Transcript Slide 1
National Debtline Performance Evaluation August 2008 Prepared for: National Debtline Prepared in compliance with the International quality standard covering market research, ISO 20252 by Illuminas, Lion House, 141-145 Curtain Road, London, EC2A 3AR, UK T +44 (0)20 7909 0929 F +44 (0)20 7909 0921 E [email protected] www.illuminas-global.com Background: a measure of performance In order to secure ongoing support for the services offered by National Debtline, it is considered important to monitor the performance of the service against specific objectives Research objectives: To measure and evaluate the performance of National Debtline Specifically, to look at caller satisfaction with the overall service, including the telephone advice service, the email service and the website To compare performance measures with previous years to investigate whether any significant changes are evident To look at immediate & on-going impact of contact with National Debtline In particular, to investigate the impact of contact with NDL on a caller’s ability to manage their money and debt To look at any wider issues that may result from contacting NDL and the impact on overall control of finances 2 A quantitative approach providing robust measurement Performance evaluation 15-minute telephone interviews with individuals who had contacted National Debtline between September 2007 and February 2008 250 interviews with callers from England & Wales 50 interviews with callers from Scotland Total 300 interviews Longitudinal impact evaluation 15-minute telephone interviews with individuals who had contacted National Debtline 2 years ago, 4 years ago and 5 years ago 2 years on callers: Participated in performance evaluation survey ‘06 Total 90 interviews 4 years on callers: Participated in longitudinal impact survey ‘06 and performance evaluation ‘04 5 years on callers: Participated in longitudinal impact survey ’06 and ‘04 and performance evaluation ‘03 Total 41 interviews Total 31 interviews Website pop-up survey Pop up survey on NDL website 3 Total 450 responded Methodology All fieldwork conducted by The Wire, Illuminas’s own telephone and online interviewing unit Data sources: Performance evaluation: Caller details provided by National Debtline All provided consent for details to be passed on to a third party for purpose of research Longitudinal impact: Those who participated in previous waves of research and agreed to be re-contacted - 162 interviews achieved Website evaluation: Pop-up placed on National Debtline website during May – July 2008 4 Overview of Performance Evaluation Executive summary Part I: Performance evaluation Performance evaluation: key measures Making the first call: awareness and experience Delivering advice: literature and website Part II: Website evaluation Part III: Longitudinal impact evaluation Longitudinal impact evaluation: key measures Practical long-term benefits Wider impact of contact Literature Summary and conclusions Appendix Performance evaluation Website evaluation Longitudinal evaluation 5 Executive Summary Executive Summary: A continued success story Continuing short and long-term satisfaction: Both recent callers to National Debtline and callers who used the service some time ago report high levels of satisfaction with the service received: …95% of callers satisfied who used the service during 2008 …94% of callers satisfied from two years ago …92% of callers satisfied from four years ago …97% of callers satisfied from five years ago High levels of recommendation: Majority find the information provided by National Debtline extremely helpful and are keen to recommend it 75% of 2008 callers found the advice to be extremely helpful 85% of 2008 callers would definitely recommend the service to someone experiencing debt difficulty Reducing debts over time: For many, speaking to National Debtline prompts them to take positive action to reduce their debt Of those callers who spoke to National Debtline 2 years ago, 19% no longer have any outstanding debt, while 27% of callers from 4 years ago and 32% from 5 years ago no longer have any outstanding debt Use of the website: Website usage continues to increase in terms of first time and repeat usage – and is rated now even more highly than two years ago, particularly in terms of ease of use (a major positive attitudinal shift seen among callers in Scotland) Areas for consideration: Those with new debt are much more likely to be those who first called five years ago (and are less likely to be confident about managing money and feeling in control of life). Proximity to the advice engenders confidence and control 7 Executive Summary: Performance Evaluation (I) Continuing high levels of satisfaction and recommendation in 2008 78% of callers were very satisfied with the service 75% of callers found the information and advice provided to be extremely helpful 85% of callers would definitely recommend the service Encouragingly, satisfaction amongst callers in Scotland is now largely on a par with callers from England 72% of callers in Scotland were now very satisfied with the service versus 66% in 2006 78% now found the information and advice provided extremely helpful versus 66% in 2006 A large proportion of callers were prompted to take direct action after contact 70% of callers contacted the companies they owed money to and 76% of these callers came to an arrangement with the companies using the advice provided by NDL 91% of those callers who contacted and made arrangements with companies have kept to the agreement Contact also had a positive attitudinal effect on managing debt 90% of callers agreed they felt more knowledgeable about financial matters overall 85% of callers agreed they felt less likely to find themselves in a similar situation again 84% of callers agreed they felt more confident about managing money in general 8 Executive Summary: Performance Evaluation (II) Mixed levels of awareness of what the service offered before contact 39% of callers knew nothing about what the service offered when they first called NDL 59% of callers knew that National Debtline offered advice on handling debts The Internet is an ever-increasing source of awareness of National Debtline 27% of callers first heard about NDL via the internet (versus 22%, 15% and 11% previously) A vast increase in proportion of callers able to reach an adviser the first time they called 80% of callers got through first time (versus only 53% in 2006) High levels of praise reserved for NDL advisers 80% of callers strongly agreed that the adviser was easy to talk to 84% of callers strongly agreed that the adviser dealt with their situation in a professional way 65% strongly agreed they had a better understanding of how to manage debt as a result of NDL Increased use of website continues in 2008 Website rated more highly against all performance measures Note: substantial positive shift in scores amongst callers in Scotland Overall, and in terms of contact with advisers, literature and website 9 Performance Evaluation: Website Evaluation (I) Website searches are an extremely effective method of drawing people to the website Half (50%) of