Transcript PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of

PHA TENANT SURVEY
(FINANCIAL EXCLUSION)
Presentation of results
Prepared for:
BILL SARGENT TRUST
MS30053
Prepared by:
MARKETING SCIENCES LTD
8 St Clement Street
Winchester
Hampshire SO23 9DR
Tel: 01962 842211
Fax: 01962 840486
SEPTEMBER 2002
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Methodology
•
Random sample of 433 general needs tenants of Portsmouth
Housing Association/Southlands Housing Association Keyplan
tenants
•
31 taken out (unsuitable for interview) – left 402
•
7 “outlying” addresses – did not allocate
•
Achieved 213 interviews from 395 addresses (target was 200)
•
Interviews carried out in July 2002 with named tenant or their
spouse/partner
-1-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Outcomes
•
Addresses allocated
Interviews achieved
No contact
Refusals
Empty
Other (e.g. too frail)
•
Taking the 5 empty properties out of the starting base of 395
means the 213 interviews = 55% success rate
•
Looked at achieved sample profile in terms of –
– area (postcode)
– type of property
– whether PHA or Southlands
•
Weighting required on 1 factor only (property type – too many 3
bedroom houses and concomitantly too few 1 bedroom flats)
=
=
=
=
=
=
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395
213
123
44
5
10
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents
Q1 Length of tenancy
Less than 1 year
%
10
1 up to 3 years
19
3 up to 10 years
51
10 up to 20 years
15
20 years or more
4
Base: all responding (212)
Q29 Ethnic origin
White British
Other
97
3
Base: all responding (205)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents (cont.)
Q24 Number in household
One
28
Two
Q24/Q25 Household type
%
25
Three
17
1 adult under 60 living on own
14
1 adult 60+ living on own
13
1 parent family with child(ren) at least 1 under 16
35
2 parent family with child(ren) at least 1 under 16
Four
Five
Six or more
23
19
Couple, both under 60 (no children)
4
Couple, at least 1 60+ (no children)
4
6
5
Average: 2.7
Base: all responding (213)
%
Other
Base: all responding (210)
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7
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents (cont.)
Q27 Current situation (respondent and spouse/partner)
Q26 Age
10
18-24
%
28
25-34
Full-time employee (30+ hrs/week)
Part-time employee (1-29 hrs/week
Government supported training
45-54
55-64
%
13
Self-employed
26
35-44
26
5
1
15
Unemployed and available for work
8
5
Fully retired
14
<1%
65-74
6
Full-time education
75+
7
Looking after family/home
23
Permanently sick/disabled
Base: all responding (213)
Other
11
1
Base: all respondents and spouse/partners (277)
• 53% of households - tenant (and spouse/partner if applicable) not in work
• 47% of households - tenant and/or spouse or partner in work
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TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q41/Q43 Sources of income (respondent and/or spouse or
partner)
57
Child Benefit
49
Housing Benefit
47
Earnings from (self) employment
38
Council Tax Benefit
35
Income Support
Working Families Tax Credit
21
State retirement pension
15
Disabled Living Allowance/Attendance Allowance
13
10
Pension from former employer
8
Incapacity Benefit
Job Seekers Allowance
4
Rent/keep from household member
3
Interest from savings/investments 2
Carers allowance 2
Maintenance (ex partner) 2
Other
Base: all responding (213)
%
4
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- less than half have a wage
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q45/Q46/Q47 Whether thinks might be eligible for benefits not
receiving and reasons for not claiming
Q46 Respondent and/or spouse/partner might be eligible for benefits not claiming?
Yes
6
%
No
71
23
Don't know
Base: all responding (213)
Q47 Which benefits?
Disabled Living Allowance/Attendance Allowance
34
Income Support
%
28
Housing Benefit
13
Council Tax Benefit
13
Working Families Tax Credit
13
N.B. IS LOW BASE
OF 13 PEOPLE
Q48 Why not claiming?
Only just found out can claim
26
Been told not eligible
26
Circumstances constantly change
Circumstances recently changed - not eligible before
Not worth it/too much hassle
18
14
12
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q42/Q44 Net total weekly income (respondent and/or spouse
or partner)
Total amount
Total exc. dk/ref.
£124 or less
22
£125 - £174
25
%
18
16
£225 - £274
£49 or less
%
22
19
£175 - £224
Per capita amount
13
11
21
24
£75 - £99
20
23
£100 - £124
11
9
7
8
£125 - £174
£325 - £424
6
7
£175 - £224
4
4
£555+ 2
13
11
6
5
£225 - £274 1
2
20
%
£50 - £74
£275 - £324
£425 - £554
17
Per capita exc.dk/ref.
