The concentration of need in London, the West Midlands and the North of England follows a similar pattern to studies on poverty and financial wellbeing carried out by other organisations. It reflects, among other factors, the concentration of private renters and higher cost of living in London and lower income levels in the midlands and the north.
Looking at all of the groups in the measure gives us a more complete picture including people at risk, who may “tip over” into the group needing debt advice. In each region and nation between one in five and one in four people are in this group.
London has the highest proportion of at risk people and this is on top of the highest proportion of people needing debt advice. The at risk group is also nearly as high in the West Midlands region.