website users found the NDL address via an internet search However, a significant proportion (23%) experienced problems finding the NDL website Website being used even more fully in 2008 59% of users this time versus 38% in 2006 had searched for information/ advice about debt NDL clients are almost twice as likely this time to have: viewed templates; downloaded templates; accessed factsheets; used budget sheet; etc Some evidence to suggest the website is assisting more users to take productive action 48% of users this time versus 36% in 2006 state are going to contact creditors Reactions to the website even more positive in 2008 E.g. 80% of users this time versus 71% in 2006 rated the website as “good” or “excellent” for providing easy-to-understand information 10 Executive Summary: Longitudinal Evaluation (I) High levels of satisfaction and recommendation remain over time 98% of callers from 2 years ago, 95% from 4 years ago, and 96% from 5 years ago were satisfied with the service they received from National Debtline 98% of callers from 2 years ago, 97% from 4 years ago, and 100% from 5 years ago would recommend the service Previous callers appear successful in reducing their debts 19% of callers from 2 years ago no longer have an outstanding debt 27% of callers from 4 years ago no longer have an outstanding debt 32% of callers from 5 years ago no longer have an outstanding debt A high proportion of respondents are able to maintain payment arrangements over time 78% of callers from 4 years ago contacted companies they owed money to and 81% of these callers came to an arrangement with these companies Of those callers who had made arrangements, 92% kept to these arrangements. The majority of these arrangements had been made over two years ago 11 Executive Summary: Longitudinal Evaluation (II) Respondents report that contacting NDL engenders self-sufficiency in financial matters Around 6 in 10 callers from 2-4 years ago strongly agreed they were more in control, more knowledgeable, or more confident about managing their money. However, those from 5 years ago were slightly less likely to strongly agree (and are more likely to have new debt) Evidence suggests there are wider consequences of debt 36% had visited a doctor because of the stress of debt 23% had time off work as a result of stress NDL advice has a positive impact on callers’ emotional states in particular 9 in 10 of callers from 2 to 5 years ago state this Literature provided by National Debtline is shown to be of high value over time 83% of callers from 2 years ago and 84% from 4 and 5 years ago reported that they read the literature and stored it for future reference 38% of these callers have looked at the information since they first stored it 12 Part I: Performance Evaluation Performance Evaluation: Key Measures The service continues to generate high levels of continued satisfaction amongst callers Overall satisfaction remains at the same level as 2006 (95% satisfied) Callers in Scotland appear less content than callers in England and Wales, albeit satisfaction levels in Scotland are increasing after a slight dip in 2006 Overall, how satisfied with service you received from National Debtline? Very satisfied Fairly satisfied Neither/ nor Fairly dissatisfied 78 Very dissatisfied 17 3 11 Base: all (300) % very satisfied Total Scotland 2008 78 72 2006 79 66 2005 79 76 2004 74 69 Base: Scotland (50) 15 % Reasons for satisfaction (I) I was impressed with the level of professionalism, comprehensive knowledge and response They went extra mile for me… they were very informative and sent everything out that they said they would do They are readily available to call without an appointment I felt that they knew what they were talking about and that it was objective They gave me the information that I needed; they were very helpful, very pleasant and understanding Whenever I phone they are very understanding. They don't try to hurry you; they give you all the time in the world, are very professional and very effective I phoned them up in distress; they were able to calm me down, listen to me and then explain the procedure. Sometimes I got lost and they very carefully explained it again…they held my hand all the way They were very understanding, gave a personal touch and didn't make you feel awkward or uncomfortable; they were all very polite and listened very well They spoke to me in a language that I understood They were very friendly, non judgmental and they put me at ease 16 Reasons for satisfaction (II) It is nice to be able to speak to people who are very neutral They made me feel equipped to deal with the people who were taking financial advantage They were there every step of the way, I only needed to phone them in order to calm me down National Debtline put everything into perspective for me You are not treated just as a number - you are treated with a bit of respect They were polite, helpful and not judgmental; providing great advice, and being really understanding…They were wonderful and supportive They put me on the right track and enabled me to organise things properly…things are now controllable whereas before they weren’t It was like speaking to a friend 17 Excellent advice and step by step procedures Reasons for dissatisfaction They explained everything fairly clearly and gave me ideas on what to do but didn't answer all of my questions The leaflets they promised they would send never arrived I suppose they didn't really tell me anything that I wasn't aware of They were pretty good when I spoke to them on the phone but they did not follow up too well Although they sent out a very useful information pack, I could have done with a bit more follow up from them I think I was expecting a little bit more - personal advice rather than the basics The adviser was quite patronising - he spoke to me as if he thought I was a bit of an idiot because I was in debt When I wanted to get in touch with them I could never get a reply at the end of the phone, it was an answering machine 18 NDL is often praised for helping manage debt Majority of respondents find service of considerable assistance, which translates into high recommendation Thinking about all the information and advice you received specifically from National Debtline, how helpful was it to you in dealing with your debt problem at the time? Extremely helpful Extremely helpful Fairly helpful Not very helpful 75 Not at all helpful 20 3 1 % Base: all: 300 Total Scotland 2008 75 78 2006 75 66 2005 79 76 2004 77 69 If someone you knew found themselves in difficulty with debt, how likely would you be to recommend National Debtline as a source of advice? Definitely recommend Probably Probably not 13 85 Base: all: 300 19 Definitely recommend Definitely not recommend 11 % Total Scotland 2008 85 80 2006 89 82 2005 89 86 2004 87 81 Why recommend NDL? (I) People on the phone are very sympathetic, they don't patronise you in any way They gave a few options…an informed choice, they didn't make decisions for you You realise you're not the only fish in the sea, you find out there are a lot of people in the same situation The information I've received and the confidence they've