Debt Management (Commercial & Consumer) Market Report 2007


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Published Date :
August 2007find similar
Report Type :
Market Reportfind similar
Report Sector :
Business Servicesfind similar
Price :
£ 575
Contents :
13 Chapters

Table of Contents

The table of contents below is for Debt Management (Commercial & Consumer) 2007

Executive Summary

1. Market Definition

Report Coverage

Consumer Credit Services

Commercial Credit Services

Market Sectors

Lending To Individuals

Loans Secured On Dwellings

Consumer Credit

Other Lending

Loans To Other Financial Institutions

Loans To Non-financial Corporations

Loans To Unincorporated Businesses And Non-profitmaking Bodies

Market Trends

Amount Of Outstanding Debt Continues To Increase Strongly

Rising Interest Rates

Individual Insolvencies

House Repossessions Increased In

Minimum Repayments For Credit-card Issuers

Providers Of Individual Voluntary Arrangements

Economic Trends

Population

Table: Uk Resident Population Estimates By Sex (000), Mid-years-2006

Inflation

Table: Uk Rate Of Inflation (%),-2006

Unemployment

Table: Actual Number Of Unemployed Persons In The Uk (million),-2006

Gross Domestic Product

Table: Uk Gross Domestic Product At Current And Annual Chain-linked Prices (£m),-2006

Household Disposable Income

Table: Uk Household Disposable Income Per Capita (£),-2006

Market Position

The Uk

Table: Consumer Credit Gross Lending By Lender (£m),-2006

Figure: Consumer Credit Gross Lending (£m),-2006

Table: The Total Amounts Of Lending Outstanding To Individuals And Businesses At Year End (%),-2006

Figure: The Total Amounts Of Lending Outstanding To Individuals And Businesses At Year End (%),-2006

Overseas

2. Market Size

The Total Market

Table: The Total Amount Of Lending Outstanding By Type Of Borrower At Year End (£m),-2006

Figure: The Total Amount Of Lending Outstanding By Type Of Borrower At Year End (£m),-2006

Table: The Total Amount Of Lending Outstanding By Type Of Borrower At Year End (%),-2006

Figure: The Total Amount Of Lending Outstanding By Type Of Borrower At Year End (%),-2006

By Market Sector

Lending To Individuals

Loans Secured On Dwellings

Table: The Amount Of Lending Outstanding To Individuals Secured On Dwellings At Year End (£m),-2006

Consumer Credit

Table: The Amount Of Consumer Credit Outstanding At Year End (£m),-2006

Other Lending

Loans To Other Financial Institutions

Table: The Amount Of Lending Outstanding To Other Financial Institutions At Year End (£m),-2006

Loans To Non-financial Corporations

Table: The Amount Of Lending Outstanding To Non-financial Corporations At Year End (£m),-2006

Loans To Unincorporated Businesses And Non-profitmaking Bodies

Table: The Amount Of Lending Outstanding To Unincorporated Businesses And Non-profitmaking Bodies At Year End (£m),-2006

3. Industry Background

Recent History

Number Of Companies

Table: The Number Of Uk Vat-based Enterprises Engaged In The Financial Intermediation Sector,-2006

Employment

Table: The Number Of Employees Working In The Financial Intermediation Sector (000),-2006

Regional Variations In The Marketplace

Table: Uk Members Of The Credit Services Association By Region (number And %),

Mortgage Possession Notices

Table: The Number Of Mortgage Possession Notices In County Courts In England And Wales By Region (number And %), First Quarter

Table: The Number Of Mortgage Possession Notices In County Courts In England And Wales,-2006

Figure: The Number Of Mortgage Possession Notices In County Courts In England And Wales,-2006

Individual Insolvencies

Table: The Number Of Individual Insolvencies In The Uk By Type By Region,-2006

Company Liquidations

Table: The Number Of Company Liquidations In The Uk,-2006

Distribution

How Robust Is The Market?

Table: Mortgage Arrears By The Percentage Of Total Balance In Arrears By Length Of Arrears In The Uk,-2006

Table: Company Liquidations As A Percentage Of The Number Of Companies Registered† In Great Britain, Fourth Quarter-2006

Table: The Number Of Landlord Possession Actions In County Courts In England And Wales,-2006

Table: The Number Of Uk Vat-based Enterprises Engaged In The Financial Intermediation Sector By Age Of Business (number And %),

