

54%----

315%----

277%-b

234%a-

333%

154%

-----

53%

-----

23%

-----

--

-----

113%

-----

83%

--

254%

--

333%

--

--

--

102%-B--

196%

A---

43%----

14%----

278%-B

61%A-

273%

31%

--C--

32%

--c--

79%

Ab---

--

-----

143%

-----

155%-B

112%A-

273%

--

--

--

10%

-BC-

144%

A---

118%

A---

--

----

175%-B

102%A-

121%

--

--C-e

10%

-----

45%

A----

--

-----

82%

a----

62%

--

71%

--

121%

--

--

--

20%-b--

72%a---

33%----

--

----

92%-b

41%a-

111%

72%

-----

21%

-----

--

-----

--

-----

31%

-----

21%

--

91%

--

111%

--

--

--

92%----

20%----

11%----

--

----

72%

--

41%

--

61%

10%

-----

11%

-----

--

-----

12%

-----

31%

-----

31%

--

20%

--

50%

--

12%

--

10%----

21%----

22%----

--

----

20%

--

41%

--

30%

10%

-----

11%

-----

11%

-----

--

-----

10%

-----

10%

--

20%

--

30%

--

--

--

--

----

20%----

21%----

--

----

10%

--

20%

--



Analysis..: Q56b. And which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No




shark’)

W. None of these

X. Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

20%

10%

-----

--

-----

11%

-----

--

-----

--

-----

21%

--

--

--

20%

--

--

--

10%----

--

----

--

----

16%----

--

--

20%

--

10%

--

-----

--

-----

--

-----

--

-----

10%

-----

10%

--

--

--

10%

--

--

--

--

----

10%----

--

----

--

----

--

--

10%

--

80879%

24876%---de

11674%---de

6074%---d-

3494%

abc--

34884%ab---

24181%

--

56679%

--

78579%

--

2077%

--

43983%-b--

24576%a---

9675%----

1169%----

25671%

-B

54984%

A-

303%

72%

-----

43%

-----

45%

-----

12%

-----

154%

-----

93%

--

213%

--

283%

--

27%

--

132%----

134%----

22%----

16%----

72%

--

223%

--



Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE






mobile phone


1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

15115%

3214%

---

4613%

---

7216%

---

6814%

--

8216%

--

107%

-BCD---

3925%A---EFG

4627%A---EFG

3824%A---EFG

98%

-BCD---

64%

-BCD---

22%

-BCD---

4916%-BC

8425%A-C

185%AB-

2113%----

5219%---D

3418%---d

4311%-Bc-

7317%

--

7813%

--

929%

136%---

3410%

---

4510%

---

5010%

--

428%

--

43%

-BCD---

2113%A---efG

2917%A---EFG

2415%A---EFG

54%

-bCD---

64%

-bCD---

43%

-BCD---

248%-Bc

5316%A-C

154%aB-

2415%---D

2810%---d

2010%---d

205%

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5212%

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397%A-

858%

2310%

---

247%---

378%---

337%

--

5210%

--

1611%----

EFG

2315%

---dEFG

3118%

---DEFG

106%

-bC-e-g

11%

ABCd---

32%

ABC----

--

ABCd---

3913%

--C

4112%

--C

41%AB-

128%----

156%---d

148%----

4311%-b--

276%-b

5810%

a-

656%

2611%-Bc

134%A--

266%a--

184%-B

479%A-

43%

--C----

106%

--c---g

2515%

Ab-d-FG

117%

--c---g

87%

-------

64%

--C----

11%

-bCd---

145%-B-

3611%A-C

154%-B-

43%

--cd

156%----

158%a---

318%a---

205%-b

468%a-

505%

104%---

134%---

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245%

--

265%

--

64%

-------

96%

-------

148%

------g

106%

-------

44%

-------

53%

-------

22%

--c----

155%---

247%--c

113%-b-

96%----

207%---D

126%---d

102%

-Bc-

297%

--

224%

--

364%

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195%a--

143%---

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--

163%

--

21%

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128%a----fG

53%

-------

107%

-----fg

43%

-------

21%

-b-d---

11%

-B-d---

145%--c

165%--c

62%ab-

53%----

124%----

74%----

123%----

174%

--

193%

--




TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE










Social’

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

333%

84%---

134%---

123%---

194%

--

143%

--

32%

--c----

96%

------g

148%a---efG

53%

-------

11%

--c----

21%

--c----

--

-bC----

124%--C

196%--C

21%AB-

64%----

62%----

95%----

123%----

123%

--

214%

--

273%

94%---

41%---

133%---

92%

--

183%

--

32%

-------

64%

-------

63%

-------

74%

------g

43%

-------

11%

-------

--

---d---

103%---

124%--c

41%-b-

11%---d

10%---D

10%---D

246%

aBC-

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244%A-

192%

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51%---

133%---

102%

--

92%

--

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-------

75%

--c--fg

--

-b-d---

64%

--c--f-

33%

-------

--

-b-d---

--

-b-----

93%---

62%---

31%---

--

----

31%----

63%----

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--

153%

--

182%

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52%---

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92%

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85%

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42%

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--

-b-----

11%

-------

103%--c

62%---

31%a--

--

---d

31%----

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133%a---

31%-b

163%a-

182%

83%---

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72%---

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102%

--

22%

-------

85%

---defg

74%

-----f-

11%

-b-----

--

-b-----

--

-bc----

--

-b-----

103%--C

82%--C

--

AB-

11%----

10%---d

21%----

144%-b--

21%-b

163%a-

162%

42%---

62%---

61%---

71%

--

92%

--

11%

-------

64%

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74%

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11%

-------

11%

-------

--

-bc----

--

-------

72%--c

82%--c

10%ab-

11%----

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63%----

72%----

31%

--

132%

--

121%

42%---

10%---

82%---

51%

--

82%

--

21%

-------

32%

-------

21%

-------

32%

-------

22%

-------

--

-------

11%

-------

52%---

52%---

31%---

--

----

--

---d

32%----

92%-b--

--

-B

122%A-




TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE










shark’)

