Debt Talk

Apr 13 2024 11

Debt Talk Podcast artwork

Talking about debt is more important than ever before, especially in times of the cost of living crisis. I am sure you have received a letter in the post asking you to get a credit card; or you have seen adverts on the TV or Google about different types of loans offered to you - subject to credit check. You only hear about debt when you are personally struggling financially. There are also regulatory changes or changes in the types of debts the sector deals with in recent times compared to just consumer credit debts. A debtor who seeks advice may also have other issues to resolve: domestic abuse, gambling, and benefit problems to just name a few. The series of Debt Talk podcasts are here to explore the views of a diverse range of communities - from debt collections, enforcement agents, and alternative lenders to debt advice charities- and understand the support need of debtors in such a challenging time. Ripon Ray has been working in the debt advice sector for over 12 years. He is also a frequent debt expert on the BBC. More on Ripon Ray here: www.yourdoctordebt.com

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Debt Talk: Poverty & ethnicity premium

Apr 13 2024 56 mins

Another thought-provoking podcast on Debt Talk is ‘Poverty & ethnicity premium’. This time, leading experts from academia, think tanks, debt advice, and funders spoke about issues that matter in financial services.Maria Booker from Fair By Design explained the poverty premium and how communities are paying more and being financially discriminated against because many can’

Debt Talk: Consumer duty & the debt sector

Mar 13 2024 44 mins

Introducing Consumer Duty principles by the Financial Conduct Authority resulted in a dramatic shift from treating customers fairly to focusing on customer outcomes, which requires a readjustment of thinking for many regulated firms in Britain. To navigate such an insightful subject on the Debt Talk podcast, Ripon Ray invited distinguished experts from research and consultancy, deb

Debt Talk: Council finance, tax & debt recovery

Feb 13 2024 50 mins

Birmingham Council went bankrupt and accelerated its debt recovery to collect council tax and other fines by 500% between 2022 and 2023. It was revealed under the Freedom of Information Request. Other councils throughout the United Kingdom also use enforcement agents to recover unpaid debts since many are overstretched with their finances. To highlight the severity of this issue in

Debt Talk: Gambling & debt

Jan 14 2024 28 mins

In this month's Debt Talk podcast with Ripon Ray, the subject is: 'Gambling and debt'. To navigate such a sensitive topic, he has experts from academia and gambling therapy.Prof John McAlaney from Bournemouth University speaks about the meaning of gambling, the different types of gambling activities in the UK and how the behaviour of gambling differs based on age and sex. He also e

Debt Talk: Debt, housing costs & homelessness

Dec 13 2023 32 mins

According to Shelter, a homelessness charity, there are 271,000 people recorded as homeless in England of which 123,000 children.To navigate this month’s Debt Talk podcast with Ripon Ray on: ‘Debt, housing costs and homelessness', expert panellists who specialise in the benefits system, policy and debt.Deven Ghelani, Founder and Director of Policy in Practice, spoke about the t

Debt Talk: Alternative lending & debt

Nov 12 2023 37 mins

Mainstream lenders are here to stay. It does not mean we are not seeing a variety of lenders in the financial market. In this month's podcast on Debt Talk, Ripon Ray spoke about: 'Alternative lending & debt'. To navigate the subject, there were experts from financial inclusion and debt.Gareth Evens - Co-founder and director of the Financial Inclusion Centre - spoke about the va

Debt Talk: The cost of fuel

Oct 12 2023 23 mins

As we head towards another winter, the cost of electricity and gas will yet again be of concern for many households. Ripon Ray spoke with a savvy pensioner and a Fuel Poverty Action representative to address such an important issue on this Debt Talk podcast episode to explore the causes of the fuel crisis.Barry Duckett, a local pensioner in South London, spoke about the challenges

Debt Talk: DRO or IVA? That is the question...

Sep 13 2023 59 mins

One in 422 adults entered insolvency between 1 July 2022 and 30 June 2023. The economic factor is crucial in considering bankruptcy for many individuals, particularly when personal Individual Voluntary Arrangements (IVA) and Debt Relief Orders (DRO) are concerned. In this episode of the Debt Talk podcast, Ripon Ray explored: ‘DRO or IVA? That is really the question...’Sara Will

Debt Talk: The cost of financial exclusion

Aug 13 2023 52 mins

There are 17.5 million people in financially vulnerable circumstances, one in three adults in the UK. Some of these vulnerabilities can be seen in the form of financial exclusion. In this episode, Ripon Ray discusses: ‘The cost of financial exclusion’. To navigate the Debt Talk podcast topic, panellists were from a financial inclusion funder, a debt crisis and money training so

Debt Talk: Artificial Intelligence, financial services & debt sector

Jul 13 2023 60 mins

Do you know about Artificial Intelligence (AI) and, most importantly, AI within the financial services and debt sector? You will once you have listened to the 12th episode of the Debt Talk podcast. In this episode, Ripon Ray explored the subject with experts from academia, visionaries and tech gurus as they spoke about the actual workings of AI in the financial services and debt se