A series of studies carried out for the Joseph Rowntree Foundation reveal that those in greatest need of assistance have the worst access to opportunities and services.People who most require good health care, education, jobs, housing and transport continue to struggle 60 years after the founding of the welfare state, the JRF’s assessment of 21st century life in Britain claims. Comparing people and places across England, Northern Ireland, Scotland and Wales, researchers at universities in Sheffield, Bristol and Edinburgh reported examples of the inverse relationship between need and supply when it comes to services. The studies reveal that areas with high levels of overcrowded homes tend not to have many under-occupied homes. The areas with the highest levels of under-occupied properties are identified as being in the Home Counties and parts of the South-West, north Yorkshire and Wales. Also uncovered by the research were 185,000 unoccupied holiday homes and second residences, mostly in rural areas. These same areas also tend to have an unusually high proportion of local people who are renting their homes from private landlords. Professor Danny Dorling of the University of Sheffield, who was part of the team that carried out the analysis, says: “Persistent inequality between rich and poor areas is reflected in terms of housing, education and health care, as well as economic wealth.” The team behind the report says it now aims to map the differences in living standards between the rich and the poor.
Preferred is hosting five Treating Customers Fairly roadshows across the country for its key intermediaries. During the free half day events in October and November, expert independent consultants will help senior and middle managers identify key business factors and understand how to prepare for TCF. Intermediaries will be receiving their invitations within the next week. […]
In response to the FSA’s latest ‘Financial promotions mortgage and general insurance bulletin’, Laurence Baxter, principal policy adviser at Which?, says: “In relation to the selling of protection products, the FSA has uncovered a catalogue of mis-selling tactics including scaremongering and unsubstantiated claims. But the FSA’s response to tackling these problems is woefully inadequate. Instead […]
The Financial Services Authority has revealed that its compliance review of small mortgage brokers advising on sub-prime found too many cases where firms were unable to show that they had followed the required procedures relating to suitability.Three firms were identified as potentially assisting customers to obtain a mortgage where their income would not meet the […]
Last week MS exclusively revealed that Hitachi Capital and Advent Solutions Management are to launch a joint venture called Securah, selling mortgage payment protection insurance. We asked you whether the launch of Hitachi’s MPPI product would result in it sucking up all general insurance business in the sector and the ayes had it, with some […]
Lorna Blyth, Royal London Do guarantees benefit customers and, if so, when? To answer this conundrum we commissioned Millimans, a global actuarial consulting firm, to conduct an independent review of the UK retirement income market and whether guarantees really do offer customers better value for money. The brief The study was one of the most comprehensive undertaken […]
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