W. None of these

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

121%

52%---

21%---

51%---

41%

--

81%

--

21%

-------

53%

-------

53%

-------

10%

-------

--

-------

--

-------

--

-------

72%--c

52%--c

--

ab-

--

----

21%----

21%----

82%----

20%

--

102%

--

111%

21%---

31%---

61%---

51%

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71%

--

10%

-------

11%

-------

74%

---d---

--

--c----

22%

-------

11%

-------

--

-------

21%---

72%---

31%---

42%----

52%----

--

----

31%----

92%

--

30%

--

61%

31%---

10%---

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--

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51%----

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61%

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31%---

--

---

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----

10%----

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20%----

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--

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--

30%

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10%---

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--

20%

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---

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--

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----

21%----

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----

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----

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--

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--

---

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--

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-------

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--

----

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--

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10%

--

61260%

12856%

---

21763%

---

26760%

---

31564%

-b

29757%

a-

9869%

-BCD--G

6642%A---EFG

6537%

A--DEFG

8453%A-C--FG

7464%-BC--fG

11478%

-BCD-e--

11188%

ABCD-E--

16555%-bC

14945%a-C

29977%AB-

10969%--cd

16961%----

10455%a---

22658%a---

27764%

-b

33157%

a-




TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

X. Refused

ANY HIGH COST CREDITUSER (Q,M,.I,N,J,O,S)

HIGH COST CREDIT USER OFINTEREST (Q,M,I)

NO HIGH COST CREDIT (NOTQ,M,.I,N,J,O,S)

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

313%

73%---

113%---

133%---

133%

--

173%

--

43%

-------

43%

-------

32%

-------

21%

-------

76%

-------

64%

-------

54%

-------

83%---

52%--c

174%-b-

22%----

52%----

74%----

154%----

82%

--

224%

--

--

--

---

--

---

--

---

--

--

--

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-------

--

-------

--

-------

--

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--

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--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--

707%

209%---

196%---

317%---

316%

--

397%

--

64%

-Bc----

2214%A---eFG

2212%a----FG

128%

-----fG

65%

-b----g

22%

-BCd---

--

-BCD-e--

279%--C

3410%

--C

92%AB-

64%---d

104%---D

147%----

4010%aB--

164%-B

549%A-

636%

188%---

185%---

276%---

275%

--

367%

--

64%

-bc----

1711%a----FG

2112%a---eFG

128%

-----fG

44%

--c----

22%

-BCd---

--

-BCD---

238%--C

3310%

--C

72%AB-

64%---d

83%---D

116%----

3710%aB--

143%-B

498%A-

94893%

21091%

---

32794%

---

41293%

---

46494%

--

48593%

--

13696%

-Bc----

13486%A---eFG

15288%a----FG

14792%

-----fG

11095%

-b----g

14398%

-BCd---

126100%-BCD-

e--

27191%

--C

29990%

--C

37998%AB-

15296%---d

26596%---D

17593%----

35090%aB--

41796%

-B

52591%

A-



Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect







mobile phone






1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

15115%

1927%

--C

1728%

--C

13214%AB-

7414%--c-

336%----

5221%a--D

229%--C-

929%

811%

---

812%

---

859%---

347%

-BC-

343%A--D

4116%A--D

146%

-BC-

858%

2232%

--C

2032%

--C

627%AB-

449%----

--

----

229%----

198%----

656%

1419%

--C

1220%

--C

525%AB-

418%----

--

----

114%----

135%----

505%

45%---

46%---

475%---

245%----

--

----

197%----

83%----

364%

34%---

34%---

334%---

112%--C-

--

----

198%

A--d

63%--c-

333%

3348%

--C

3353%

--C

--

AB-

183%----

--

----

42%----

125%----

273%

2738%

--C

2742%

--C

--

AB-

133%----

--

----

31%---d

104%--c-




TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect







Social’





1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

192%

58%--C

46%--c

131%Ab-

51%----

--

----

73%----

73%----

182%

46%--c

47%--C

141%aB-

82%----

--

----

52%----

52%----

182%

1116%

--C

915%

--C

71%AB-

71%----

--

----

31%----

83%----

162%

57%--C

58%--C

111%AB-

61%----

--

----

83%----

21%----

121%

58%--C

58%--C

71%AB-

82%----

--

----

10%----

31%----

121%

1217%

--C

1219%

--C

--

AB-

82%----

--

----

--

----

42%----

111%

11%---

11%---

101%---

41%----

--

----

52%----

21%----

61%

68%--C

34%--C

--

AB-

41%----

--

----

10%----

10%----




TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect







shark’)

