# References

Please note that some of the links below may no longer be valid because of the reorganisation of government departments and agencies.

Bank of England (2010a) ‘Table A5.2 Total lending to individuals: net lending’; ‘Table LPMVTXC Monthly amounts outstanding of total sterling net lending to individuals and housing associations’ and ‘Table LPQVZRI Quarterly amounts of total sterling net unsecured lending to individuals’ [online], http://www.bankofengland.co.uk/statistics/ms/2005/may/index.htm#a (Accessed 23 August 2010).

Bank of England (2010b) ‘Trends in lending’(August), Bank of England. http://www.bankofengland.co.uk/publications/other/monetary/TrendsAugust10.pdf (Accessed 8 March 2011).

BBC News (2010) ‘“Unfair” bank charges to be banned, government proposes’ [online], http://www.bbc.co.uk/news/10130671 (Accessed 23 August 2010).

Ben-Galim, D. and Lanning, T. (2010) ‘Strength against shocks: low-income families and debt’, Institute for Public Policy Research, London. http://www.ippr.org.uk/members/download.asp?f=%2Fecomm%2Ffiles%2Fstrength%5Fagainst%5Fshocks%2Epdf (Accessed 8 March 2011).

Bridges, S. and Disney, R. (2004) ‘Use of credit arrears on debt among low income families in the United Kingdom’, Fiscal Studies, vol. 25, no. 1, pp. 1–25.

Brown, S., Taylor, K. and Price, S.W. (2005) ‘Debt and distress: evaluating the psychological cost of credit’, Journal of Economic Psychology, vol. 26, pp. 642–3.

Browne, Lord J. (2010) ‘Securing a sustainable future for higher education: an independent review of higher education funding and student finance’ [online], www.independent.gov.uk/browne-report (Accessed 26 October 2010).

Citizens Advice (2003) In too Deep: CAB Clients’ Experience of Debt, Citizens Advice and Citizens Advice Scotland [online], http://www.citizensadvice.org.uk/in-too-deep.pdf (Accessed 20 December 2005).

Citizens Advice (2009a) Annual Report and Accounts, p. 1. London. http://www.citizensadvice.org.uk/index/aboutus/publications/annualreports/ar_10.htm (Accessed 8 March 2011).

Citizens Advice (2009b) ‘A life in debt: the profile of CAB debt clients in 2008’, p. 10, Social Policy Department, London.

Citizens Advice (2009c) ‘A life in debt: the profile of CAB debt clients in 2008’, p. 4, Social Policy Department, London.

Communities and Local Government (2010) ‘Repossessions hit two-year low’ [online] http://www.communities.gov.uk/newsstories/housing/1714361 (Accessed 8 March 2011).

Competition Commission (2005) Store Cards – No Competitive Pressure on APRs and Insurance Charges, News Release, 14 September [online], http://www.competition-commission.org.uk/press_rel/2005/sep/pdf/57-05.pdf (Accessed 21 December 2005).

Council of Mortgage Lenders (CML) (2010) ‘Fixed rate mortgages gained in popularity in June’ [online], http://www.cml.org.uk/cml/media/press/2682 (Accessed 26 October 2010).

Credit Action (2010a) ‘Debt statistics’ [online] http://www.creditaction.org.uk/helpful-resources/debt-statistics/2010.html (Accessed 8 March 2011).

Credit Action (2010b) ‘Debt statistics: May 2010’ [online] http://www.creditaction.org.uk/helpful-resources/debt-statistics/2010.html (Accessed 8 March 2011).

Debelle, G. (2004) ‘Household debt and the macroeconomy’, BIS Quarterly Review, March, pp. 51–64.

Del-Rio, A. and Young, G. (2005) ‘The determinants of unsecured borrowing: evidence from the British Household Panel Survey’, Bank of England Working Paper Number 263, London, Bank of England.

Department for Business, Innovation and Skills (BIS) (2010) ‘Over-indebtedness in Britain: a DTI follow-up report’ [online] http://www.bis.gov.uk/assets/biscore/consumer-issues/docs/10-829-over-indebtedeness-first-report.pdf (Accessed 6 April 2011).

Department of Trade and Industry (DTI) (2004) Tackling Over-indebtedness: Action Plan 2004 [online], http://www.dti.gov.uk/ccp/topics1/pdf1/overdebt0704.pdf (Accessed 20 December 2005).

