Abstract
A few years ago some colleagues and I were undertaking research on peoples’ experiences of personal debt and how it impacted their mental wellbeing. We decided to talk to a range of people in the South East of England who might know about debt. These included debt clients, bailiffs, debt counsellors, mainstream credit suppliers such as banks and building societies, debt collectors, credit unions, people who worked for national organisations such as the Centre for Responsible Credit and the Lending Standards Board, and people involved in financial education programmes at both a local and a national level. Initially we simply wanted to hear what people had to say about the way in which experiences of financial strain generated suffering to try to get a better understanding of the pathways that linked credit acquisition and mental health and that seemed to be so well established in the academic literature. On carrying out this work there were two key things that surprised me.
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