W. None of these

X. Refused


1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

30%

11%---

11%---

20%---

20%----

--

----

--

----

10%----

30%

35%--C

12%---

--

A--

20%----

--

----

--

----

10%----

20%

23%--C

--

---

--

A--

10%----

--

----

--

----

10%----

10%

11%---

11%---

--

---

--

----

--

----

--

----

10%----

61260%

--

--C

--

--C

61265%AB-

31962%----

457%----

14055%----

14962%----

313%

--

---

--

---

313%---

214%----

--

----

52%----

52%----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

707%

70100%

--C

63100%

--C

--

AB-

387%--c-

--

----

73%

a--D

2611%--C-




TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect




1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

636%

6390%-bC

63100%

a-C

--

AB-

326%--c-

--

----

73%

a--D

2410%--C-

94893%

--

--C

--

--C

948100%

AB-

47893%--c-

7100%

----

24797%a--D

21689%--C-



Analysis..: Q56a/b. Which of the following types of credit have you used in the last 12 months?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Options...: Analysis OrderedCells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No






mobile phone






1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

15115%

8827%

--cDE

3019%----E

1114%a---E

25%

A----

195%

ABC--

238%-B

12818%

A-

14014%

-b

832%

a-

8215%----

3912%--c-

2620%-b--

318%----

7721%

-B

7311%

A-

929%

5216%--c-E

1610%----e

56%

a----

14%

-----

184%

Ab---

186%-b

7510%

a-

899%

--

27%

--

6011%-B--

124%

A-C-

1714%-B--

215%----

5214%

-B

406%A-

858%

289%

--c-e

2214%----E

1417%a---E

26%

-----

194%

aBC--

238%

--

619%

--

859%

--

--

--

275%

-bC-

3210%a-c-

2217%Ab--

315%----

5214%

-B

325%A-

656%

216%

-b---

2013%a---E

45%

-----

12%

-----

195%

-B---

134%

--

527%

--

636%

--

28%

--

285%----

289%----

97%----

--

----

319%

--

345%

--

505%

319%

--c-E

85%

-----

11%

a----

--

-----

113%

A----

83%-b

426%a-

495%

--

15%

--

326%----

113%----

54%----

315%----

277%-b

234%a-

364%

248%

----E

53%

-----

11%

-----

--

-----

61%

A----

114%

--

264%

--

354%

--

13%

--

224%----

93%----

54%----

--

----

195%-b

173%a-

333%

154%

-----

53%

-----

23%

-----

--

-----

113%

-----

83%

--

254%

--

333%

--

--

--

102%-B--

196%

A---

43%----

14%----

278%-B

61%A-

273%

31%

--C--

32%

--c--

79%

Ab---

--

-----

143%

-----

155%-B

112%A-

273%

--

--

--

10%

-BC-

144%

A---

118%

A---

--

----

175%-B

102%A-




TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No






Social’





1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

192%

82%

-----

53%

-----

34%

-----

--

-----

41%

-----

103%-b

91%a-

192%

--

--

--

92%----

52%----

54%----

--

----

82%

--

112%

--

182%

62%

-----

21%

-----

56%

----e

--

-----

61%

--c--

72%

--

122%

--

162%

--

28%

--

61%--C-

62%----

75%

A---

--

----

93%

--

91%

--

182%

21%

-----

22%

-----

34%

-----

12%

-----

102%

-----

83%

--

111%

--

182%

--

12%

--

10%

-BC-

103%

A---

75%

A---

14%----

144%-B

41%A-

162%

72%

-----

32%

-----

11%

-----

--

-----

41%

-----

21%

--

132%

--

162%

--

--

--

61%---D

41%---D

43%----

215%AB--

123%-B

41%A-

121%

--

--C-e

10%

-----

45%

A----

--

-----

82%

a----

62%

--

71%

--

121%

--

--

--

20%-b--

72%a---

33%----

--

----

92%-b

41%a-

121%

31%

-----

11%

-----

45%

----e

--

-----

41%

--c--

31%

--

91%

--

121%

--

--

--

--

-BC-

62%

A---

65%

A---

--

----

103%-B

20%A-

111%

72%

-----

21%

-----

--

-----

--

-----

31%

-----

21%

--

91%

--

111%

--

--

--

92%----

20%----

11%----

--

----

72%

--

41%

--

61%

10%

-----

11%

-----

--

-----

12%

-----

31%

-----

31%

--

20%

--

50%

--

12%

--

10%----

21%----

22%----

--

----

20%

--

41%

--




TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No






shark’)