given me to get my dignity back The advice is good and helpful, it is a whole weight off your shoulders Both the people I spoke to were non judgmental and that's very important It is a very good starting point because they help to clarify things that may be bothering you unnecessarily. They have a better understanding of all these things because they do it on a day to day basis National Debtline explained my problems to me in simple language and made it simpler for me to understand where I was going. I phoned them as a last resort; it should have been my first resort Overall it's an exceptional service…it is an organisation that is helping people in despair 20 Why recommend NDL? (II) When you find yourself in a situation where you owe money, it is better to take positive action…The advice I was given enabled me to do this rather than sitting down worrying and hoping the problem would go away…it won't go away I felt that once I talked to the debt line I was able to go back to my creditors and talk with more authority They take away the worry…and give you a light at the end of the tunnel It was easy to deal with the people at NDL, you feel comfortable talking to them because you feel they are on your side The advice is clear, concise, helpful… knowledgeable and well considered. The advisers are friendly and sensitive and if, at any point, they feel unable to respond to your query they consult a colleague who can help them give the correct information. It makes you feel less alone, it gives you the sense that there is someone who will support you and argue your case …or why would you not recommend them? It was a bit like a financial Samaritans…they help you at every turn In the first instance, I had to make four phone calls to actually get through to them. When I spoke to them about the situation, they seemed to feel that I could manage it myself by sending me through an information pack which I didn't really want 21 NDL contact encourages repayment of debt National Debtline continues to successfully assist callers to take direct action After contact with National Debtline, 53% of callers took action to repay their debts and have successfully kept to these arrangements Did you yourself contact any of the companies you owed money to after receiving advice from National Debtline? YES: 70% Base: all (300) And as a result of this, did you come to any agreement or make any new arrangements with the companies you owed money to using the advice provided by National Debtline? YES: 76% Base: all who contacted companies (209) And have you managed to keep to the arrangement which you agreed to? YES: 91% Base: all who contacted companies and came to agreement: 158 22 Not contacted companies owed YES Total Scotland 2008 70 68 2006 72 60 2005 68 52 2004 63 56 Not come to arrangement YES Total Scotland 2008 76 62 2006 71 70 2005 68 62 2004 81 70 At time, any apply… % On DMP 17 Already declared bankrupt 1 Had IVA with companies owed money to 13 Contacted companies owed money to 26 Attempt to make any new arrangements with companies owed money to using advice provided by National Debtline: Y es attempted 53% No 47% YES Total Scotland 2008 91 86 2006 84 86 2005 86 100 2004 88 95 NDL advice has a profound impact on future money management Contact had a positive attitudinal effect on managing debt, and empowered callers % Strongly agree Strongly agree I am more knowledgeable about financial matters overall 62 I feel less likely to find myself in a similar situation again I feel more confident about managing my money in general I feel more in control of my life as a result I think it is more likely I will repay my debt Agree 28 68 17 58 26 53 28 56 20 Base: all (weighted): 300 23 Year Total Scotland 2008 62 52 2006 59 60 2005 56 56 2004 58 60 2008 68 68 2006 75 64 2005 64 65 2004 65 75 2008 58 62 2006 60 52 2005 54 54 2004 57 50 2008 53 54 2006 60 46 2005 54 53 2004 56 58 2008 56 48 2006 60 56 2005 56 58 2004 58 67 The importance attached to the contact How would you describe how the service provided by National Debtline has helped you in terms of managing money and debt? It has helped me realise that you can spend too much money too quickly on a credit card…It is so easy to get into debt and a lot harder to get out of it They have been instrumental in everything I have had to deal with; they have helped me tremendously. They have encouraged me to deal with things straight away…however little, just to make sure every payment is made on time It has encouraged us to set a specific budget per month and we're now very strict with keeping to it The budget plan that National Debtline sent to me and I downloaded actually gave me a realistic understanding of my entire financial position It has helped me understand the pitfalls of borrowing on top of loans and how that can put me into huge debt without noticing I feel like I am working for me now and not just working for everyone else to take my money It simplified things and made things easier to understand; the information was very clear 24 Making the first call: Awareness and Experience Most are aware NDL is a debt advisory service; unsurprisingly knowledge somewhat unrefined at first call stage Mixed levels of awareness surrounding what the service offered: Just over half (59%) of callers knew that National Debtline offered advice on handling debts 39% of callers knew nothing about what the service offered when they first called Internet an increasingly important source of awareness How did you first hear about National Debtline? 27 2008 2006 2004 2003 = 27% = 22% = 15% = 11% Other sources include: • Bank/ building society • Radio • Poster/ leaflet • Creditors % 13 13 12 10 9 6 Internet search Citizens Advice Bureau/ other free agency Article in paper/ magazine Friend/ relative 26 TV Yellow pages Other telephone directory Base: all (weighted): 300 NDL is now more accessible; moreover, vast majority of callers were given most of the advice they needed A vast increase in proportion of callers able to reach an adviser first time they called Once they had spoken to an adviser, majority of callers happy with service they received 94% of callers felt that length of their first call was about right 51% given all the advice they needed, with a further 39% given most of the advice they required Thinking about when you first rang National Debtline, how many times did you have to ring before you got through to an adviser? Once Twice Three times 2008 Four times Five times More than five times Don’t know 80 2006 9 53 16 10 7 4 21 4 3 7 3 % % Base: all (300) How many times have you spoken to National Debtline? Once 39 Twice Three times Four times 24 More than 4 times 16 7 14 % Base: all (300) 27 NDL is often the first port of call for debt advice National Debtline often first point of contact for debt advice (for two-thirds, as in 2006) Yes Had you contacted anyone else for debt advice before you spoke to National Debtline ? No 32 % 68 Base: all (300) Who else have you contacted? Citizens Advice Bureau 20 Debt consultancy service 12 CCCS Other free debt advice service 6 Bank Family/ Friends Other As in previous waves, CAB is most common alternative source