pha tenant survey (financial exclusion) presentation of results prepared for: bill sargent trust...
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PHA TENANT SURVEY(FINANCIAL EXCLUSION)
Presentation of results
Prepared for:
BILL SARGENT TRUST
Prepared by:
MARKETING SCIENCES LTD
8 St Clement Street
Winchester
Hampshire SO23 9DR
Tel: 01962 842211
Fax: 01962 840486MS30053 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 = 395Interviews achieved = 213No contact = 123Refusals = 44Empty = 5Other (e.g. too frail) = 10
• 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)
-2-
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents
4
15
51
19
10
20 years or more
10 up to 20 years
3 up to 10 years
1 up to 3 years
Less than 1 year
Q1 Length of tenancy
%
3
97
Other
White British
Base: all responding (212)
Q29 Ethnic origin
Base: all responding (205)
-3-
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents (cont.)
5
6
19
17
28
25
Six or more
Five
Four
Three
Two
One
Q24 Number in household
%
Average: 2.7Base: all responding (213)
Q24/Q25 Household type
-4-
Base: all responding (210)
%
7
4
14
4
23
13
35
Other
Couple, at least 1 60+ (no children)
Couple, both under 60 (no children)
2 parent family with child(ren) at least 1 under 16
1 parent family with child(ren) at least 1 under 16
1 adult 60+ living on own
1 adult under 60 living on own
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Profile of respondents (cont.)
7
6
8
15
26
28
10
75+
65-74
55-64
45-54
35-44
25-34
18-24
-5-
Q26 Age
%
Base: all responding (213)
Q27 Current situation (respondent and spouse/partner)
Base: all respondents and spouse/partners (277)
1
11
23
14
5
1
5
13
26
Other
Permanently sick/disabled
Looking after family/home
Full-time education
Fully retired
Unemployed and available for work
Government supported training
Self-employed
Part-time employee (1-29 hrs/week
Full-time employee (30+ hrs/week) %
<1%
• 53% of households - tenant (and spouse/partner if applicable) not in work
• 47% of households - tenant and/or spouse or partner in work
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q41/Q43 Sources of income (respondent and/or spouse or partner)
4
2
2
2
3
4
8
10
13
15
21
35
38
47
49
57
Other
Maintenance (ex partner)
Carers allowance
Interest from savings/investments
Rent/keep from household member
Job Seekers Allowance
Incapacity Benefit
Pension from former employer
Disabled Living Allowance/Attendance Allowance
State retirement pension
Working Families Tax Credit
Income Support
Council Tax Benefit
Earnings from (self) employment
Housing Benefit
Child Benefit %
- less than half have a wage
-6-Base: all responding (213)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q45/Q46/Q47 Whether thinks might be eligible for benefits not receiving and reasons for not claiming
23
71
6
Don't know
No
Yes
-7-
Q46 Respondent and/or spouse/partner might be eligible for benefits not claiming?
Base: all responding (213)
%
Q47 Which benefits?
13
13
13
28
34
Working Families Tax Credit
Council Tax Benefit
Housing Benefit
Income Support
Disabled Living Allowance/Attendance Allowance %
Q48 Why not claiming?
12
14
18
26
26
Not worth it/too much hassle
Circumstances recently changed - not eligible before
Circumstances constantly change
Been told not eligible
Only just found out can claim
N.B. IS LOW BASEOF 13 PEOPLE
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q42/Q44 Net total weekly income (respondent and/or spouse or partner)
8
7
2
4
6
7
11
16
19
22
Refused
Don't know
£555+
£425 - £554
£325 - £424
£275 - £324
£225 - £274
£175 - £224
£125 - £174
£124 or less %
Total amount
-8-Base: all responding (212)
8
7
1
5
9
11
20
21
17
Refused
Don't know
£275+
£225 - £274
£175 - £224
£125 - £174
£100 - £124
£75 - £99
£50 - £74
£49 or less %
Average £207.87 Average £91.05
Per capita amount
<1%2
4
7
8
13
18
22
25 %
Total exc. dk/ref.
1
2
6
11
13
23
24
20 %
Per capita exc.dk/ref.