Legislation

The Consumer Credit Acts And

Home Credit

Insolvency Laws

The Enterprise Act

Key Trade Associations

Apacs

Finance & Leasing Association

Consumer Credit Trade Association

Credit Services Association

Federation Of European National Collection Associations

Asset Based Finance Association

International Capital Market Association

Council Of Mortgage Lenders

Other Organisations

4. Competitor Analysis

The Marketplace

Market Leaders

Cattles Plc

Company Structure

Current And Future Developments

Financial Results

Intrum Justitia Ltd

Company Structure

Current And Future Developments

Financial Results

Iqor Ltd

Company Structure

Current And Future Developments

Financial Results

London Scottish Bank Plc

Company Structure

Current And Future Developments

Financial Results

Park Direct Credit Ltd

Company Structure

Current And Future Developments

Financial Results

Provident Financial Plc

Company Structure

Current And Future Developments

Financial Results

S&u Plc

Company Structure

Current And Future Developments

Financial Results

Other Companies

Allied International Credit (uk) Ltd

Bcw Group Plc

Cash Flow Services Ltd

Controlaccount Plc

Debt Free Direct Group Plc

Inter-credit International Ltd

Jb Debt Recovery Ltd

Moreton Smith International Ltd

Philips Collection Services Ltd

Outside Suppliers

Drakes Group Ltd

Equifax Plc

Experian Group Plc

Euler Hermes Uk Plc

Icc Information Ltd

Kenyon Investigation Services Ltd

Regal Credit Consultants Ltd

Marketing Activity

Main Media Advertising Expenditure

Table: Main Media Advertising Expenditure On Debt Management Services (£000), Year Ending March

Exhibitions

5. Strengths, Weaknesses, Opportunities And Threats

Strengths

Weaknesses

Opportunities

Threats

6. Buying Behaviour

Most Popular Sources Of Credit

Table: Most Popular Sources Of Credit† Used In The Last Months By Type (% Of Adults),

Ownership Of Credit And Debit Cards

Table: Ownership Of Credit And Debit Cards By Number Of Cards (% Of Adults),

Home-collected Credit

Table: Use Of Home-collected Credit† In Last Months By Type Of Payment (% Of Adults),

Ownership Of A Mortgage

Table: Ownership Of A Mortgage On A House Or Flat (% Of Adults),

Attitudes Towards Credit And Debit

Table: Consumer Attitudes Towards Consumer Credit And Debt — Summary Of Results (% Of Respondents),

Table: Consumer Attitudes Towards Consumer Credit And Debt — Analysis Of Selected Statements (% Of Respondents),

7. Current Issues

International Issues

A Warning By The Bank For International Settlements

Us Sub-prime Mortgage Lending Market Under Stress

The Political Scene

Competition Commission Opens Up Home-credit Market To Competition

Office Of Fair Trading Examination Into Credit-card Interest Calculation Methods

The Financial Ombudsman Service (alternative Dispute Resolution Process)

Industry Actions

Industry Standards For The Iva Sector

Concerns About Iva Advertisements

Iva Debt Escape Route Made Easier

Consumer Trends

Increase In The Number Of County Court Judgements

Corporate Activity

Cattles Plc

Debt Advisor Group Plc

Debt Free Direct Group Plc

Park Direct Credit Ltd

Provident Financial Plc

Legislative Changes

The Consumer Credit Act

8. The Global Market

Global Comparisons

Household Indebtedness

Table: Household Indebtedness Among Seven Of The Leading Industrialised Countries (% Of Nominal Disposable Income),-2006

Europe

Table: Value Of Mortgage Debt And Per Capita Mortgage Debt By Country (_m And _),

Intrum Justitia's European Payment Index Survey

Table: Intrum Justitia's European Payment Index Survey†, Spring-spring

The Us

Table: Us Consumer Credit Outstanding By Type Of Credit ($bn),-2006

Table: Us Consumer Credit Outstanding ($bn),-2006

Table: The Total Number Of Bankruptcy Filings In The Us By Type, Year Endingst December-2006

9. Forecasts

Introduction

The Economy

Population

Table: Forecast Uk Resident Population By Sex (000), Mid-years-2011

Inflation

Table: Forecast Uk Rate Of Inflation (%),-2011

Unemployment

Table: Forecast Actual Number Of Unemployed Persons In The Uk (million),-2011

Gross Domestic Product

Table: Forecast Uk Growth In Gross Domestic Product In Real Terms (%),-2011

Forecasts To

Table: The Forecast Total Amount Of Lending Outstanding At Year End (£m),-2011

Market Growth

Figure: Forecast Growth In The Total Amount Of Lending Outstanding At Year End (£bn),-2011

Future Trends

High Uk Household Sector Indebtedness

Gross Mortgage Lending Reaches New High

Rising Interest Rates

10. Company Profiles

Cattles Plc

Intrum Justitia Ltd

London Scottish Bank Plc

Provident Financial Plc

11. Consumer Confidence

Methodology

Key Findings This Quarter

The Willingness To Borrow

Confidence Improves

Table A: The Average Amount Consumers Are Willing To Borrow In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), February-2007

Willingness To Borrow Slips Slightly

Table B: The Number Of Adults Willing To Borrow In Order To Purchase Expensive Items (000 And %), February-2007

Spending From Savings

Slight Increase In Spending From Savings

Table C: The Average Amount Consumers Are Willing To Spend From Savings In Order To Purchase Expensive Items At Current And Constant November Prices (£ And £bn), February-2007

Saving Grows In Relative Importance

Table D: The Average Amounts Adults Are Confident Spending To Purchase Expensive Items (£ And %), February-2007

12. Further Sources

Associations

General Sources

Government Publications

Other Sources

Bisnode Sources

Other Reports