of debt advice Yes, using 10 0 80 70 % 2 60 % 1 50 40 Other includes: trading standards, solicitor, other websites 1 12 30 20 10 Base: all who had contacted someone else prior: 95 28 0 No 90 90 5 Other fee charging company Payplan Used a fee-charging debt consultancy service, before spoke to NDL? 48 10 First call with NDL rated highly High levels of praise for contact enjoyed with National Debtline Respondents were asked to think back to how they felt after their first call with National Debtline and to rate the service on a number of measures: % Strongly agree % The advisor was easy to talk to You had a sense of confidence in the service You felt you had made a positive step towards managing your debt Year Total Scotland 2008 80 76 2006 83 80 2005 82 76 2004 81 69 2008 72 76 2006 69 64 2005 70 62 2004 67 63 2008 68 70 2006 69 64 2005 69 49 2004 65 56 Agree Strongly agree 15 80 21 72 22 68 Base: all (300) 29 Vast majority proffer strong praise for NDL advisers Service successfully provides strong support to callers, both in terms of emotional assistance and practical support Interpretation and application of advice is likely to be more challenging for some callers Callers in Scotland views largely on a par with callers in England and Wales Callers in Scotland this time more likely to strongly agree than in 2006 that adviser understood their situation, and dealt with problem in a sensitive way No notable shift in views of England and Wales callers against each performance measure % Strongly agree The advisor dealt with your situation in a professional way 84 14 79 16 The advisor dealt with your problem in a sensitive way 79 16 You felt the advisor understood your situation 77 You had a better understanding of how to manage your debt as a result of contacting National Debtline 14 74 65 Base: all (weighted): 300 30 ‘06 ‘05 ‘04 Total 84 85 84 83 Scotland 76 78 84 71 Total 79 82 78 77 Scotland 78 80 76 63 Total 79 80 81 77 Scotland 84 74 80 67 Total 77 76 76 75 Scotland 74 62 70 67 Total 74 76 74 75 Scotland 68 71 70 65 Total 65 61 67 66 Scotland 64 56 62 50 Agree The advisor was knowledgeable The advice provided was clear and easy to understand ‘08 19 24 Base: Callers in Scotland: 50 Service improvements What could National Debtline do to improve the service they offer? I think that some of the advisers are a bit abrupt Get more operatives…it’s getting harder and harder to get in contact with them It’s a pity that they are not better known so that they could help others Sometimes it takes a long time to get hold of them More face to face contact Better advertisement of what they can actually do for you It is important to let people know that it is free, impartial and not for profit A follow up call to see how someone is getting on 31 If they could provide a bit more information for people at the early stages E.g In school Only a minority are currently on a Debt Management Programme. NDL less likely to be involved this time 24% of respondents were on a debt management programme at the time of responding to the survey (no significant difference to 2006) NDL acting as intermediary in set-up by CCCS has halved Set up by CCCS/ Payplan after NDL referral down a third Who was it that set up the debt management arrangement for you? % 30 Another debt management company 31 Set up by CCCS/ Payplan after being referred to them by National Debtline Set up by CCCS without National Debtline acting as intermediary Total Base: on DMP 21 Yes, fee charging 43% No 57% 28 44 18 7 13 Can't remember/ Not sure Payplan without National Debtline acting as intermediary Fee- charging debt management company 10 2008 2006 11 9 Base: all on debt management programme (2006: 75; 2008: 71) 32 Delivering Advice: Literature and Website The quality of the literature is high Vast majority (92%) recall receiving literature after having spoken to NDL Most rate the literature very highly against all assessment criteria Big shift in levels of satisfaction with the literature amongst callers in Scotland – significantly more likely to state very good against each measure Thinking about information which was sent to you, how would you rate it in terms of the following? % Very good The amount of information provided How clearly presented the information was ‘08 ‘06 ‘05 ‘04 Total 75 74 73 75 Scotland 78 67 70 72 Total 72 73 70 68 Scotland 74 65 65 57 Total 70 69 67 72 Scotland 72 57 67 59 Total 69 70 69 68 Scotland 78 63 63 61 Total 68 66 64 65 Scotland 72 61 65 54 Good 75 19 72 22 How useful the information given was in helping you to manage debt 70 How relevant the information provided was to your situation 69 18 How easy it was to understand 68 20 20 Base: all who recall literature sent:275 34 Base: Scotland: 46 Half of callers visited the website - mostly before speaking to NDL, further visits followed from most Growth – albeit less marked this time – in visiting National Debtline website 47% of callers now, compared to 43% and 24% in 2006 and 2004 respectively Majority (71%) of those who have visited, visit again (22% five or more times) Multiple motivations/ usage of website – finding out about service offered by NDL, search for debt information/ advice, and find NDL telephone number most frequently cited % 74 Finding out more about the service National Debtline offers 73 Searching for information and advice about debt 72 Finding the telephone number for National Debtline 49 Using the personal budget sheet Accessing the factsheets 48 46 Viewing/ downloading sample letters 37 Downloading information packs 19 Requesting documents to be posted to you Emailing National Debtline for advice 6 Base: all who have visited NDL website: 140 (NB: Prompted response) 35 Did you visit the website… Before calling NDL: 69% After calling NDL: 20% Before and after: 10% The website is rated even better than before, particularly amongst callers in Scotland Website even more likely to be viewed as clear and effective – most state “very good” Major positive attitudinal shift amongst callers in Scotland about website How would you rate the website in terms of the following? The amount of information provided 24 65 How useful the information was in helping you to manage your debt 59 How clearly presented the information was 59 How easy it was to understand ‘08 ‘06 Total 65 61 Scotland 70 45 Total 59 55 Scotland 57 38 Total 59 53 Scotland 57 41 Total 62 53 Scotland 70 34 Good Very good 28 34 29 62 % Base: all who have visited website: 140 36 Base: all callers in Scotland who have visited website: 29 in 2006 and 23 in 2008 (base too small in previous waves) Part II: Website Evaluation Search engines remain the dominant means by which the National Debtline website address is found Half find the website by searching though an internet search engine, with a further 1 in 7 via the Citizens Advice Bureau. No significant change between 2006 and 2008 How did you find the National Debtline website address? 