Department of Trade and Industry (DTI) (2005) Over-Indebtedness in Britain: A DTI Report on the MORI Financial Services Survey 2004 [online], http://www.dti.gov.uk/ccp/topics1/pdf1/debtdtionmori.pdf (Accessed 20 December 2005).

Furnham, A. and Argle, M. (1998) The Psychology of Money, London, Routledge.

Gross, D.B. and Souleles, N.S. (2002) ‘Do liquidity constraints and interest rates matter for consumer behavior? Evidence from credit card data’, The Quarterly Journal of Economics, vol. 117, pp. 149–85.

Hellebrandt, T. and Young, G. (2008) ‘The financial position of British households: evidence from the 2008 NMG Research survey’, Bank of England Quarterly Bulletin, Quarter 4, pp. 384–2.

HouseWeb (2010) ‘UK interest rates’ [online], http://www.houseweb.co.uk/house/market/irfig.html (Accessed 4 November 2010).

Independent (2010) ‘Debt is a feminist issue: Huge leap in bankruptcy among women’ 25 July http://www.independent.co.uk/news/uk/home-news/debt-is-a-feminist-issue-huge-leap-in-bankruptcy-among-women-2034991.html# (Accessed 7 march 2011).

Kempson, E., McKay, S. and Willitts, M. (2004) ‘Characteristics of families in debt and the nature of indebtedness’, Research Report No. 211, London, Department for Work and Pensions.

Lury, C. (2004) ‘Everyday life and the economy’, in Bennett, T. and Watson, D. (eds) Understanding Everyday Life, Oxford, Blackwell.

Office of Fair Trading (OFT) (2005) Money and Credit – Tips on Debt [online], http://www.oft.gov.uk/consumer/money/tips.htm (Accessed 19 December 2005).

Office for National Statistics (ONS) (2009) ‘Household wealth in GB £9 trillion in 2006/08’, News Release, 10 December 2009, p. 1. [online] http://www.statistics.gov.uk/pdfdir/wealth1209.pdf (Accessed 8 March 2011).

Office for National Statistics (ONS) (2010a) ‘Gross domestic household income’ [online] http://www.statistics.gov.uk/statbase/TSDdownload2.asp (Accessed 4 November 2010).

Office for National Statistics (ONS) (2010b), Retail Prices Index: quarterly index numbers of retail prices 1948–2010 (RPI) (RPIX), http://www.statistics.gov.uk/statbase/expodata/files/5081012911.csv (Accessed 17 February 2011).

Office for National Statistics (ONS) (2010c) ‘London clearing banks base rate’, http://www.statistics.gov.uk/statbase/TSDdownload2.asp (Accessed 17 February 2011).

Oxera (2004) Are UK Households Over-indebted?, Oxford, Oxford Economic Research Associates.

Social Justice Policy Group (2007) ‘Breakthrough Britain: ending the costs of social breakdown’, Volume 5: serious personal debt, p. 13 [online], http://centreforsocialjustice.org.uk/client/downloads/debt.pdf (Accessed 2 November 2010).

The Guardian (2004) ‘Landmark ruling as judge erases couple’s debt’, 28 October [online], http://money.guardian.co.uk/creditanddebt/debt/story/0,1456,1338330,00.html (Accessed 21 December 2005).

The Guardian (2005) ‘Court cancels debt that grew from £6,000 to £380,000’, 28 July [online], http://money.guardian.co.uk/creditanddebt/story/0,1456,1537662,00.html (Accessed 21 December 2005).

The Times (2008) ‘City high-flyers are paid too much, argues Archbishop of Canterbury’, 26 April [online], http://www.timesonline.co.uk/tol/comment/faith/article3815777.ece (Accessed 17 January 2011).

Tudela, M. and Young, G. (2005) ‘The determinants of household debt and balance sheets in the United Kingdom’, Bank of England Working Paper no. 266, London, Bank of England.

UK Parliament (2003) Report Published on Transparency of Credit Card Charges, Treasury Committee Press Notices, 17 December [online], http://www.parliament.uk/parliamentary_committees/treasury_committee/tc171203_04.cfm (Accessed 20 December 2005).

YouGov (2006) ‘Survey for the Social Justice Policy Group’ cited in Social Policy Justice Group (2007) ‘Breakthrough Britain: ending the costs of social breakdown’, Volume 5: serious personal debt, p. 14 [online], http://centreforsocialjustice.org.uk/client/downloads/debt.pdf (accessed 2 November 2010).

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