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Financial difficulty

The financial difficulty index estimates the extent to which the households in an area are experiencing financial difficulty relative to all other areas. The index is a summary indicator of 5 levels of financial difficulty in the chart below, with greater weight attributed to the more severe levels of distress (such as defaulting on payments). Constituencies are ranked out of 100. The most distressed area is 100, the least distressed is 1.

31/100Vale of Glamorgan ranks as average for financial difficulty:

The extent to which households in Vale of Glamorgan are:

The percentage of people who are cutting back


National Avg:6%

The percentage of people who are using savings to cover spending and cutting back


National Avg:4%

The percentage of people who are borrowing from friends/family, using credit or authorised overdrafts & cutting back


National Avg:8%

The percentage of people who are using unauthorised overdrafts or payday loans


National Avg:3%

The percentage of people who are defaulting on a loan, bill, or housing costs


National Avg:6%


Which?'s local data is based on analysis of the Which? Consumer Insight Tracker. Which? surveyed over 10,000 people throughout 2018 and asked about their consumer concerns and experiences.

Estimates of sentiment were calculated for each 2011 Output Area Classification group, extrapolated down to individual output areas, and averages calculated for each constituency and region.

Please note: These statistics are estimates, and are indicative of the sentiment and behaviour of households within each constituency.