47% 50% 2006 2008 Other sources mentioned: Yellow pages Credit reference agencies Moneysavingexpert.com Through work/ job 11% 13% 11% 13% 6% 6% Internet search Citizens Advice Bureau engine Another website Friend/ relative 4% 4% TV/ media Base: all who completed on-line survey (475 in 2006, 450 in 2008) 38 2% 2% Article in paper/ magazine 2% 3% 1% 2% Financial advisor/ bank People I owe money to 3% 3% Something else A significant proportion experienced problems finding the National Debtline website Q. Some people have stated that they had problems finding the official National Debtline website and tried other websites with similar names or website addresses first, did you experience this problem? Yes, experienced such problems No, didn't experience such problems 23% 77% Base: All respondents who found the website via Internet search engine (220) Q. Experiences and details of other websites tried first? Other sites charge/ aren't free 39% Other websites come up first/ at the top of the list Others with similar name Confused Other 31% 18% 10% 18% 39 Base: All respondents who found the website via Internet search engine and had difficulty finding it (51) Website visits are mostly for finance/ debt advice Most visit website to look for help and advice on the financial/ debt problems they are experiencing; one in five visit specifically to access the letter templates Financial/ debt problems 48% For the letter templates Research/ information 12% To help a friend/ family member/ client For a budget plan/ sheet I've just had a threatening phone call and need some advice urgently 20% 8% I need further help in writing letters and the info on the website is really really good and helpful 4% Looking for/ downloading 2% factsheets Info about CCJs 1% Other I’m reaching the end of my tether with debt and have finally decided to take the bull by the horns and do something about it! 8% Base: all who completed on-line survey (450) 40 The proportion of callers who had previously contacted National Debtline increased - both by phone and visiting the website 47% 64% No Intend to Yes 50% 71% 16% 50% 21% 37% 29% 14% 2006 Base: all who completed on-line survey (475 in 2006, 450 in 2008) 2008 Have you spoken to National Debtline advisers by phone? 41 2006 2008 Have you visited the National Debtline website before? Though numbers of callers contacting other advice sources is largely consistent, those who do so are contacting a wider range of sources than before Q. Have you contacted anyone else for advice on managing money and debt? 2006 Yes 31% 2008 Yes No 34% 69% 66% Who else have you contacted ? Who else have you contacted ? Citizens Advice Bureau 36% Citizens Advice Bureau Debt consultancy service 36% Debt consultancy service 19% Friends/ family 11% Payplan Accountant 16% 25% Bank 12% Payplan 13% Accountant 3% 3% Solicitor1% Solicitor 5% Lawyer1% Lawyer1% Local council1% Other 42% CCCS 14% Bank 48% Friends/ family 16% CCCS No Local council 11% Other 4% 7% Base: all who contacted someone else for advice (146 in 2006, 154 in 2008) 42 The website is being used for a broader range of purposes than before Have used Searching for information and advice about debt Finding out more about the service National Debtline offers Viewing/ downloading sample letters Downloading self help information pack Accessing the factsheets 38% 2006 2008 2006 28% 30% 29% 28% 43% 43% 24% 34% 39% 45% 2008 2006 28% 50% 2008 2006 50% 59% 2008 2006 Intend to use 27% 2008 28% 35% 45% 26% Base: all who completed on-line survey (475 in 2006, 450 in 2008) 43 The proportion who have used the website for a variety of purposes has markedly increased since 2006. And there are still more who intend to use each service Number of uses to which website is put to is growing Further evidence of website serving plethora of needs Have used Using the personal budget sheet 2006 Finding the telephone number for National Debtline Requesting documents to be posted to you 33% 36% 6% 2008 2008 29% 21% 2008 2006 Emailing National Debtline for advice 38% 39% 2006 2006 Intend to use 23% 2008 Base: all who completed on-line survey (475 in 2006, 450 in 2008) 32% 25% 18% 7% 26% 29% 10% 33% Yes Did you find what you were looking for? 84% No 16% Base: all who completed on-line survey (450) 44 The website is consistently rated even more highly than in 2006 (across all measures) Already positive in 2006, perceptions of every area of the website have improved in the last two years How do you rate the website in terms of: Easy to understand information Amount of information General content Presentation of information Ease of use Good 2008 38% 2006 42% 2008 40% 2006 40% 2008 40% 2006 42% 2008 38% 2006 Design 42% 29% 40% 29% 39% 28% 36% 44% 2008 38% 2006 Ease of finding information Excellent 43% 2008 37% 2006 2008 41% 2006 41% 44% Base: all who completed on-line survey (475 in 2006, 450 in 2008) 45 26% 36% 26% 36% 24% 26% 21% Additional user comments Feedback regarding site is mainly positive, with some small criticisms An excellent source of reliable information Your interactive personal budget sheet is a marvel I think your service should be in receipt of some sort of recognition for the support and help you are clearly providing. Thank you thank you thank you thank you!!! Fantastic service that has helped me more than once! Much needed and useful resource for both the general public looking for information and advice and for advisers to use as a resource tool Extremely helpful & knowledgeable. Thank you I’d like the budget sheet to be downloadable in Excel so it can be altered/ managed. I had to print out a few before I got it about right It should have a discussion forum so we can all help each other more 46 I think that your fact sheets are the best that are available Make it easier to find from an internet search engine I have emailed National Debtline several weeks ago now, and have not received any response - this is very disappointing given the quality of service in terms of advice available on the web pages There has been a clear increase since 2006 in the number of callers who state that they intend to contact their creditors following advice Sizeable growth in number planning to contact creditors. Similar proportion now versus 2006 intend to complete a budget form or contact National Debtline next What is the next step you are going to take in terms of managing your money and debt? 2006 48% 36% 36% 35% 2008 35% 25% 18% 12% 14% 9% 8% 4% Contact your creditors Complete a budget form Visit another Telephone National Debtline money and debt advice website Base: all who completed on-line survey (475 in 2006, 450 in 2008) Consult bank/ lawyer/ other professional service 11% 13% 2% Telephone another money and debt advice service Email National Debtline*1 Something else *1 Addition to 2008 questionnaire (NB: Prompted responses) 47 Part III: Longitudinal Impact Evaluation Longitudinal Impact Evaluation: Key Measures Impact of NDL service is deep and long-lasting Extremely helpful Positive impact of contact with National Debtline has lasting effect, and does not appear to weaken over time 2 years on 4 years on Over three quarters rated advice/ information first received as extremely helpful in dealing with their debt at that time Very satisfied 2 years on 5 years on 77% 80% 77% 21% 98% 15% 95% 19% 96% Fairly satisfied 72% 4 years on 5 years on Fairly helpful 85% 68% 94% 22% 92% 7% And satisfaction