N/A
N/A N/A
N/A
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q30a/b Reasons for not working (full-time) – respondent and/or spouse or partner
2
2
2
2
3
5
7
9
17
18
21
55
Lack of registered childcare
Pregnant
Just been made redundant
Studying/college course
Care for home/full-time housewife/househusband
Other health/sickness reason
Lack of qualifications
Carer for someone who is long term sick/disabled
Would mean benefits reduced
Childcare too expensive
No suitable work available/can't find right job
Don't want to leave child(ren) with someone else %
-9-
Base: respondents and spouse/partners workingpart-time or unemployed or looking after family/home (115)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q32/Q33 Current childcare arrangements and any additional needed
1
2
2
2
3
11
28
59 %
Q32 Current
-10-
Base: those with children 0-15 in household (121)
%
Q33 Additional needed
9
2
4
8
5
3
5
76
most popular arefor school age children
None
Relative/friend not registered as childminder
Half day play group/preschool/nursery
All day nursery
After school supervision/club
Registered childminder
Relative/friend registered as childminder
School holiday supervision
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q34 Cost of childcare per week
4
10
8
5
9
65
£35+
£25-£34
£15-£24
£5-£14
Under £5
Nothing %
-11-Base: those with childcare arrangements (49)
Only 17 people paying for childcare(8% of total sample)
Average £6.38Average (exc. nothing) £17.99
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q18/Q19/Q22 Whether has bank/building society account and, if so, how many
-12-
%
22
77
No
Yes
Q18 Has bank/building society account?
Base: all responding (213)
Q19 How many?
%
Base: all responding with an account (164)
%
Q22 In credit?
Base: all responding with an account (159)
33
67
Two or more
One
9
90
No
Yes
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q20/Q21 Whether uses (all) accounts and, if not, why not
-13-
%
12
88
No
Yes
Q20 Use (all) account(s)?
Base: all responding with an account (164)
Q21 Reasons for not using
%
Base: all responding with an account they do not use (19)
9
22
38
40
Prefer using cash
Can't afford to/no money to put in
Savings account/money for future
Only a small amount of money in it
N.B. IS LOW BASE OF 19 PEOPLE
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q23 Reasons for not having bank/building society account
-14-
%
11
21
26
47
Poor credit rating
Can't bebothered/never got
round to it
No money to put in
Prefer to deal in cash
Base: all responding without a bank/building society account (46)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q4/Q5 Fuel(s) used and current suppliers
-15-
Q4 Fuel(s) used
Base: all responding (213)
%
Q5 Electricity supplier
Q5 Gas supplier
Base: all responding (212)
3
3
6
23
54
TXU Energy
N Power
Southern Gas
Southern Electric(ity)/SEB
British Gas
Base: all responding using gas (183)
86
14
Electricity and gas
Electricity only
3
4
20
61
Southern
Southern Gas
British Gas
Southern Electric(ity)/SEB %
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q5 Whether using same or different supplier for gas and electricity
42
43
British Gas
Southern Electric(ity)/SEB
-16-
Base: all responding using both gas and electricity (176)
%
Base: all responding who use same supplier (82)
53
47
Different suppliers
Same supplier
Same or different?
%
Which?
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q6 Spend per year on electricity and gas
%
Electricity
-17-
%
Gas
<1%
Base: all responding using electricity/gas
(213) (182)
5
1
6
12
10
17
12
17
21
1
Average
Don't know
£1000-£1300
£600-£999
£500-£599
£400-£499
£300-£399
£250-£299
£200-£249
£100-£199
Under £100
6
5
9
10
18
13
14
21
5
£318.50 £296.86
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q6 Total spend per year on fuel
6
4
6
5
7
9
8
14
13
13
16
Don't know
£1100+
£1000-£1099
£900-£999
£800-£899
£700-£799
£600-£699
£500-£599
£400-£499
£300-£399
Under £300 %
-18-
Average £572.09
Base: all responding (213)
- 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)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q7 Ease of finding money to pay for fuel
6
21
48
25
Very difficult (+1)
Fairly difficult (+2)
Fairly easy (+3)
Very easy (+4) %
-19-
Average 2.92
Base: all responding (210)
73% easy
27% difficult
• Most difficulty –
- those living alone (40% very/fairly difficult) - those living in a flat (35% very/fairly difficult)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q8 How pay for gas/electricity
%
Electricity
-20-
%
Gas
92
2
2
7
8
10
19
48
Don't want to pay other way
Cheque/PO in the post
Cards
Cash/cheque at bank
Key
Cash/cheque at Post Office
Direct Debit/Standing Order
Tokens/meter
94
4
13
6
13
19
39
Base: all responding (213)
N/A
Base: all responding using gas (183)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q11 Methods used to save energy
15
19
21
24
24
34
34
37
37
46
49
57
78
81
Draught proofing doors/windows
Thermostatic radiator valves
Add extra loft insulation
Insulation on hot water tank/pipes
Shower instead of bath
Use low energy light bulbs
Energy efficient appliances
Don't heat rooms don't use
Keep doors closed
Don't leave television on standby
Use half load on washing machine/economy wash
Not boil full kettle if not needed
Double glazing/secondary glazing
Switch off lights if room not being used %
-21-
Base: all responding (213)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q12/Q15 Whether has contents insurance and, if so, with which company
53
47
NoYes
-22-
Q12 Contents insurance?