2
<1%
£275+
1
Don't know
7
N/A
Don't know
7
N/A
Refused
8
N/A
Refused
8
N/A
Average £91.05
Average £207.87
Base: all responding (212)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q30a/b Reasons for not working (full-time) – respondent
and/or spouse or partner
55
Don't want to leave child(ren) with someone else
21
No suitable work available/can't find right job
Childcare too expensive
18
Would mean benefits reduced
17
Carer for someone who is long term sick/disabled
9
Lack of qualifications
7
5
Other health/sickness reason
Care for home/full-time housewife/househusband
3
Studying/college course
2
Just been made redundant
2
Pregnant 2
Lack of registered childcare
2
Base: respondents and spouse/partners working
part-time or unemployed or looking after
family/home (115)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q32/Q33 Current childcare arrangements and any additional
needed
Q32 Current
59
None
Relative/friend not registered as childminder
76
%
28
Half day play group/preschool/nursery
All day nursery
Q33 Additional needed
5
11
3
3
5
After school supervision/club 2
8
4
Registered childminder 2
Relative/friend registered as childminder
most popular are
for school age
children
2
2
9
School holiday supervision 1
Base: those with children 0-15 in household (121)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q34 Cost of childcare per week
Nothing
65
Under £5
£5-£14
9
5
£15-£24
8
£25-£34
10
£35+
Only 17 people paying for childcare
(8% of total sample)
4
Average £6.38
Average (exc. nothing) £17.99
Base: those with childcare arrangements (49)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q18/Q19/Q22 Whether has bank/building society account and,
if so, how many
Q18 Has bank/building society account?
Yes
No
%
77
22
Base: all responding
(213)
Q19 How many?
One
%
67
Two or more
33
Base: all responding with an account
(164)
Q22 In credit?
Yes
No
%
90
9
Base: all responding with an account
(159)
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TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q20/Q21 Whether uses (all) accounts and, if not, why not
Q20 Use (all) account(s)?
Yes
No
88
%
12
Base: all responding with an account
(164)
Q21 Reasons for not using
Only a small amount of money in it
40
Savings account/money for future
38
Can't afford to/no money to put in
Prefer using cash
22
9
Base: all responding with an account they do not use
N.B. IS LOW BASE OF 19 PEOPLE
%
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(19)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q23 Reasons for not having bank/building society account
Prefer to deal in cash
No money to put in
26
Can't be
bothered/never got
round to it
Poor credit rating
%
47
21
11
Base: all responding without a bank/building society account
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(46)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q4/Q5 Fuel(s) used and current suppliers
Q4 Fuel(s) used
Electricity only
14
%
Electricity and gas
86
Base: all responding (213)
Q5 Electricity supplier
Southern Electric(ity)/SEB
61
British Gas
Southern Gas
%
20
4
Southern 3
Base: all responding (212)
Q5 Gas supplier
British Gas
54
Southern Electric(ity)/SEB
Southern Gas
N Power
23
6
3
TXU Energy 3
Base: all responding using gas (183)
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%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q5 Whether using same or different supplier for gas and
electricity
Same or different?
Same supplier
Different suppliers
%
47
53
Base: all responding using both gas and electricity (176)
Which?
Southern Electric(ity)/SEB
43
British Gas
42
%
Base: all responding who use same supplier (82)
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TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q6 Spend per year on electricity and gas
Gas
Electricity
5
Under £100 1 %
£100-£199
21
21
£200-£249
14
17
£250-£299
13
12
£300-£399
18
17
£400-£499
10
10
£500-£599
£600-£999
9
12
5
6
£1000-£1300 1
Don't know
%
<1%
6
5
Average £318.50
(213)
Base: all responding using electricity/gas
£296.86
(182)
-17-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q6 Total spend per year on fuel
Under £300
16
£300-£399
13
£400-£499
13
£500-£599
14
£600-£699
8
£700-£799
9
£800-£899
5
£1000-£1099
6
Don't know
Average
- No significant differences in
expenditure between those having
same supplier for electricity and
gas compared to those using
different supplier
-Those using electricity only have
lower average expenditure (but is a
small base of 30 people)
7
£900-£999
£1100+
%
4
6
£572.09
Base: all responding (213)
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TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q7 Ease of finding money to pay for fuel
Very easy (+4)
25
%
73% easy
Fairly easy (+3)
48
Fairly difficult (+2)
21
27% difficult
Very difficult (+1)
Average
6
2.92
Base: all responding (210)
• Most difficulty –
- those living alone (40% very/fairly difficult)
- those living in a flat (35% very/fairly difficult)
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TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q8 How pay for gas/electricity
Gas
Electricity
Tokens/meter
48
Direct Debit/Standing Order
Cash/cheque at Post Office
%
39
19
19
10
13
Key
8
N/A
Cash/cheque at bank
7
6
Cards 2
13
Cheque/PO in the post 2
Don't want to pay other way
%
4
92
Base: all responding
94
(213)
-20-
Base: all responding using gas
(183)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q11 Methods used to save energy
81
Switch off lights if room not being used
Double glazing/secondary glazing
78
57
Not boil full kettle if not needed
Use half load on washing machine/economy wash
49
Don't leave television on standby
46
Keep doors closed
37
Don't heat rooms don't use
37
Energy efficient appliances
34
Use low energy light bulbs
34
Shower instead of bath
24
Insulation on hot water tank/pipes
24
Add extra loft insulation
Thermostatic radiator valves
Draught proofing doors/windows
21
19
15
-21-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q12/Q15 Whether has contents insurance and, if so, with
which company
Q12 Contents insurance?