with all elements of service remains broad over time Intensity of satisfaction marginally higher amongst first contacted 4 years back 97% 29% Definitely recommend And virtually all would recommend National Debtline to someone they knew in difficulty with debt 2 years on 4 years on Again deep felt and lasting 5 years on Probably recommend 89% 85% 97% 9% 98% 97% 12% 3% 100% Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) 50 Debt is being successfully managed over time Previous callers appear to be successfully reducing their debts over time Proportion of respondents who currently have outstanding debt 81% 73% 68% Of those who have outstanding debt, the majority (76%) are dealing solely with the same debt as before. Those with new debt were much more likely to be those who first called five years ago 2 years on 4 years on 5 years on Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) 51 After initial contact with NDL, most agree – and then maintain – arrangements with creditors Initial contact appears to help prompt action towards reducing debt Over time respondents are able to maintain these arrangements A small pocket of ‘5yrs on’ clients required recent new arrangements Action taken after initial NDL contact: Contacted companies to whom money was owed? Came to an agreement/ made new arrangement using NDL advice? Attempt to make any new arrangements using NDL advice? Two years on: 70% Two years on: 81% 35% Four years on: 78% Four years on: 81% Five years on: 61% Five years on: 89% Base: all not come to arrangement (20) Base: all came to agreement 2 yrs (63), 4 yrs (32) and 5 yrs (19) Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) Kept to the agreed arrangement? Two years on: 90% Four years on: 92% Five years on: 94% How long have you had this arrangement? How long have you had this arrangement? How long have you had this arrangement? Less than 6 months: 6% Less than 6 months: 5% Less than 6 months: 25% 6-12 months: 24% 6-12 months: 5% 6-12 months: 19% Longer than 1 year: 48% Longer than 1 year: 35% Longer than 1 year: 6% Longer than 2 years: 22% Longer than 2 years: 55% Longer than 2 years: 50% Base: all who came to an arrangement with creditors and kept to it: Two years on (46), four years on (20) and 5 years on (16) 52 Of those callers who didn’t contact companies to whom they owed money after NDL advice, most had already contacted them or had existing arrangements in place Situation when received advice… 24% had not contacted companies owed money to after receiving advice At time, any apply… % Base: (48) I had already contacted companies owed money to 27 On DMP 25 Had IVA with companies owed money to 15 Already declared bankrupt 6 None of above applied 19 Other help 8 53 NDL advice helped the vast majority to manage money and debt on an ongoing basis – and change their life How helpful has the information and advice from National Debtline been in helping you deal with money and debt on an ONGOING BASIS? Extremely helpful Fairly helpful 2 years on 66% 4 years on 65% 5 years on Not very helpful Not all helpful 26% 6% 2% 33% 73% 17% 2% 10% Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) How has National Debtline affected you in the widest sense ? Four years on: 7.4 Five years on: 6.9 No impact on you whatsoever 5 1 54 % scoring 7+ (major impact): • 2 yrs on – 71% • 4 yrs on – 78% • 5 yrs on – 61% Two years on: 7.5 Fundamentally changed your life 10 Practical long-term benefits NDL advice is valuable in dealing with the immediate problem - and its impact remains valuable over time 2 years ago Total agree Strongly agree 4 years ago 5 years ago 76% Contacting NDL was a positive step towards managing your debt 80% 68% 70% Took action on managing debt as a direct result of contact with NDL 71% 68% You have a better understanding of how to manage your debt as a result of contacting NDL 55% 90% 92% 87% 88% 86% 78% 63% 84% 63% 80% 78% Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) 56 Similarly, contacting NDL is often felt to engender self-sufficiency in financial matters Callers from 5+ years ago are less likely to strongly “feel more in control of (their) life” or “more confident about managing (their) money”; especially if acquired new debt since the call 2 years ago 4 years ago I feel less likely to find myself in a similar situation 5 years ago Total agree % Strongly agree 70% 76% 56% 61% I feel more in control of my life as a result 63% 61% 80% 90% 78% 77% 42% I am more knowledgeable about financial matters overall 61% 88% 61% 85% 58% I feel more confident about managing my money in general 60% 61% 48% 57 90% 81% 89% 81% 80% Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) How has the service helped? It has turned my life around. The whole situation terrified me and I didn't believe that there was a way out…I can now handle my finances It alerted me to or rather clarified what my options were. I was not aware of the concept of prioritising, paying off one kind of debt over another They've helped me considerably by talking me through it, both managing it and coping with it NDL helped me to look at what money was coming in and what was going out and now I seem to be managing it better…I have cut all my credit cards up It taught me a very valuable lesson in life; my attitude to money is now very different and I would never ever be in debt again It made me unbury my head from the sand and made me face my commitments It has enabled me to move on with my life It certainly took the pressure off me - it feels like a bit of a victory Extremely helpful because everything was put into black and white and I could choose which option to go for 58 It has made me realise how silly I've been in the past handling money and finances - I won't be getting into debt again Wider impact of contact NDL advice has a positive impact on most aspects of well-being 2 years ago 4 years ago 5 years ago % Positive impact 89 9 2 90% 90 10 - 90% 90 6 3 87 12 1 93 7 - 94 6 - 76 23 1 88 12 - 81 19 - 69 29 2 83 15 2 81 19 - 64 34 1 76 24 - 74 26 - 44 54 - 56 41 2 48 52 - 89% Emotional or mental state 87% Overall well being 93% 94% 76% Overall personal confidence 88% 81% 69% Quality of family relationships 83% 81% 64% Physical health 76% 74% Work and employment 44% 56% 48% No Negative difference Positive 36% had visited Doctor because of stress caused by being in debt 23% had time off work as a result of stress 60 No notable variation by longevity Literature Literature is highly valued; over time, recall, engagement and value are exceptionally high High proportion of respondents keeping original literature confirms its value among National Debtline callers, even over time Over 92% of callers recalled receiving literature after their first contact with National Debtline What did you do with the information you received? Read it and acted on it Not read it but kept for future reference Read it and threw it away Throw it away without reading 84% of callers from 4 and 5 years ago reported that they read and acted on the information, reinforcing its long-term value 83% 9% 7% 1% Base: All recall received postal information (149) 38% have looked at this information since they