W. None of these

X. Refused


1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

30%

10%

-----

11%

-----

11%

-----

--

-----

10%

-----

10%

--

20%

--

30%

--

--

--

--

----

20%----

21%----

--

----

10%

--

20%

--

30%

21%

-----

--

-----

11%

-----

--

-----

--

-----

10%

--

20%

--

20%-b

15%a-

10%----

21%----

--

----

--

----

--

--

30%

--

20%

10%

-----

--

-----

11%

-----

--

-----

--

-----

21%

--

--

--

20%

--

--

--

10%----

--

----

--

----

16%----

--

--

20%

--

10%

--

-----

--

-----

--

-----

--

-----

10%

-----

10%

--

--

--

10%

--

--

--

--

----

10%----

--

----

--

----

--

--

10%

--

61260%

15447%---DE

8353%---DE

4049%---DE

3082%

ABC--

30473%

ABC--

19064%

--

42158%

--

59860%

--

1349%

--

34565%--C-

19159%--C-

5342%AB--

851%----

16646%

-B

44268%

A-

313%

72%

-----

43%

-----

45%

-----

12%

-----

164%

-----

103%

--

213%

--

293%

--

27%

--

132%----

144%----

22%----

16%----

82%

--

223%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

707%

216%

--c--

107%

--c--

1315%

ab--E

12%

-----

266%

--C--

279%

--

426%

--

687%

--

27%

--

143%

-BC-

3912%A---

1512%A---

210%----

4613%

-B

244%A-




TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No



1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

636%

185%

--c--

96%

--c--

1214%

ab-de

--

--c--

256%

--c--

238%

--

405%

--

636%

--

--

--

112%

-BC-

3711%A---

1411%A---

14%----

4512%

-B

183%A-

94893%

30494%--c--

14793%--c--

6985%

ab--E

3698%-----

39294%--C--

26991%

--

67894%

--

92193%

--

2493%

--

51897%-BC-

28588%A---

11388%A---

1590%----

31687%

-B

62996%

A-



Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

Don't know

19 9 3 7 8 11 3 9 6 1 - - - 12 7 - 1 1 2 15 2 17

18 8 3 7 9 10 2 8 7 1 - - - 10 8 - 1 1 2 14 2 16

632%

222%

---

257%

---

230%

---

112%

--

549%

--

130%

-------

232%

-------

336%

-------

--

-------

--

-------

--

-------

--

-------

332%

---

332%

---

--

---

--

----

--

----

149%----

535%----

--

--

636%

--

844%

340%

---

143%

---

448%

---

444%

--

444%

--

129%

-------

335%

-------

450%

-------

1100%-------

--

-------

--

-------

--

-------

334%

---

556%

---

--

---

1100%

----

1100%

----

--

----

641%----

2100%

--

636%

--

424%

338%

---

--

---

221%

---

445%

--

17%

--

141%

-------

333%

-------

114%

-------

--

-------

--

-------

--

-------

--

-------

334%

---

112%

---

--

---

--

----

--

----

151%----

325%----

--

--

428%

--



Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

Don't know

19 11 9 8 7 - 4 8

18 11 9 7 7 - 3 8

632%

326%

---

331%

---

342%

---

--

----

--

----

271%----

345%----

844%

652%

---

442%

---

230%

---

460%----

--

----

--

----

447%----

424%

322%

---

327%

---

228%

---

340%----

--

----

129%----

18%----



Analysis..: Q57. You mentioned that you have borrowed money from a friend or other acquaintance. Does that person also lend to others?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

Don't know

19 2 2 4 1 10 6 13 18 1 1 11 6 1 15 4

18 2 2 3 1 10 8 11 18 1 1 10 7 1 14 4

632%

--

-----

--

-----

259%-----

--

-----

438%-----

334%

--

330%

--

633%

--

--

--

--

----

331%----

229%----

1100%

----

534%

--

123%

--

844%

--

-----

159%-----

121%-----

1100%

-----

552%-----

453%

--

438%

--

742%

--

1100%

--

1100%

----

435%----

456%----

--

----

748%

--

132%

--

424%

2100%

-----

141%-----

121%-----

--

-----

110%-----

113%

--

333%

--

425%

--

--

--

--

----

334%----

115%----

--

----

218%

--

245%

--



Analysis..: Q58. And did they charge you interest?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes - I paid back w hat I ow edplus more

Yes - I paid back w hat I ow edplus a gift (e.g. bought them a

pint)

No - I paid back w hat I ow edand nothing else

19 9 3 7 8 11 3 9 6 1 - - - 12 7 - 1 1 2 15 2 17

18 8 3 7 9 10 2 8 7 1 - - - 10 8 - 1 1 2 14 2 16

211%

226%

---

--

---

--

---

223%

--

--

--

--

-------

--

-------

227%

-------

--

-------

--

-------

--

-------

--

-------

--

---

224%

---

--

---

--

----

--

----

151%----

17%----

--

--

212%

--

--

--

---

--

---

--

---

--

--

--

--

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

-------

--

---

--

---

--

---

--

----

--

----

--

----

--

----

--

--

--

--

1689%

674%

---

3100%

---

7100%

---

777%

--

10100%

--

2100%-------

8100%-------

573%

-------

1100%-------

--

-------

--

-------

--

-------

10100%

---

676%

---

--

---

1100%

----

1100%

----

149%----

1393%----

2100%

--

1488%

--



Analysis..: Q58. And did they charge you interest?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect




pint)


19 11 9 8 7 - 4 8

18 11 9 7 7 - 3 8

211%

19%---

110%

---

114%

---

114%----

--

----

130%----

--

----

--

--

---

--

---

--

---

--

----

--

----

--

----

--

----

1689%

1091%

---

890%

---

686%

---

686%----

--

----

270%----

8100%

----



Analysis..: Q58. And did they charge you interest?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have borrowed money from a friend or other acquaintance

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No



pint)


19 2 2 4 1 10 6 13 18 1 1 11 6 1 15 4

18 2 2 3 1 10 8 11 18 1 1 10 7 1 14 4

211%

--

-----

--

-----

--

-----

--

-----

219%-----

226%

--

--

--

211%

--

--

--

--

----

--

----

230%----

--

----

--

--

245%

--

--

--

-----

--

-----

--

-----

--

-----

--

-----

--

--

--

--

--

--

--

--

--

----

--

----

--

----

--

----

--

--

--

--

1689%

2100%

-----

2100%

-----

3100%

-----

1100%

-----

881%-----

674%

--

11100%

--

1689%

--

1100%

--

1100%

----

10100%

----

570%----

1100%

----

14100%

--

255%

--



Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

19 4 6 9 8 11 3 7 4 2 2 - 1 10 6 3 - 3 3 13 3 16

18 3 5 10 9 9 2 8 4 2 2 - 1 10 6 3 - 3 3 13 3 16

950%

269%

---

230%

---

554%

---

220%

-b

779%

a-

2100%-------

230%

-------

250%

-------

133%

-------

2100%-------

--

-------

--

-------

548%

---

344%

---

271%

---

--

----

3100%

----

150%----

538%----

3100%

--

640%

--

950%

131%

---

470%

---

446%

---

780%

-b

221%

a-

--

-------

570%

-------

250%

-------

167%

-------

--

-------

--

-------

1100%-------

552%

---

356%

---

129%

---

--

----

--

----

150%----

862%----

--

--

960%

--



Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

19 5 5 14 9 - 4 6

18 4 4 14 8 - 5 5

950%

378%

---

378%

---

641%

---

566%----

--

----

113%----

363%----

950%

122%

---

122%

---

859%

---

334%----

--

----

587%----

237%----



Analysis..: Q59. You said you had taken out...Credit Union loan in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Credit Union loan in the last 12 months.

