Finance & Debt

Debt is both a cause and consequence of poverty. In recent years, there has been an increase in sub-prime lending, payday loan stores, cash generating outlets and pawnbrokers. Short-term high interest lending has increasingly been used to cover the rising cost of living.

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GB Dent Trap for GM Poverty Action

Great British Debt Trap

We were recently contacted by Stephen Pennells from the Jubilee Debt Campaign and we invited him to write for the newsletter to tell us more. Ending the Great British Debt Trap By Stephen Pennells, Jubilee Debt Campaign, Manchester There are many causes of household poverty but one of them is the debt trap that faces

Universal Credit article by Graham Whitham for GM Poverty Action

Universal Credit

Universal Credit – action taken, more to do              By Graham Whitham Last week the new Secretary of State for Work and Pensions Amber Rudd MP acknowledged that key ways in which Universal Credit operates and functions need to be addressed. The first important announcement was that the two-child limit for Universal Credit payments will not

Hidden young people for GM Poverty Action

Hidden young people

New research explores why young unemployed people are turning their backs on the benefit system by Dr Katy Jones, University of Salford There is growing concern about so-called ‘hidden young people’ – those young people who are neither in employment, education or training, nor claiming the benefits they are entitled to. There are approximately 21,890

End Child Poverty 2018 for GM Poverty Action

Cap on cost of rent-to-own

The End Child Poverty coalition has welcomed the Financial Conduct Authority’s announcement that it will consider a cap on the total cost of goods bought through rent-to-own. Anna Feuchtwang, Chair of End Child Poverty and Chief Executive of the National Children’s Bureau, said “We welcome the FCA’s announcement. It is the poorest families that pay

FI Scams Awareness by CAB for GM Poverty Action

Scams Awareness

Scams Awareness Month by Ali Craythorne June marks Scams Awareness Month, an annual Citizens Advice campaign where we raise awareness of how to spot, avoid and report scams. Citizens Advice Manchester we will be working in partnership with Trading Standards, campaigning in the community and delivering a number of training sessions to help the public

GM Law Centre on W&P Committee for GM Poverty Action


Work & Pensions Committee: PIP & ESA trust deficit fails claimants and the public purse In November 2017, the Greater Manchester Law Centre (GMLC) submitted a contribution to the Work and Pensions Committee, who requested evidence and experiences of the medical assessments for disability benefits. Specifically, the Committee focused on the assessments for Personal Independence

Welfare Reform & Benefits FI for GM Poverty Action

Welfare Reform

By Megan Blake, Director of the MA Food Security and Food Justice, University of Sheffield UC and PIP have received considerable attention recently. While the specifics of these reforms are causing considerable difficulty for households and communities, welfare reform actually includes a wider suite of changes that are affecting different types of families in very

Debt article by Mike Kane for GM Poverty Action

Impact of debt by Mike Kane MP

Debt and its impact on our communities by Mike Kane MP for Wythenshawe & Sale East There​ ​is​ ​a​ ​wealth​ ​of​ ​evidence​ ​around​ ​the​ ​issue​ ​of​ ​problem​ ​debt​ ​and​ ​its​ ​impact​ ​on​ ​our communities. ​ ​​ ​In​ ​my​ ​constituency​ ​alone​ ​there​ ​are​ ​more​ ​than​ ​16,000​ ​people​ ​who​ ​are​ ​‘over​ ​indebted’​*.​​  ​Yet​ ​we​ ​have​ ​seen​ ​little​

Community Wealth Building for GM Poverty Action

Community wealth building

Community Wealth Building – Greater Manchester and the Preston Model Last month GMPA Director Graham Whitham wrote about the consequences of a failing economic model and how Greater Manchester can build an alternative local economy that addresses these challenges. We invited Councillor Matthew Brown to respond based on his work in Preston. Communities in Greater

Universal Credit article for GM Poverty Action

Universal Credit

The unstoppable steamroller that is Universal Credit Earlier this month GMPA, along with many other organisations signed an open letter sent to the Manchester Evening News which read as follows: “To​ ​the​ RT Hon David Gauke MP, ​Secretary​ ​of​ ​State​ ​for​ ​Work​ ​and​ ​Pensions,​ We​ (​the​ ​undersigned​) ​are​ ​concerned​ ​about​ ​the​ ​roll​ ​out​ ​of​ ​Universal​

Soundpound consortium article for GM Poverty Action

Sound Pound

Greater Manchester Credit Unions have joined forces to take on national lenders People across Greater Manchester are being supported to break free from debt by a new partnership of local loans and savings providers. Greater Manchester credit unions have joined forces to create a new consortium – called SoundPound – to take on national lenders and show

Our economy article for GM Poverty Action

Our economy isn’t working

Can Greater Manchester pioneer a new way of doing things? By Graham Whitham The UK is failing to ensure economic and jobs growth leads to higher living standards for all. GDP growth has been positive in every quarter since the end of 2012. The employment rate is at a record high and the unemployment rate

Bolton CTFS for GM Poverty Action


Profile: Bolton Community Transport and Furniture Services Bolton Community Transport and Furniture Services, or BCTFS, offers furniture, white goods (cookers, washer-dryers, fridge freezers), and community transport for people across Bolton. 10,000 furniture items were collected and delivered to homes across Bolton last year, with 80% of total sales to communities within the top 15% of

Northwards Housing financial help team for GMPA article

Northwards Housing tackling poverty

by Tracy Langton, Northwards Housing Poverty – deep, ingrained poverty – is crippling. It affects all aspects of your life – physical health, mental health, hopes, dreams and aspirations and though it may sound clichéd, some people genuinely do have to make the stark choices between heating and eating. We know we can’t wave a

Salford’s Improving Financial Resilience project

Partners active in Salford’s Financial Inclusion Practitioner’s Group raised concerns about the rise in people experiencing financial hardship in the city. As part of their response and working to the city’s family poverty strategy, Salford City Council commissioned the ‘Improving Financial Resilience’ project in 2014. The aim of this project is to deliver financial inclusion

Has Osborne delivered a blow to the Living Wage campaign?

“A cack-handed approach to boosting the minimum wage risks pushing families into poverty and undermining the Living Wage campaign” says Graham Whitham. George Osborne announced a very welcome increase in the minimum wage in his budget last week, raising it to £7.20 for over 25s from April. Arguing that ‘Britain deserves a pay rise’ he

Street image for GMPA article

Debt is Both a Consequence and a Cause of Poverty

Debt is both a cause and consequence of poverty. In recent years, there has been an increase in sub-prime lending, payday loan stores, cash generating outlets and pawnbrokers.  Short-term high interest lending has increasingly been used to cover the rising cost of living [1]. Access to affordable credit is vital for those on low incomes, those

Living Wage & The Role of Local Government

The full report is available here: Living wage and the role of local government This think-piece written collectively by the Centre for Local Economic Strategies (CLES) and the Greater Manchester Living Wage Campaign (GMLWC) seeks to discuss how local authorities in Greater Manchester can show the required leadership to improve pay across the city-region. In Greater

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