first received and stored it (36% amongst 5 years on) – further evidence of its longevity 62 Summary and Conclusions Conclusions: service is consistently strong; callers are satisfied; debt is being reduced over time High levels of satisfaction continue, over the long and short terms 78% ‘very satisfied’ with overall service in 2008 85% of 2008 callers ‘would definitely recommend’ service The majority of callers take some form of positive direct action after speaking to National Debtline 53% of callers in 2008 took action to repay debts and have successfully kept to arrangements Respondents report feeling empowered to deal with financial matters following contact with NDL 90% of 2008 callers felt more knowledgeable about financial matters 85% of 2008 callers felt less likely to find themselves in a similar situation again Major positive shifts include: Higher website rating - more effective, clearer and easier to use with services used more fully Callers in Scotland are now more satisfied – largely on a par with England & Wales re. adviser, literature and website experiences Improved ability to reach an adviser first time Areas for consideration New debt levels seen amongst those who first called five years ago – this group appears less confident and less in control 64 Performance Evaluation: Appendix Information Only a minority contacted other advice sources – CAB and CCCS mostly Only a minority sought additional advice once they had contacted National Debtline Of those who did, Citizens Advice was again the most likely alternative Yes Had you spoken to anyone else for advice on managing money or debt since your calls to National Debtline? No % 26 74 Base: all: 300 Who else have you contacted? 31 Citizens Advice Bureau 24 CCCS 13 Payplan 8 Debt consultancy service % 6 Other free debt advice service 5 Fee-charging debt service Local council 4 Bank 4 Finance company 3 Family / Friends 3 Solicitor 3 Base: all respondents who had contacted someone else: 82 66 Email option not ‘top of mind’ Were you aware that you could contact NDL for advice by email? Yes No Not sure / don't know 48 48 4 % Did or would you consider emailing NDL for advice rather than contacting them by phone? Yes - did consider 10 Yes - would consider No - did / would not consider 33 57 % Why wouldn’t you consider emailing National Debtline? Prefer to speak to somebody: 58% Telephone more personal: 35% Find it difficult to express self/ problems in writing: 8% Quicker/ more immediate response by phone: 8% Base: all who visited NDL website and not contacted NDL by email (weighted): 113 67 Only a small proportion had visited website and emailed NDL When did National Debtline reply to your email? Of 8 who visited NDL website and emailed NDL 5 stated within 24 hrs 2 stated within 2 or 3 days 1 can’t remember How did they reply: 3 stated via email 3 stated via telephone Base: all who visited website and contacted NDL by email (8) !!Small base!! How would you rate the email service in terms of… Very satisfied Fairly satisfied Neither/ nor Fairly dissatisfied Very dissatisfied [All received reply by email] The quality of information/ advice offered 1 1 1 - - The way they responded to your email 5 2 - - - The speed of response to your email 6 1 - - - (Number of respondents) 68 Additional comments I think it’s great that there is someone who is non judgmental and supportive to talk to in a crisis It is an important service and I hope it continues the good work It is a fantastic service and it has changed my life I think it is invaluable especially for people who are on low income who cannot afford to pay for advice I did not know about them until I saw them on the internet. They need to make themselves more visible I wish I had have known about this service before Being from Scotland, I am sometimes unsure if advice is totally correct as the English and Scottish systems are different 69 Type of debt: credit card and loans most prevalent Which types of debt did you have when you first contacted National Debtline? 63 36 % 10 Credit card Personal loan Mortgage arrears/ secured loans 9 Overdraft 9 Catalogue debts/ bills 7 Utility bills Base: England and Wales: 250, Scotland: 50 70 6 6 5 Other unsecured loans Store card Council tax Amount of debt: average was £23,024 What was approximately the total amount of debt you held at the point when you contacted National Debtline? Mean debt* 17 12 12 Total £23,024 Eng & Wales £23,444 Scotland £20,907 On DMP £32,051 Not on DMP £20,257 * Ex undisclosed/ unsure 9 % 8 8 7 6 5 5 4 2 Under £2,499 £2,500£4,999 £5,000£9,999 £10,000£19,999 £20,00£25,000 £25,000£30,000 £30,000£40,000 £40,000£50,000 £50,000£60,000 Base: England and Wales: 250, Scotland: 50 71 2 £60,000£80,000 £80,000£100,000 2 £100,000+ Not disclose Not sure Demographics – performance evaluation Male Gender Female 41 Age 18-24 2 Ethnicity 21 % 59 25-34 35-44 45-54 36 55-64 65-74 24 75+ 15 2 % White (British, Irish or other) Mixed (e.g. White & Black Caribbean orWhite & Asian) Asian or Asian British Black or Black British 94 12 2 Base: all (300) 72 % Demographics – performance evaluation Employment Status Working full time Working part time Unemployed 47 Responsible for household 19 11 9 Retired 6 Other Predominantly unable to work due to ill health/ disability % 7 Marital Status Married / cohabiting Divorced / separated 55 Single Widowed 15 26 3 % Dependant children living at home One 21 Two Three 22 More than three 8 4 Base: all (weighted): 73 300 No children at home 45 % Gross household income: average was £22,495 Mean income* 12 11 Total £22,495 Eng & Wales £22,539 Scotland £22,227 On DMP £23,176 Not on DMP £22,263 8 * Ex undisclosed/ unsure % 5 5 4 4 4 3 <£9,499 £9,500£11,449 £11,500£13,449 5 £13,500£15,499 £15,500£17,499 3 £17,500£24,999 £25,000£29,999 Base: all (300) 74 £30,000£34,999 £35,000£39,999 £40,000£49,999 >£50,000 Nb 36% did not disclose Website Evaluation: Appendix Information Reasons for using the website Often, users come to the website seeking specific information: I need help with a sample letter I’d like to find some information on IVAs I have currently got several thousand pounds worth of debt and don't know where to start clearing it.... To re-enforce information contained in National Debtline's booklet To add a shortcut to my desktop A number of other users were browsing the site on behalf of other people or for general research purposes: I work in a CAB and know that your fact sheets are excellent. I wanted to give one to a client Work related research - trying to find info on bankruptcy Research for a college project Primarily for help for a friend, who has already consulted CCCS My daughter is being chased by debt collectors for a debt she does not owe I work for a social landlord and need to see what help can be offered to tenants in debt 76 Feedback on the website Those who have used the website generally find what they are looking for and are impressed with the information available. Others would prefer to speak to someone as they feel this is a quicker and easier process Clear understandable layout, detailed site map, not using long words - putting the content into layman terms There's nothing they could do to improve it, it’s a fantastic service I don't see the point e-mailing when you're dealing with something as complex as debt because the only thing you could email is 'help somebody get in contact with me' To a certain extent, you don't know the right questions to ask; it's a learning process, out of expediency it's better to have somebody to talk to I prefer talking to somebody who can sort it out quickly 77 Awareness of National Debtline: Internet search and Citizens Advice most frequently cited sources How did you first hear about National Debtline? 