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

19 5 2 6 - 6 7 12 17 2 6 7 6 - 11 8

18 6 2 5 - 6 7 12 16 2 6 6 7 - 9 9

950%

347%-----

133%-----

362%-----

--

-----

348%-----

466%

--

540%

--

743%

--

2100%

--

349%----

465%----

337%----

--

----

557%

--

442%

--

950%

353%-----

167%-----

238%-----

--

-----

352%-----

234%

--

760%

--

957%

--

--

--

351%----

235%----

463%----

--

----

443%

--

558%

--



Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

13 6 2 5 4 9 2 6 4 1 - - - 8 5 - - 2 2 9 2 11

12 5 2 5 4 8 2 5 5 1 - - - 7 5 - - 2 2 8 2 10

542%

352%

---

147%

---

231%

---

246%

--

341%

--

--

-------

353%

-------

238%

-------

1100%-------

--

-------

--

-------

--

-------

340%

---

245%

---

--

---

--

----

--

----

160%----

449%----

--

--

551%

--

758%

248%

---

153%

---

469%

---

254%

--

559%

--

2100%-------

247%

-------

362%

-------

--

-------

--

-------

--

-------

--

-------

460%

---

355%

---

--

---

--

----

2100%

----

140%----

451%----

2100%

--

549%

--



Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

13 13 13 - 9 - - 4

12 12 12 - 8 - - 4

542%

542%

---

542%

---

--

---

344%----

--

----

--

----

240%----

758%

758%

---

758%

---

--

---

456%----

--

----

--

----

360%----



Analysis..: Q59. You said you had taken out...Pay day loan company in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Pay day loan company in the last 12 months.

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

13 4 1 5 - 3 2 11 13 - - 8 5 - 11 2

12 3 1 4 - 4 3 9 12 - - 6 6 - 10 2

542%

249%-----

1100%

-----

139%-----

--

-----

125%-----

138%

--

444%

--

542%

--

--

--

--

----

351%----

233%----

--

----

333%

--

2100%

--

758%

251%-----

--

-----

261%-----

--

-----

375%-----

262%

--

556%

--

758%

--

--

--

--

----

349%----

467%----

--

----

767%

--

--

--



Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

28 12 5 11 8 20 4 8 4 7 4 1 - 12 11 5 1 1 1 25 2 26

27 9 4 13 9 18 3 6 6 7 4 1 - 10 12 4 1 1 1 24 2 24

2074%

774%

---

358%

---

1080%

---

778%

--

1372%

--

373%

-------

574%

-------

471%

-------

686%

-------

251%

-------

1100%-------

--

-------

774%

---

1079%

---

360%

---

--

----

1100%

----

1100%

----

1875%----

158%

--

1875%

--

726%

226%

---

242%

---

320%

---

222%

--

528%

--

127%

-------

226%

-------

229%

-------

114%

-------

249%

-------

--

-------

--

-------

326%

---

321%

---

240%

---

1100%

----

--

----

--

----

625%----

142%

--

625%

--



Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

28 28 28 - 14 - 3 11

27 27 27 - 13 - 3 10

2074%

2074%

---

2074%

---

--

---

1181%----

--

----

3100%

----

658%----

726%

726%

---

726%

---

--

---

219%----

--

----

--

----

442%----



Analysis..: Q59. You said you had taken out...Home Credit \ Doorstep Loan in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Home Credit \ Doorstep Loan in the last 12 months.

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

28 4 3 8 - 13 15 13 28 - 2 17 9 - 17 11

27 3 3 7 - 14 15 11 27 - 1 14 11 - 17 10

2074%

378%-----

263%-----

461%-----

--

-----

1181%-----

1171%

--

977%

--

2074%

--

--

--

1100%

----

1176%----

767%----

--

----

1170%

--

881%

--

726%

122%-----

137%-----

339%-----

--

-----

319%-----

429%

--

323%

--

726%

--

--

--

--

----

324%----

433%----

--

----

530%

--

219%

--



Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Yes

No

32 10 11 11 16 16 3 11 11 4 1 2 - 14 15 3 5 5 9 13 10 22

33 8 13 12 19 14 3 9 14 5 1 2 - 12 19 2 6 6 9 12 12 21

2677%

561%

---

13100%

---

864%

---

1790%

--

859%

--

3100%-------

669%

-------

1072%

-------

582%

-------

1100%-------

2100%-------

--

-------

975%

---

1475%

---

2100%

---

472%----

586%----

9100%

----

757%----

1079%

--

1676%

--

823%

339%

---

--

---

536%

---

210%

--

641%

--

--

-------

331%

-------

428%

-------

118%

-------

--

-------

--

-------

--

-------

325%

---

525%

---

--

---

228%----

114%----

--

----

543%----

321%

--

524%

--



Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Yes

No

32 32 32 - 16 - 5 11

33 33 33 - 18 - 4 12

2677%

2677%

---

2677%

---

--

---

1582%----

--

----

383%----

867%----

823%

823%

---

823%

---

--

---

318%----

--

----

117%----

433%----



Analysis..: Q59. You said you had taken out... Hire purchase\ buying goods on finance in the last 12 months. Do you still have this credit?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes respondents who have used Hire purchase\ buying goods on finance in the last 12 months.