Base: all responding (213)
%
Q15 Insurance company
10
3
3
4
4
4
4
6
8
9
18
(Don't know/can't remember)
Co-op Insurance
Norwich Union
Housing Association (n.m.s)
NatWest
Nationwide
Farrs/Wessex Admin Services
Abbey National
Thomas Winter/Royal & Sun Alliance
Age Concern
(Lloyds) TSB
Base: all responding who have contents insurance (98)
%
Least likely to have contents insurance
– aged under 55 (57% no)
– tenants less than 3 yrs (60% no)
– 1 person households (59% no)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q13/Q14 Cost per year of contents insurance and maximum claim
14
5
4
8
30
28
10
2
(Don't know)
£250+
£200-£249
£150-£199
£100-£149
£50-£99
Under £50
Nothing (inc. with rent)
-23-
Q13 Cost per year
%
Base: all responding with contents insurance (98)
%
40
2
5
7
10
5
3
5
9
3
5
6
(Don't know)
Unlimited
£50,000-£60,000
£35,000-£40,000
£30,000
£20,000-£25,000
£16,000-£18,000
£12,000-£15,500
£7,000-£10,000
£3,000-£5,000
£1,200-£2,000
£1,000 or less
widerange ofamounts
Q14 Maximum claim
Average: £119.52Average exc: “nothing”: £121.70
Average: £22,420
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q16 Reasons for not having contents insurance
-24-
%
8
12
32
46
Don't think anything will happen/feel secure
Don't have anything worth insuring
Never got round to it
Can't afford it/too expensive
Base: all responding who do not have contents insurance (114)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q17 Whether contents insurance would have been useful in past
-25-
Q17 Occasions in past when would have been useful?
77
23
No
Yes %
Base: all responding who do not have contents insurance (114)
%
Which occasions
10
15
17
22
26
Stolen goods/property
Stains/spills on carpets/furniture
Electrical goods broken/damaged
Burglary/break in
Flood damage
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
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q35 Whether has any outstanding loans/debts and, if so, what
1
43
56
Refused
No
Yes
-26-
Q35 Have outstanding loans/debts?