Yes
No
47
%
53
Base: all responding
Least likely to have contents insurance
– aged under 55 (57% no)
(213)
– tenants less than 3 yrs (60% no)
Q15 Insurance company
(Lloyds) TSB
18
Age Concern
9
Thomas Winter/Royal & Sun Alliance
8
Abbey National
%
6
Farrs/Wessex Admin Services
4
Nationwide
4
NatWest
4
Housing Association (n.m.s)
4
Norwich Union 3
Co-op Insurance 3
(Don't know/can't remember)
10
Base: all responding who have contents insurance (98)
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– 1 person households (59% no)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q13/Q14 Cost per year of contents insurance and maximum claim
Q13 Cost per year
Q14 Maximum claim
Nothing (inc. with rent) 2 %
Under £50
10
£50-£99
£1,000 or less
6
£1,200-£2,000
5
£3,000-£5,000
28
3
£7,000-£10,000
£100-£149
9
30
£12,000-£15,500
£150-£199
(Don't know)
5
wide
range of
amounts
8
£16,000-£18,000
£200-£249 4
£250+
%
3
£20,000-£25,000
5
5
£30,000
14
Average: £119.52
Average exc: “nothing”: £121.70
£35,000-£40,000
£50,000-£60,000
10
7
5
Unlimited 2
(Don't know)
Average: £22,420
Base: all responding with contents insurance (98)
-23-
40
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q16 Reasons for not having contents insurance
Can't afford it/too expensive
46
Never got round to it
Don't have anything worth insuring
Don't think anything will happen/feel secure
32
12
8
Base: all responding who do not have contents insurance (114)
-24-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q17 Whether contents insurance would have been useful in past
Q17 Occasions in past when would have been useful?
Yes
23
No
%
77
Base: all responding who do not have contents insurance (114)
Which occasions
Flood damage
26
Burglary/break in
Electrical goods broken/damaged
Stains/spills on carpets/furniture
Stolen goods/property
22
17
15
10
Base: all responding who do not have contents insurance
but think it might have been useful in past (26)
N.B. IS LOW BASE OF 26 PEOPLE
-25-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q35 Whether has any outstanding loans/debts and, if so, what
Q35 Have outstanding loans/debts?
Yes
No
56
%
43
- aged 18 – 34 (79%)
- have kids (71% single parents,
75% couple with kids)
- *working (71%)
(*respondent and/or spouse or partner)
Refused 1
Base: all responding
Most likely to be
(213)
Q35 Loans/debts outstanding
None
Outstanding payments for catalogue purchases
Rent arrears
Loan from doorstep collector
Bank/building society loan or overdraft
Outstanding payments on credit card
Council Tax/Community Charge debt
Loan from friend/relative
Loan from finance house/loan company
Outstanding payments on store card
Social Services loan
Outstanding fine
Loan from pawn shop
Loan from employer
Base: all responding
43
19
18
17
14
10
8
7
7
3
3
2
2
<1%
(213)
-26-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q39 How much worry about paying loans/debts
Worry a lot
Worry a bit
Don't worry at all
36
%
29
35
Base: all responding with loan/debt outstanding
-27-
(117)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q36 Amount borrowed/outstanding for each
Outstanding payments
for catalogue purchases
Highest
Lowest
Average
(Base)
£3,000
£20
£377
(41)
Loan from
friend/relative
Highest
Lowest
Average
(Base)
£2,000
£70
£1,129
(15)
£500
£153
£357
(6)
Rent arrears
£2,800
£20
£720
(38)
Outstanding
payments on store
card
Loan from doorstep
collector
£3,000
£11
£665
(37)
Social Services loan
£700
£400
£508
(6)
Bank/building society
loan or overdraft
£9,000
£50
£2,699
(30)
Outstanding fine
£500
£100
£228
(5)
Outstanding payments
on credit card
£10,000+
£161
£1,384
(20)
Loan from pawn shop
£600
£25
£173
(3)
Council Tax/Community
Charge debt
£2,152
£191
£971
(17)
Loan from employer
£500
£500
£500
(1)
Loan from finance
house/loan company
£7,000
£100
£2,663
(15)
Base: those with each outstanding loan/debt
-28-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q36 Total amount borrowed/outstanding
