Articles and book publications/working papers and reports

Appleyard, L. and Rowlingson, K. (2010) Home Ownership and the Distribution of Personal Wealth: A Review of the Evidence, Housing Market Taskforce, Joseph Rowntree Foundation, www.jrf.org.uk/publications/home-ownership-distribution-personal-wealth [accessed 05.04.2011].

Appleyard, L. and Rowlingson, K. (forthcoming), ‘Housing and economic inequality’, in D. Sim and I. Anderson (eds.), Housing and Social Inequality, CIH/HAS.

Citizens Advice Bureaux (2009) Financial Skills for Life Building Financially Capable Communities, London: CAB.

Credit Action (2010) ‘Debt facts and figures’, compiled December 2010, www.creditaction.org.uk/assets/PDF/statistics/2010/december-2010.pdf?utm_campaign=stats-mailings&utm_source=december [accessed 08.01.2011].

Disney, R., Gathergood, J. and Henley, A. (2010) ‘House price shocks, negative equity, and household consumption in the United Kingdom’, Journal of the European Economic Association, 8, 6, 1179−207.

Doling, J. and Ronald, R. (2010) ‘Home ownership and asset-based welfare’, Journal of Housing and Built Environment 25, 2, 165−73.

Department of Trade and Industry (DTI) (2006) Tackling Over-Indeptedness, Annual Report, London: DTI.

Financial Inclusion Taskforce (2010) Banking Services and Poorer Households, London: HM Treasury.

Financial Inclusion Taskforce (2011) Key Learning from the Financial Inclusion Growth Fund, London: HM Treasury, www.hm-treasury.gov.uk/d/fitf_research_growth_fund_key_learning.pdf [accessed 27.04.2011].

Ford, J., Bretherton, J., Jones, A. and Rhodes, D. (2010) Giving up Homeownership: A Qualitative Study of Voluntary Possession and Selling because of Financial Difficulties, London: Communities and Local Government, www.york.ac.uk/inst/chp/publications/PDF/VPN08-10.pdf [accessed 01.04.2011].

French, S. Leyshon, A. and Thrift, N. (2009) ‘A very geographical crisis: the making and breaking of the 2007–2008 financial crisis’, Cambridge Journal of Regions, Economy and Society, 2, 2, 287−302.

Goode, J. (2010) ‘The role of gender dynamics in decisions on credit and debt in low income families’, Critical Social Policy, 30, 1, 99−119.

Hills, J. (2010) An Anatomy of Economic Inequality in the UK, London: Government Equalities Office, www.equalities.gov.uk/pdf/NEP%20Report%20bookmarked.pdf [accessed 01.04.2011].

Insley, J. (2011) ‘Debt advice funding axed by government’, The Guardian, 1 February 2011, www.guardian.co.uk/money/2011/feb/01/debt-advice-funding-axed?INTCMP=SRCH [accessed 05.04.2011].

Langley, P. (2008) The Everyday Life of Global Finance: Saving and Borrowing in Anglo-America, Oxford: Oxford University Press.

Leyshon, A. (2009) ‘Financial exclusion’, in R. Kitchin and N. Thrift (eds.), International Encyclopedia of Human Geography, 4, 153−8.

Long, R. and Wilson, W. (2011) Mortgage Arrears and Repossessions, Social Policy Section, London: House of Commons Library, www.parliament.uk/briefingpapers/commons/lib/research/briefings/snsp-04769.pdf [accessed 27.04.2011].

Malpass, P. (2008) ‘Housing and the new welfare state: wobbly pillar or cornerstone?’, Housing Studies, 23, 1, 1–19.

McKay, S. and Collard, S. (2006) ‘Debt and financial exclusion’, in C. Pantazis, D. Gordon and R. Levitas (eds.), Poverty and Social Exclusion in Britain, Bristol: The Policy Press.

Mullineux, A. (2010) ‘Financial innovation and social welfare’, Journal of Financial Regulation and Compliance, 18, 3, 243−56.

New Policy Institute (2007) A Snapshot of Financial Inclusion Policy and Practice in the UK 2007, London: Friends Provident Foundation.

NHPAU (2010) Modelling and Forecasting UK Mortgage Arrears and Possession Report, London: Communities and Local Government.

ONS (2009) Living in Britain: General Household Survey Results for 2007, London: ONS.

Orton, M. (2009) ‘Understanding the exercise of agency within structural inequality: the case of personal debt’, Social Policy and Society, 8, 4, 487−98.

Orton, M. and Rowlingson, K. (2007) ‘A problem of riches: towards a new social policy research agenda on the distribution of economic resources’, Journal of Social Policy, 36, 1, 59−77.

Overton, L. (2010) Housing and Finance in Later Life: A Study of UK Equity Release Customers, London: Age UK, www.ageuk.org.uk/Documents/EN-GB/Housing%20and%20Finance%20in%20Later%20Life%20-%20Age%20UK.pdf?dtrk=true [accessed 11.03.2011].

Prabhakar, R. (2009) The assets agenda and social policy’, Social Policy and Administration, 43, 1, 54−69.

Quilgars, D., Jones, A. and Abbott, D. (2008) ‘Does difference make a difference in financial planning for risk?’, Social Policy and Administration, 42, 6, 576−92.

Rowlingson, K. and McKay, S. (2008) ‘Debt and savings’, in J. Strelitz. and R. Lister (eds.), Why Money Matters, London: Save the Children.

Smith, S., Searle, B. and Cook, N. (2008) ‘Rethinking the risks of home ownership’, Journal of Social Policy, 38, 1, 83−102.

Stratton, A. (2011) ‘£27m fund will replace axed debt advice services, says Vince Cable’, The Guardian, 12 February 2011, www.guardian.co.uk/money/2011/feb/12/fund-debt-advice-vince-cable?INTCMP=SRCH [accessed 05.04.2011].

Strelitz, J. and Lister, R. (2008) Why Money Matters: Family Income, Poverty and Children's Lives, London: Save the Children.

Online sources

Consumer Focus is the statutory consumer champion for England, Wales, Scotland and Northern Ireland aiming to work with businesses, public services and policy makers to promote the interest of consumers.

www.consumerfocus.org.uk/

Transact is a national forum for financial inclusion seeking to promote best practice, raise awareness financial inclusion work.

www.transact.org.uk/