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Yes

No

32 13 5 3 - 11 7 25 32 - 9 18 4 1 27 5

33 15 5 2 - 11 8 25 33 - 10 19 4 1 27 6

2677%

15100%----E

471%-----

2100%

-----

--

-----

543%A----

448%

--

2286%

--

2677%

--

--

--

10100%

----

1472%----

255%----

--

----

1972%

--

6100%

--

823%

--

----E

229%-----

--

-----

--

-----

657%A----

452%

--

414%

--

823%

--

--

--

--

----

528%----

245%----

1100%

----

828%

--

--

--



Analysis..: Q60a. 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 moneywould you owe in total after one month?


TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Less than £110

£110 exactly

More than £110

Don't know

Refused

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

626%

52%--C

196%---

378%A--

316%

--

306%

--

64%

-------

127%

-------

63%

----e--

74%

-------

1210%

--c----

96%

-------

108%

-------

186%---

134%--c

318%-b-

95%----

135%----

137%----

267%----

225%

--

397%

--

76976%

18380%

---

26075%

---

32774%

---

40181%

-B

36870%

A-

9668%

--CD-f-

11473%

--cD---

14483%

Ab--E-G

13887%

AB--E-G

8069%

--CD---

11579%

a-----g

8265%

--CD-f-

21171%

-B-

28285%A-C

27771%

-B-

13988%--cD

22281%---D

14577%a--d

26067%ABc-

36183%

-B

40570%

A-

252%

63%---

113%---

72%---

112%

--

143%

--

75%

--c----

32%

-------

10%

a----f-

21%

-------

22%

-------

75%

--c----

32%

-------

103%---

31%---

113%---

11%----

104%----

32%----

102%----

112%

--

132%

--

15615%

3214%

---

5416%

---

7016%

---

4910%

-B

10720%

A-

3222%--cD-

F-

2617%

---d---

2112%

a-----g

127%

Ab--E-G

2219%

---D-f-

1410%

A---e-G

2923%--cD-

F-

5819%

-B-

3310%A-C

6617%

-B-

96%

--cD

2910%---D

2714%a--d

9224%ABc-

389%-B

11820%

A-

61%

31%---

21%---

10%---

20%

--

41%

--

10%

-------

10%

-------

21%

-------

--

-------

--

-------

11%

-------

22%

-------

10%---

21%---

31%---

11%----

10%----

10%----

21%----

20%

--

31%

--





TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Less than £110

£110 exactly

More than £110

Don't know

Refused

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

626%

58%---

59%---

566%---

--

-B-D

7100%A-CD

--

-B-D

5523%

ABC-

76976%

4463%

--c

3962%

--c

72576%ab-

515100%-B-D

--

A-C-

254100%-B-D

--

A-C-

252%

22%---

23%---

232%---

--

---D

--

----

--

---D

2510%A-C-

15615%

1826%

--c

1626%

--c

13815%ab-

--

---D

--

---D

--

---D

15665%

ABC-

61%

11%---

11%---

61%---

--

---D

--

----

--

---d

63%

A-c-





TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Less than £110

£110 exactly

More than £110

Don't know

Refused

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

626%

247%

-----

95%

-----

56%

-----

24%

-----

225%

-----

155%

--

477%

--

606%

--

27%

--

387%----

206%----

43%----

--

----

247%

--

386%

--

76976%

27585%

-BC-E

11673%A----

5568%A----

3184%-----

29170%A----

20770%

-B

56378%

A-

74575%

--

2286%

--

43181%-B--

22068%A---

9575%----

1061%----

27175%

--

49576%

--

252%

52%

-----

22%

-----

22%

-----

38%

-----

133%

-----

103%

--

142%

--

252%

--

--

--

102%----

72%----

64%----

15%----

82%

--

173%

--

15615%

206%

-BC-E

3019%

A--d-

1924%

A--d-

14%

-bc-e

8621%

A--d-

6121%

-B

9413%

A-

15316%

--

27%

--

5310%-BcD

7222%A---

2318%a---

634%A---

5716%

--

9915%

--

61%

--

-----

10%

-----

--

-----

--

-----

51%

-----

41%

--

20%

--

61%

--

--

--

10%----

52%----

--

----

--

----

21%

--

41%

--



Analysis..: Q60b. 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 noadditional fees?

Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Less than £120

£120 exactly

£121 exactly

More than £121

Don't know

Refused

845 216 278 351 406 439 108 132 128 121 108 141 107 240 249 356 141 244 163 292 385 455

856 194 290 371 443 412 109 129 151 147 93 131 95 239 298 319 148 245 162 296 393 457

