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Research into high-cost credit provided to low-income households in Stockton and Middlesbrough, two towns in North East England, resulted in measures to tackle financial hardship and contributed to a review of policy and practice at national level. Professor Sarah Banks of the Centre for Social Justice and Community Action at Durham University, along with the organisations Thrive Teesside and Church Action on Poverty, undertook action research to investigate and challenge unethical practices of high-cost lenders. The project helped win commitments from rent-to-own companies for reforms that benefited an estimated , customers, led to the development of a community-based mentoring scheme for indebted households and contributed towards campaigns to regulate high-cost credit. National legislation was subsequently introduced requiring the FCA to cap the total cost of credit, in line with the research recommendations.
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