PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST...

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-


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-


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


-3-

%


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-


%

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


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

%


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


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)


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?


%

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

%


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


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)


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


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


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?


Q19 How many?

%

Base: all responding with an account (164)

%

Q22 In credit?


33

67

Two or more

One

9

90

No

Yes


Q20/Q21 Whether uses (all) accounts and, if not, why not

-13-

%

12

88

No

Yes

Q20 Use (all) account(s)?


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


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)


Q4/Q5 Fuel(s) used and current suppliers

-15-

Q4 Fuel(s) used


%

Q5 Electricity supplier

Q5 Gas supplier


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 %

%


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?


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


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


- 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)


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


73% easy

27% difficult

• Most difficulty –

- those living alone (40% very/fairly difficult) - those living in a flat (35% very/fairly difficult)


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


N/A

Base: all responding using gas (183)


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-



Q12/Q15 Whether has contents insurance and, if so, with which company

53

47

NoYes

-22-

Q12 Contents insurance?


%

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)


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


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)


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


Q35 Whether has any outstanding loans/debts and, if so, what

1

43

56

Refused

No

Yes

-26-

Q35 Have outstanding loans/debts?


%

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


<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)


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)


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


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


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


Q40 Difficulties (might) have in obtaining credit or borrowing money

40None/no problems

-32-

%


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


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-


%


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-


<1%

12

22

Nothing liked

Generally love it/great/like everything


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%

%


Others

5

13

20

44

Space well used/good layout

Like size of house/flat

Big/spacious/roomy

Any size/layout comment


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

%

%


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 %

PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST...

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Transcript of PHA TENANT SURVEY (FINANCIAL EXCLUSION) Presentation of results Prepared for: BILL SARGENT TRUST...