658%

53%--C

165%--C

4412%AB-

276%

--

389%

--

1110%

-------

118%

-------

85%

-------

96%

-------

99%

-------

65%

-------

1112%

-------

229%---

176%---

268%---

96%----

187%----

75%----

2910%----

277%

--

378%

--

34841%

9046%

---

11238%

---

14740%

---

17339%

--

17442%

--

4541%

-------

5644%

-------

5738%

-------

6947%

-------

4245%

-------

4736%

-------

3234%

-------

10142%

---

12642%

---

12138%

---

4732%---D

8736%---D

6540%----

14750%AB--

13434%

-B

21347%

A-

26131%

6936%

---

8830%

---

10428%

---

15435%

-B

10726%

A-

2422%

--c--F-

4132%

-------

5134%

a------

4228%

-------

2527%

-------

5139%

A------

2729%

-------

6527%

---

9331%

---

10332%

---

6342%--cD

9137%---D

4930%a--D

5619%

ABC-

15439%

-B

10523%

A-

12114%

179%-b-

4816%

a--

5615%

---

5813%

--

6315%

--

2422%

-b--e--

1310%

a------

2215%

-------

2013%

-------

88%

a------

1914%

-------

1617%

-------

3716%

---

4214%

---

4313%

---

2416%----

3514%----

2616%----

3612%----

5915%

--

6113%

--

577%

137%---

269%---

185%---

297%

--

287%

--

55%

-------

97%

-------

128%

-------

85%

-------

1010%

-------

86%

-------

66%

-------

146%---

197%---

247%---

53%---d

135%----

128%----

279%a---

185%-b

399%a-

30%

--

---

10%---

21%---

10%

--

21%

--

--

-------

--

-------

11%

-------

--

-------

--

-------

--

-------

22%

-------

--

---

10%---

21%---

--

----

10%----

21%----

--

----

10%

--

21%

--




Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Less than £120

£120 exactly

£121 exactly

More than £121

Don't know

Refused

845 52 47 793 508 8 244 85

856 51 46 804 515 7 254 79

658%

47%---

48%---

618%---

357%

--CD

--

----

--

A--D

3038%A-C-

34841%

2754%

---

2554%

---

32040%

---

33765%-BCD

--

A---

--

A--D

1114%A-C-

26131%

713%

--C

714%

--c

25532%Ab-

--

-BC-

7100%A--D

254100%A--D

--

-BC-

12114%

817%

---

716%

---

11314%

---

9919%--C-

--

----

--

A--D

2228%--C-

577%

510%

---

48%---

526%---

408%

--CD

--

----

--

A--D

1721%A-C-

30%

--

---

--

---

30%---

31%----

--

----

--

----

--

----




Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table excludes those who answered don't know or refused when asked how much they would owe after 1 month (Q60a)

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Less than £120

£120 exactly

£121 exactly

More than £121

Don't know

Refused

845 276 127 62 33 346 236 609 820 23 475 248 97 10 289 552

856 304 127 62 35 326 231 624 829 24 478 247 105 11 302 550

658%

238%

-----

97%

-----

711%-----

38%

-----

237%

-----

125%

--

538%

--

658%

--

--

--

316%----

2610%----

88%----

--

----

269%

--

397%

--

34841%

12240%-----

5140%-----

3149%-----

1235%-----

13140%-----

10144%

--

24740%

--

33540%

--

1353%

--

18338%----

10442%----

4341%----

762%----

13244%

--

21639%

--

26131%

9431%-----

4233%--c--

1118%-b---

1438%-----

10031%-----

6327%

--

19832%

--

25230%

--

831%

--

16735%-B--

5823%A---

3230%----

222%----

7926%

--

17933%

--

12114%

4515%-----

1411%-----

1118%-----

616%-----

4514%-----

3013%

--

9115%

--

11914%

--

310%

--

7315%----

3414%----

1111%----

216%----

4214%

--

7914%

--

577%

196%

-----

108%

-----

23%

-----

13%

-----

258%

-----

2410%

-b

335%a-

567%

--

15%

--

225%-b--

2410%a---

1010%----

--

----

227%

--

356%

--

30%

10%

-----

--

-----

--

-----

--

-----

21%

-----

10%

--

20%

--

20%

--

--

--

20%----

10%----

--

----

--

----

10%

--

20%

--



Analysis..: Q60a/b. Financial literacyBreak......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

Q60a only correct

Q60b only correct

Q60a & b both correct

Neither correct

1018 259 335 424 456 562 146 163 148 132 132 157 140 309 280 429 151 274 194 393 425 587

1018 229 346 443 495 523 142 156 173 159 116 146 126 298 332 388 158 275 189 390 433 579

51551%

11349%

---

17250%

---

23152%

---

25251%

--

26450%

--

7351%

-------

7448%

---d---

9454%

-------

9761%

-b--eFG

5548%

---d---

6645%

---D---

5644%

---D---

14749%

-b-

19158%a-C

17746%

-B-

7950%----

13449%----

9752%----

20452%----

21349%

--

30152%

--

71%

--

---

--

--c

72%-b-

51%

--

20%

--

--

-------

11%

-------

11%

-------

11%

-------

11%

-------

11%

-------

11%

-------

10%---

31%---

31%---

32%----

31%----

10%----

10%----

61%

--

10%

--

25425%

6930%

--c

8825%

---

9622%

a--

14930%

-B

10420%

A-

2417%

--c--F-

4025%

-------

5029%

a------

4025%

-------

2421%

-----f-

5034%

A---e-g

2621%

-----f-

6421%

---

9027%

---

10026%

---

6038%--cD

8832%---D

4825%a--D

5614%

ABC-

14834%

-B

10418%

A-

24124%

4720%

---

8725%

---

10824%

---

8818%

-B

15329%

A-

4632%

--CD-f-

4126%

--cD---

2816%

Ab--E-G

2012%

AB--E-G

3530%

--CD---

2920%

a-----g

4334%

--CD-f-

8629%

-B-

4814%A-C

10728%

-B-

1711%--CD

4918%---D

4323%A--d

13033%ABc-

6615%

-B

17230%

A-



Analysis..: Q60a/b. Financial literacyBreak......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


Q60a only correct

Q60b only correct


Neither correct

1018 71 64 947 508 8 244 258

1018 70 63 948 515 7 254 241

51551%

3854%

---

3252%

---

47850%

---

515100%-BCD

--

A---

--

A---

--

A---

71%

--

---

--

---

71%---

--

-B--

7100%A-CD

--

-B--

--

-B--

25425%

79%--C

710%

--C

24726%AB-

--

--C-

--

--C-

254100%AB-D

--

--C-

24124%

2637%

--c

2438%

--c

21623%ab-

--

---D

--

---D

--

---D

241100%ABC-



Analysis..: Q60a/b. Financial literacyBreak......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, Respondents

