Cost of living - effects on debt: review of emerging evidence

Acknowledgements

Thanks are due to several people for their valuable input and advice. In particular: Morag Treanor, Professor of Social Policy and Inequality at the University of Glasgow for reviewing the report. Also to Linda Hutton, Senior Research Officer at Citizens Advice Scotland; Sharon Bell, Head of StepChange Debt Charity Scotland; Rachelle Earwaker, Senior Economist and Maudie Johnson-Hunter, Economist at the Joseph Rowntree Foundation; Paul Das, Debt Insight Manager at the Money and Pensions Service; and Andrew Murphy at the Financial Conduct Authority.