2006 2008 34% 32% Other sources mentioned: Previous knowledge Yellow pages Credit reference agencies Moneysavingexpert.com Through work/ job 20% 16% 15% 11% 12% 9% 10% 9% 3% Internet search Citizens Advice Another website TV/ media Friend/ relative 5% 4% 2% Article in paper/ magazine Base: all who completed on-line survey (475 in 2006, 450 in 2008) 78 2% Financial adviser/ bank 1% 1% Yellow pages 1% Credit reference agency 1% 2% People I owe money to 1% 2% Leaflet Something else Demographics – website survey Male 2008 Female 35% 65% Gender 2006 38% 18-24 2008 5% 25-34 24% 62% 35-44 45-54 38% 55-64 21% 65-74 10%2% Age 2006 8% 30% 39% 19% 4% Base: all who completed on-line survey (475 in 2006, 450 in 2008) 79 Demographics – website survey 90 Ethnicity 80 White (British, Irish or other) Asian or Asian British East Black or West Black British North Mixed (e.g. White and Black Caribbean or White and Asian) 70 60 50 40 30 20 10 0 2008 2006 1st Qtr 2nd Qtr 3rd Qtr 4th Qtr 90% 92% 3% 2% 2% 4%2% 1% Base: all who completed on-line survey (475 in 2006, 450 in 2008) 80 Demographics – website survey Marital status Married/ cohabiting Single Divorced/ separated Widowed 2008 56% 24% 14% 2% 2006 56% 25% 13% 1% Employment status Working full time Retired 2008 2006 Working part time Self-employed 48% Responsible for household Other 14% 60% 6% 14% 11% 4% 9% 9% Unemployed 5% 6% 1% 6% Base: all who completed on-line survey (475 in 2006, 450 in 2008). Refused not shown 81 Longitudinal Evaluation: Appendix Information A quarter had experienced further money and debt difficulties 4 plus years on Since last call to NDL, encountered any further difficulties with managing money and debt… Contacted anyone else for advice: Yes, further difficulties 5 years on 4 years on 2 years on 4 respondents 23% 4 respondents 24% 6 respondents 13% Base: All 2 years on (90), All 4 years on (41 ), All 5 years on (31) Who else contacted? Base: all 2 yrs (12), 4 yrs (10), 5 yrs (7) 2 years on callers 4 years on callers 5 years on callers (number of callers) (number of callers) (number of callers) Citizens Advice 2 0 1 CCCS 1 0 0 Family/ friends 1 0 0 Other free debt advice 1 2 0 Other 3 2 3 Base: All who contacted somebody else for advice - 2 years on (6), All 4 years on (4), All 5 years on (4) 83 Contacting creditors was most likely action taken following advice from NDL. DMP/ pay plan more prevalent amongst “2 yrs” What actions have you taken as a result of the advice provided by National Debtline? 30 Contact creditors Draw up a budget 10 Debt management plan/pay plan 5 Consult CCCS Reduced debt 2 yrs on 4 yrs on 5 yrs on 6 3 3 6 5 2 Took out an IVA 13 6 5 Got financial situation under control 7 7 7 2 Consult Payplan Got advice/information 16 3 Consult CAB 7 3 1 7 3 3 5 14 6 6 Declared myself bankrupt 12 34 35 6 84 If in similar debt situation, half state would contact creditors and a quarter would call NDL (unprompted) 52 44 Contact creditors Imagine you had a similar debt problem to the one you originally contacted National Debtline about. What specific steps would you take to help yourself out of the situation? 55 21 41 Call National Debtline 23 % 13 Draw up a budget 2 years on 7 10 4 years on 16 Wouldn't get into that situation again 10 16 85 5 years on Base: All 2 years on (90) All 4 years on (41) All 5 years on (31) Service improvements Actually getting through to them in the first place is the main downfall I think it should be advertised even more…I had to go looking for it If anything, NDL could improve by just shouting a bit louder (about what it does) Just have more phone lines The documents they send could be a bit more concise When they send out the information it should be more specific to my needs rather than just a blanket booklet Give some example of responses from creditors who have received letters which have been sent out as instructed by National Debt Line Face to face contact to be available A call back in the future to see how people are getting on 86 More user interactions with the service, an online forum for example Range of bodies set up DMP arrangements If on a debt management programme, who was it that set up this arrangement for you? Set up by CSSS/ payplan after being referred to them by National Debtline 36 Another debt management company 23 CSSS without National Debtline acting as intermediary 23 Payplan without National Debtline acting as intermediary Not sure/ Can't remember Total 11 8 Base: All on debt management programme – all years (53) 87 Demographics – Longitudinal evaluation Age 2 years on callers 4 years on callers 5 years on callers 1 12 30 15 36 13 44 8 29 10 2 % 10 35 18-24 25-34 42 35-44 45-54 10 55-64 3 Base: All 2 years on (90) All 4 years on (41) All 5 years on (31) 65+ General population age breakdown General population 13 13 15-24 15 25-34 35-44 13 45-54 Source: ONS (% under 15 not shown) 88 12 55--64 16 65+ % Demographics – Longitudinal evaluation Employment Status 42 2 years on 4 years on 46 5 years on 45 Working full time 16 4 11 9 29 19 Working part time Responsible for household 10 6 Retired 14 6 Unemployed 2 5 6 7 4 years on 5 years on % 16 Unable to work Self employed Refused not shown Marital Status 2 years on 2 63 22 61 12 15 71 Married/ cohabiting 22 16 Single 89 Divorced/ separated 2 2 6 Widowed % 6 Base: All 2 years on (90) All 4 years on (41) All 5 years on (31) Gross household income – Longitudinal evaluation Base: All 2 years on (90) All 4 years on (41) All 5 years on (31) Mean income* Total £21,319 2 years on £20,699 4 years on £22,922 5 years on 2 years on 23 £21,120 22 4 years on 5 years on 24 23 21 20 * Ex undisclosed/ unsure 17 12 12 10 % 10 12 12 13 12 10 13 10 7 7 4 2 <£9,500 £9,500-£13,499 £13,500£17,499 £17,500£24,499 £25,000£34,999 90 £35,000£49,999 3 £50,000+ Undisclosed Total current debt – Longitudinal evaluation Mean debt* Total £23,109 2 years on £26,355 4 years on £19,580 5 years on £17,267 2 years on 4 years on Base: all with outstanding debt 2 years on (73) 4 years on (30) 5 years on (21) 5 years on 43 Refused not shown * Ex undisclosed/ unsure 34 33 27 29 23 19 11 19 % 19 13 10 Under £2,500 £2,500-£9,999 £10,000-£24,999 91 £25,000+ Type of debt (unprompted) – Longitudinal evaluation Which types of debt do you currently have? Base: all with outstanding debt 2 years on (73) 4 years on (30) 5 years on (21) 71 67 63 2 years on 40 4 years on 5 years on 42 29 17 14 10 14 13 12 11 5 Credit card Personal loan Other unsecured loans Mortgage arreas/secured loans 14 13 14 8 7 5 Store card Overdraft 92 3 Catalogue debts 5 3 Hire purchase 3 1 Rent arrears 3 1 Utility bills