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

Q60a only correct

Q60b only correct


Neither correct

1018 293 162 84 35 443 303 714 990 25 532 330 122 16 354 660

1018 324 157 81 37 417 296 720 989 26 532 324 128 17 362 653

51551%

18758%-b--E

7347%a----

4454%-----

1747%-----

19346%A----

14449%

--

37152%

--

49950%

--

1559%

--

27051%----

16350%----

6450%----

846%----

19353%

--

32249%

--

71%

52%

-----

--

-----

--

-----

--

-----

21%

-----

10%

--

61%

--

71%

--

12%

--

61%----

10%----

--

----

--

----

10%

--

61%

--

25425%

8927%--c--

4227%--c--

1114%

ab-D-

1437%--C--

9823%-----

6221%

--

19127%

--

24625%

--

727%

--

16130%-B--

5718%A---

3225%----

215%----

7821%

--

17326%

--

24124%

4414%

-BC-E

4227%A----

2632%A----

616%-----

12430%A----

8930%

-B

15121%

A-

23724%

--

312%

--

9518%-B--

10432%A---

3325%----

639%----

8925%

--

15223%

--



Analysis..: Q60c. Do you think it would it be..?Break......: c25:c26:c27:c39:c29:c44Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)

TotalBase

Unweighted

Weighted

Region

A. NorthWales

B. Mid &SouthWest

Wales

C. SouthEast

Wales &Valleys

Gender

A. MaleB.

Female

Age 1

A. 16-24 B. 25-34 C. 35-44 D. 45-54 E. 55-64 F. 65~74 G. 75+

Age 2

A. 16-34 B. 35-54 C. 55+

Social Grade 1


SocialGrade 2

A. ABC1 B. C2DE

A. Less than £120

B. Exactly £120

C. More than £120

Don't know

61 14 27 20 30 31 6 9 11 6 11 9 9 15 17 29 5 15 15 26 20 41

60 13 27 20 30 30 5 9 13 8 10 8 8 14 21 26 5 14 15 27 19 41

1220%

17%---

27%--C

945%

-B-

518%

--

622%

--

--

-------

226%

-------

111%

-------

117%

-------

224%

-------

222%

-------

336%

-------

216%

---

313%

---

727%

---

125%----

430%----

216%----

416%----

528%

--

716%

--

610%

16%---

311%

---

312%

---

39%

--

311%

--

--

-------

116%

-------

111%

-------

221%

-------

--

-------

110%

-------

112%

-------

110%

---

315%

---

27%---

--

----

17%----

--

----

520%----

15%

--

513%

--

2948%

1080%

--c

1246%

---

631%

a--

1343%

--

1654%

--

482%

-------

441%

-------

650%

-------

343%

-------

658%

-------

335%

-------

339%

-------

857%

---

1047%

---

1245%

---

119%----

858%----

751%----

1348%----

948%

--

2049%

--

1321%

17%---

1036%

---

211%

---

929%

--

414%

--

118%

-------

117%

-------

428%

-------

119%

-------

218%

-------

334%

-------

113%

-------

217%

---

524%

---

621%

---

356%----

15%----

533%----

517%----

419%

--

923%

--



Analysis..: Q60c. Do you think it would it be..?Break......: c40:c43Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)

TotalBase

Unweighted

Weighted


COST CREDITUSER




A. Q60a onlycorrect

B. Q60b onlycorrect


A. Less than £120

B. Exactly £120

C. More than £120

Don't know

61 4 3 57 43 - - 18

60 5 4 55 44 - - 17

1220%

--

---

--

---

1222%

---

613%----

--

----

--

----

638%----

610%

128%

---

--

---

59%---

614%----

--

----

--

----

--

----

2948%

472%

---

4100%

---

2646%

---

2352%----

--

----

--

----

739%----

1321%

--

---

--

---

1323%

---

921%----

--

----

--

----

422%----



Analysis..: Q60c. Do you think it would it be..?Break......: c30:c32:c41:c42:c36Filter....... : All RespondentsWeight....: w1(w100)Cells....... : Counts, Break %, z-test, RespondentsText........ : This table only includes those who answered don't know or refused when asked how much they would owe after 2 months (Q60b)

TotalBase

Unweighted

Weighted

Working Status


C. Unempl-oyed -

seekingD. Full time

student


Limiting longterm

illness/disability

A. Yes B. No

Ethnicity

A. WhiteB. Non -

white

TenureA. Owned -

with orwithout

mortgage

B. Rentedfrom

Council/HAC. Rented

privately D. Other


A. Yes B. No

A. Less than £120

B. Exactly £120

C. More than £120

Don't know

61 21 10 2 1 27 24 37 59 1 26 25 10 - 21 40

60 20 10 2 1 27 25 35 58 1 25 25 10 - 23 38

1220%

421%-----

113%-----

149%-----

--

-----

520%-----

626%

--

515%

--

1017%

--

1100%

--

522%----

520%----

113%----

--

----

416%

--

822%

--

610%

--

-----

114%-----

--

-----

--

-----

518%-----

625%

-B

--

A-

611%

--

--

--

313%----

27%----

113%----

--

----

417%

--

26%

--

2948%

1258%-----

549%-----

151%-----

1100%

-----

1140%-----

935%

--

2158%

--

2950%

--

--

--

937%----

1353%----

766%----

--

----

1045%

--

1951%

--

1321%

421%-----

225%-----

--

-----

--

-----

623%-----

414%

--

927%

--

1322%

--

--

--

728%----

520%----

18%----

--

----

523%

--

821%

--

Wales Omnibus - reshare.ukdataservice.ac.ukreshare.ukdataservice.ac.uk/852437/2/B01510-2_June... ·...

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Transcript of Wales Omnibus - reshare.ukdataservice.ac.ukreshare.ukdataservice.ac.uk/852437/2/B01510-2_June... ·...