Up to £100
11
£101 - £300
12
£301 - £500
12
£501 - £700
£701 - £1,000
9
5
£1,001 - £1,500
£1,501 - £2,000
9
3
£2,001 - £4,000
9
£4,001 - £6,000
5
£6,001 - £9,000
6
£9,001+
(Don't know)
(Refused)
%
4
6
10
Average £2,043
Base: all responding with an outstanding debt/loan
-29-
(119)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q37 Total amount paying back per week
Nothing
Less than £5
£5 - £9
£10 - £14
£15 - £19
£20 - £24
£25 - £29
£30 - £34
£35 - £39
£40 - £44
£45 - £49
£50 - £74
£75 - £99
£100+
(Don't know)
(Refused)
13
%
8
14
16
8
3
7
5
3
4
5
6
2
3
1
3
Average £24.01
Average exc. “nothing” £27.64
(Base: all responding with an outstanding debt/loan)
(119)
-30-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q38 Interest rate being charged
Nothing
Don’t
know
Lowest
Highest
%
%
Outstanding
payments for
catalogue purchases
50%
48%
14%
14%
Rent arrears
49%
51%
-
Loan from doorstep
collector
0%
69%
Bank/building society
loan or overdraft
13%
Outstanding
payments on credit
card
(Base)
Nothing
Don’t
know
Lowest
Highest
%
%
(Base)
(41)
Loan from
friend/relative
59%
35%
4.5%
4.5%
(15)
-
(39)
Outstanding payments
on store card
0%
84%
29.5%
29.5%
(6)
1.7%
62%
(37)
Social Services loan
82%
18%
-
-
(6)
70%
1%
17.5%
(30)
Outstanding fine
74%
26%
-
-
(5)
5%
51%
1.9%
24.9%
(22)
Loan from pawn shop
0%
53%
30%
40%
(3)
Council
Tax/Community
Charge debt
44%
56%
-
-
(17)
Loan from employer
100%
0%
-
-
(1)
Loan from finance
house/loan company
0%
78%
8%
60%
(15)
Base: all responding with each type of loan/debt
-31-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q40 Difficulties (might) have in obtaining credit or borrowing money
None/no problems
40
21
Don't want to have credit/won't get into debt if no credit
10
No chance/can't get credit/very difficult
Ex partner in debt with house/mortgage
5
Blacklisted
4
Unemployed/no work
4
Bad credit rating from previous tenants 3
Don't earn much/enough 3
On Income Support/benefits 2
Too old/on a pension 2
CCJ's (in past) 2
Single parent 2
Base: all responding
(207)
-32-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q49 Topics would be interested in receiving more information on
None
46
Contents insurance
24
Benefits
19
Energy saving
15
Debt
11
Childcare
11
Getting a job
10
Fuel bills/providers
9
Getting a bank/building society account 2
Base: all responding (213)
-33-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q48 Best way to give information to tenants
Personalised letter in post
77
Leaflet through door
34
Article in newsletter/"Open Door"
Through tenant representative/local tenant group
15
4
Personalised e-mail 3
Phone
3
Tenant website 1
Poster in Housing Office
<1%
None/not interested 1
Base: all responding (212)
-34-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q2 Likes about current home (spontaneous)
Area/location
55
Any area/location comment
28
Nice area/location/like the area
20
Quiet/secluded area
Friendly neighbourhood
12
Near/convenient for shops
11
Convenient/good location/central
10
Convenient for schools/work
%
5
Size/layout
Any size/layout comment
44
Big/spacious/roomy
20
Like size of house/flat
Space well used/good layout
%
13
5
Others
Generally love it/great/like everything
Nothing liked
22
%
Base: all responding (213)
12
-35-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q3 Dislikes about current home (spontaneous)
Repairs/maintenance
Area/location
35
Any area/location comment
%
Length of wait for repairs
6
Maintenance/repairs poor quality
5
10
Dislike area/location
Gangs of kids cause trouble
7
Kids vandalise cars/property
6
Dirty/litter/rubbish/glass around
5
8
Poor condition/needs work
12
Problem neighbours/unruly
23
Any repairs/maintenance comment
Size/layout
Other
28
Any size/layout
Too small/need more bedrooms
Nothing disliked
%
11
Don't like style/design/layout
4
Small kitchen
4
Rent too high
Base: all responding (213)
-36-
24
5
%
%