Base: all responding (213)
%
Q35 Loans/debts outstanding
2233
77810
14171819
43
Loan from employerLoan from pawn shop
Outstanding fineSocial Services loan
Outstanding payments on store cardLoan from finance house/loan company
Loan from friend/relativeCouncil Tax/Community Charge debtOutstanding payments on credit card
Bank/building society loan or overdraftLoan from doorstep collector
Rent arrearsOutstanding payments for catalogue purchases
None
Base: all responding (213)
<1%
%
Most likely to be
- aged 18 – 34 (79%)- have kids (71% single parents,
75% couple with kids)- *working (71%)
(*respondent and/or spouse or partner)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q39 How much worry about paying loans/debts
-27-
%
35
29
36
Don't worry at all
Worry a bit
Worry a lot
Base: all responding with loan/debt outstanding (117)
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q36 Amount borrowed/outstanding for each
Highest Lowest Average (Base) Highest Lowest Average (Base)
Outstanding payments for catalogue purchases
£3,000
£20
£377
(41)
Loan from friend/relative
£2,000
£70
£1,129
(15)
Rent arrears
£2,800
£20
£720
(38)
Outstanding payments on store
card
£500
£153
£357
(6)
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)
-28-
Base: those with each outstanding loan/debt
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q36 Total amount borrowed/outstanding
10
6
4
6
5
9
3
9
5
9
12
12
11
(Refused)
(Don't know)
£9,001+
£6,001 - £9,000
£4,001 - £6,000
£2,001 - £4,000
£1,501 - £2,000
£1,001 - £1,500
£701 - £1,000
£501 - £700
£301 - £500
£101 - £300
Up to £100
-29-
%
Base: all responding with an outstanding debt/loan (119)
Average £2,043
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q37 Total amount paying back per week
-30-
%
(Base: all responding with an outstanding debt/loan) (119)
3
3
2
6
5
4
3
5
7
3
8
16
14
8
13
1
(Refused)
(Don't know)£100+
£75 - £99
£50 - £74
£45 - £49£40 - £44
£35 - £39
£30 - £34
£25 - £29£20 - £24
£15 - £19
£10 - £14
£5 - £9Less than £5
Nothing
Average £24.01 Average exc. “nothing” £27.64
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002Q38 Interest rate being charged
Nothing Don’t
know Lowest
%
Highest
%
(Base) Nothing Don’t know
Lowest
%
Highest
%
(Base)
Outstanding payments for
catalogue purchases
50%
48%
14%
14%
(41)
Loan from friend/relative
59%
35%
4.5%
4.5%
(15)
Rent arrears
49%
51%
-
-
(39)
Outstanding payments on store card
0%
84%
29.5%
29.5%
(6)
Loan from doorstep collector
0%
69%
1.7%
62%
(37)
Social Services loan
82%
18%
-
-
(6)
Bank/building society loan or overdraft
13%
70%
1%
17.5%
(30)
Outstanding fine
74%
26%
-
-
(5)
Outstanding payments on credit
card
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)
-31-
Base: all responding with each type of loan/debt
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q40 Difficulties (might) have in obtaining credit or borrowing money
40None/no problems
-32-
%
Base: all responding (207)
2
2
2
2
3
3
4
4
5
10
21
Single parent
CCJ's (in past)
Too old/on a pension
On Income Support/benefits
Don't earn much/enough
Bad credit rating from previous tenants
Unemployed/no work
Blacklisted
Ex partner in debt with house/mortgage
No chance/can't get credit/very difficult
Don't want to have credit/won't get into debt if no credit
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q49 Topics would be interested in receiving more information on
2
9
10
11
11
15
19
24
46
Getting a bank/building society account
Fuel bills/providers
Getting a job
Childcare
Debt
Energy saving
Benefits
Contents insurance
None
-33-
Base: all responding (213)
%
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q48 Best way to give information to tenants
3
3
4
15
34
77
1
1
None/not interested
Poster in Housing Office
Tenant website
Phone
Personalised e-mail
Through tenant representative/local tenant group
Article in newsletter/"Open Door"
Leaflet through door
Personalised letter in post %
-34-
Base: all responding (212)
<1%
12
22
Nothing liked
Generally love it/great/like everything
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q2 Likes about current home (spontaneous)
5
10
11
12
20
28
55
Convenient for schools/work
Convenient/good location/central
Near/convenient for shops
Friendly neighbourhood
Quiet/secluded area
Nice area/location/like the area
Any area/location comment
-35-
Area/location%
Size/layout%
%
Base: all responding (213)
Others
5
13
20
44
Space well used/good layout
Like size of house/flat
Big/spacious/roomy
Any size/layout comment
TENANT FINANCIAL EXCLUSION RESEARCH AUGUST 2002
Q3 Dislikes about current home (spontaneous)
5
6
7
10
12
35
Dirty/litter/rubbish/glass around
Kids vandalise cars/property
Gangs of kids cause trouble
Dislike area/location
Problem neighbours/unruly
Any area/location comment
-36-
Area/location
Size/layout
4
4
11
28
Small kitchen
Don't like style/design/layout
Too small/need more bedrooms
Any size/layout
%
%
Base: all responding (213)
Repairs/maintenance
5
6
8
23
Maintenance/repairs poor quality
Length of wait for repairs
Poor condition/needs work
Any repairs/maintenance comment %
Other
5
24
Rent too high
Nothing disliked %