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After 14 months of digital campaigning, Zero-credit formed as a co-operative in August 2010. Individuals with personal experience of borrowing own a share in our company and are Coop Members. Professionals who serve borrowers commission our work. We want to engage people and organisations in a dialogue that recognises the consumer in every one of us.
We all use personal finance and the vast majority of us are borrowers too. It therefore seems entirely rational to trade in research and development that can finance our social aims by sharing in the wealth of co-operation, respecting that resources are finite (but that potential is not), recognising mistakes as necessary to progress, giving credit where it is due, and conducting our business in an open, honest and sustainable way. We hope you'll join us! |
Recent Research
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In
November 2012, the Trust Deed Forum and Phillip Gill & Co commissioned Zero-credit to explore how Trust
Deed clients felt about Scottish Government proposals to reform Bankruptcy Law. There had been a great deal of professional
media coverage about this, but relatively little in the mainstream media.
A key aim of the research was to assess the impact of reforms on people considering Trust Deeds as an option to tackle insolvency. With so many professional questions about the impact of reform, it was imperative that we designed a survey that did not bias responses. We therefore supported the client in conducting a short qualitative phase, to shape and sequence survey questions. Then we conducted an online survey in the last week of November, reporting initial findings shortly before Christmas and in full at the start of January. Since conducting this research, consultation about the reforms has been extended. Please address all client side queries to Andrew Graveson. |
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Recent Development
Please address all client side queries to Kelly Osadare.
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Digital Event Coverage
The Money Advice Liaison Group hosts its annual conference in London.
We helped to promote the event digitally, through the twitter account @MALGconf. 
Covering #MALG12 took about 12 days over 6 months, which paid off with
excellent engagement.
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