This paper examines social and demographic predictors of debt problems, whether debt problems tend to occur in combination with other problems and which people tend to experience long-rather than short-term debt. Data were extracted from a survey of 5,611 adults' experiences of civil justice problems, throughout England and Wales. Being in receipt of benefits and long-term illness or disability were the strongest predictors of debt, with long-term ill or disabled respondents also being more susceptible to long-term debt. We highlight the importance of advice interventions that recognise the link between civil justice problems and health, illness or disability. N.J. Balmer et al.

Over recent years there has been increasing policy concern in the UK about whether citizens are equipped with sufficient legal ‘know-how’. In January 2006, the Department for Constitutional Affairs, now Ministry of Justice, announced a Public Legal Education and Support Task Force to develop and promote the case for a national strategy. This comes after UK government strategies have recently been developed for both consumer education and financial capability. Drawing on empirical data, this article explores whether there is indeed a lack of awareness and confidence among the population of England and Wales in regard to legal issues. The results from the English and Welsh Civil and Social Justice Survey, a large-scale face-to-face survey representative of the population, illustrate the case for targeted as well as general public legal education initiatives.

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In common with a number of other developed western states, the UK has seen significant growth of consumer debt over the past three decades. In tandem, there has been an associated increase on the demand for debt advice. Using data from the English and Welsh Civil and Social Justice Survey, this article explores how debt problems are experienced across the population and goes on to contextualize the distinct nature of debt problems and their relationship to other problems of everyday life. Findings reaffirm the increased vulnerability to debt problems experienced by socially excluded groups, such as lone parents, those with a long‐term illness or disability and the people with no academic qualification. Results go further to demonstrate that vulnerability is not constant but is also influenced by broader economic and social factors; in particular, findings demonstrate how problems directly associated with the economic downturn increase vulnerability to unmanageable debt and financial difficulty. Given this relationship, and the prolonged longevity of debt problems compared with other problem types, we would expect to see an increase in the experience of debt problems as the effects of the recession become fully apparent, and for some time thereafter. Discussion focuses upon the policy relevance of findings to frontline debt counselling and advice services operating within an increasingly tighter financial environment. Specifically, emphasis is placed upon potential benefits of offering debt counselling and advice as part of an array of other social welfare advice services, and even working across sectors to get better penetration into hard to reach groups.

A number of studies have pointed to a plateauing of athletic performance, with the suggestion that further improvements will need to be driven by revolutions in technology or technique. In the present study, we examine post-war men's Olympic performance in jumping events (pole vault, long jump, high jump, triple jump) to determine whether performance has indeed plateaued and to present techniques, derived from models of human growth, for assessing the impact of technological and technical innovation over time (logistic and double logistic models of growth). Significantly, two of the events involve well-documented changes in technology (pole material in pole vault) or technique (the Fosbury Flop in high jump), while the other two do not. We find that in all four cases, performance appears to have plateaued and that no further "general" improvement should be expected. In the case of high jump, the double logistic model provides a convenient method for modelling and quantifying a performance intervention (in this case the Fosbury Flop). However, some shortcomings are revealed for pole vault, where evolutionary post-war improvements and innovation (fibre glass poles) were concurrent, preventing their separate identification in the model. In all four events, it is argued that further general growth in performance will indeed need to rely predominantly on technological or technical innovation.

Justiciable problems do not always occur in isolation. However, little empirical research has examined multiple problems in depth by identifying common clusters of problems, their extent, and those who experience them. The Legal Services Research Centre's Periodic Survey of Justiciable Problems is a large-scale survey undertaken in England and Wales, documenting 5,611 respondents' experience of 21 discrete problem categories. Having assessed the overall incidence and overlap of problem types, hierarchical cluster analysis, based on each respondent's experience of these categories, was used to identify clusters. We then established social and demographic predictors of each cluster using mixed-effects Poisson regression and examined each problem type's likelihood of overlapping with further problems, both within and between identified clusters. We highlight policy implications of our findings, particularly concerning developing "joined-up" solutions to multiple "joined-up" problems.

A randomized trial was conducted to assess whether the offer of advice to those experiencing debt problems and who had yet to obtain any formal advice, had a positive impact on their financial and general circumstances. The participants were drawn from 16 Jobcentres (welfare offices) in 13 areas of England and Wales. In all, 402 participants were included in the trial at its outset; 234 participants remained in the trial at the 20‐week followup. There was no significant difference in the rate at which intervention and control group respondents had resolved their debt problems at the 20‐week followup. However, the former were significantly more likely to describe their financial position as “better” than at baseline. There was also evidence that they became more knowledgeable about their financial circumstances, more focused on dealing with priority debt, and more optimistic about their future prospects, relative to control group counterparts. These findings, though, fell short of statistical significance. The findings provide the first experimental evidence of a positive impact of the offer of debt advice. The study also highlights the difficulties of applying experimental methods in a social setting. One lesson drawn from the difficulties encountered in running this trial is that takeup is likely to be low for some forms of pro‐active advice for sensitive problem types experienced among disadvantaged communities.

Combating social exclusion has become a priority target for many governments and was a key factor in the establishment of the Legal Services Commission (LSC) and the Community Legal Service (CLS) in England and Wales in April . This study aims to assess whether socially excluded groups within the general population are more likely to suffer justiciable problems (problems for which there is a potential legal remedy) and whether such groups differ in their problem resolution strategies and advice-seeking behaviour. We draw upon a large-scale survey of  ,  people representative of the population of England and Wales, and a further survey of  people in temporary accommodation. Five vulnerable groups are extracted: survey respondents with a long-term illness or disability, young and elderly respondents, low-income respondents and those living in temporary accommodation. We identify how some of these vulnerable groups have a high likelihood of experiencing justiciable problems. We also examine advice-seeking strategies among our vulnerable groups and, where contact was made, which advisers were typically contacted. The findings demonstrate the potentially crucial role of access to justice and advice and legal services in tackling social exclusion.