HARTFREE, Y. et al., 2012. Sustaining debt repayments. Experiences of people in informal repayment arrangements. Centre for Research and Social Policy at Loughborough University on behalf of the Money Advice Trust and Lloyds Banking Group, 57pp.
This report provides insight into the experiences of people in informal debt repayment
arrangements and the Scottish Debt Arrangement Scheme, and the factors influencing
the sustainability of debt repayments. Drawing on quantitative and qualitative research it
seeks to improve understanding of the consumer experience of setting up and managing
a debt repayment arrangement, and the key influences on the outcomes of repayment
arrangements. The report also provides an account of the similarities and variation
across different informal debt repayment arrangements, looking at free and fee-charging
Debt Management Plans (DMP), self-negotiated agreements (SNA), and the statutory
Debt Arrangement Scheme (DAS) in Scotland.