C. Legal
1.3.5.2. Fines de la pena
A1own SHOWCARD (PINK) E
Next, problems or disputes to do with OWNING OR BUYING RESIDENTIAL PROPERTY.
[IF PROBLEM IDENTIFIED: Excluding anything you’ve already told me about], [have you/has your partner] had any (other) problems or disputes of the type shown on this card since [18 months]? Please don’t include not being able to get a mortgage because of lack of money.
1. Yes 2. No
3. Don’t know 4. Refused
A2own [ASK IF A1own = 1]
SHOWCARD (PINK) E
Thinking of the most recent (second most recent) problem or dispute, which of these best describes it?
MULTICODE
1. Planning permission or consent
2. Selling or buying property (e.g. misleading property survey, problems with lease)
3. Communal repairs or maintenance 4. Repossession of the home
5. Having several mortgage payments in arrears 6. Dealing with squatters
7. Boundaries or rights of way or access to your property
(including passage of services (e.g. water, electricity, etc.) over other people’s land)
8. Damage caused by a problem (e.g. fire) on adjoining land
L10own [ASK IF A1own = 1]
SHOWCARD (PINK) A
Which of these descriptions best indicates how [you/your partner] went about sorting out the problem?
SINGLE CODE
1. Did nothing
2. Entirely on my own
3. With the help of family/friends
4. With the help of an adviser/representative
5. With the help of family/friends and an adviser/representative 6. Family/friends sorted out (or are sorting out) the problem for me 7. Adviser/representative sorted out (or is sorting out) the problem for me 8. Friends/family and a adviser/representative sorted out (or are sorting
out) the problem for me 9. Don’t know
L46own [ASK IF A1own = 1]
SEVERITY SCALE SHOWCARD
Thinking about the [problem descriptor] as a whole – and looking at this scale, where the top of the bar represents the most serious type of problem you could face and the bottom represents the least serious – please mark where on the scale you would place the [problem descriptor].
130 Two problems are already placed on the scale as reference points. You can put the mark anywhere on the line, including above or below the problems already on the card.
PROMPT IF ONE OR MORE PROBLEMS ALREADY MARKED You may move problems you have already marked on the scale if you want to.
INTERVIEWER, PLEASE ENSURE THE SHOWCARD IS MARKED CLEARLY WITH [problem descriptor] WRITTEN NEXT TO THE SCALE.
L62own [ASK IF A1own = 1 and another problem identified]
And was the [problem descriptor] linked to any other problem that you have already told me about?
IF YES, WHICH ONES
1. Consumer 1 – problem descriptor 2. Consumer 2 – problem descriptor 3. Employment 1 – problem descriptor 4. Employment 2 – problem descriptor 5. Neighbours 1 - etc 6. Neighbours 2 7. Owned housing 1 8. Owned housing 2 9. Rented housing 1 10. Rented housing 2 11. Money 1 12. Money 2 13. Debt 1 14. Debt 2 15. Education 1 16. Education 2 17. Personal injury 1 18. Personal injury 2 19. Clinical negligence 1 20. Clinical negligence 2 21. Divorce/relationship 1-1 22. Divorce/relationship 1-2 23. Divorce/relationship 2-1 24. Divorce/relationship 2-2 25. Violence 1 26. Violence 2 27. Care 1 28. Care 2
[RETURN ONCE TO A1own] (ONCE TWO LOOPS COMPLETED)
L63own [ASK IF A1own = 1]
SHOWCARD (PINK) E
I won’t be asking you for any more details, but [have you/has your partner] experienced any other problems, apart from the one(s) you have told me about, of this description since (18 months).
1. Yes 2. No 3. Don’t know 4. Refused
L64own [ASK IF L63own = 1]
How many other problems or disputes of the kind shown on this card [have you/has your partner] had since (18 months), excluding the two you have just told me about?
OPEN NUMERIC 1. Don’t know
132 RENTED HOUSING
A1rent SHOWCARD (PINK) F
Next, problems or disputes to do with LIVING IN RENTED ACCOMODATION.
[IF PROBLEM IDENTIFIED: Excluding anything you’ve already told me about], [have you/has your partner] had any (other) problems of the type shown on this card since [18 months]?
1. Yes 2. No
3. Don’t know 4. Refused
A2rent. [ASK IF A1rent = 1]
SHOWCARD (PINK) F
Thinking of the most recent (second most recent) problem or dispute, which of these best describes it?
MULTICODE
Condition of accommodation 1. Unsafe living conditions
2. Other unsuitable conditions for yourself/family (e.g. overcrowding) 3. Getting the landlord to do repairs or maintain the property
Problems to do with money
4. Getting a deposit back
5. Being several rent payments in arrears
Eviction
6. Being evicted
7. Being threatened with eviction
Terms of lease or tenancy
8. Getting the landlord to provide other services under the terms of the lease or tenancy, such as furniture
9. Agreeing (with your landlord) on rent, council tax, housing benefit payments, pre-payment meters for utilities, or other terms of the lease or tenancy agreement
10. Getting your landlord to provide a written tenancy agreement (or statement of the main terms of the tenancy)
11. Transfer of lease or tenancy
Other problems
12. Harassment by your landlord
13. Flatmates not paying the rent or behaving in an anti-social manner 14. Boundaries or rights of way or access to your property
A3rent [ASK IF A2rent = 6 or 7]
SHOWCARD (PINK) G
Who was your landlord at this time? SINGLE CODE
1. Local authority/council/new town development 2. Housing association or charitable trust
3. Employer (organisation) of a household member 4. Another organisation
5. Relative/friend (before you lived here) of a household member 6. Employer (individual) of a household member
7. Another individual private landlord (not a relative, friend or employer of a household member)
8. Don’t know 9. Refused
L10rent [ASK IF A1rent = 1]
SHOWCARD (PINK) A
Which of these descriptions best indicates how [you/your partner] went about sorting out the problem?
SINGLE CODE
1. Did nothing
2. Entirely on my own
3. With the help of family/friends
4. With the help of an adviser/representative
5. With the help of family/friends and an adviser/representative 6. Family/friends sorted out (or are sorting out) the problem for me 7. Adviser/representative sorted out (or is sorting out) the problem for me 8. Friends/family and a adviser/representative sorted out (or are sorting
out) the problem for me 9. Don’t know
L46rent [ASK IF A1rent = 1]
SEVERITY SCALE SHOWCARD
Thinking about the [problem descriptor] as a whole – and looking at this scale, where the top of the bar represents the most serious type of problem you could face and the bottom represents the least serious – please mark where on the scale you would place the [problem descriptor].
Two problems are already placed on the scale as reference points. You can put the mark anywhere on the line, including above or below the problems already on the card.
PROMPT IF ONE OR MORE PROBLEMS ALREADY MARKED You may move problems you have already marked on the scale if you want to.
INTERVIEWER, PLEASE ENSURE THE SHOWCARD IS MARKED CLEARLY WITH [problem descriptor] WRITTEN NEXT TO THE SCALE.
L62rent [ASK IF A1rent = 1 and another problem identified]
And was the [problem descriptor] linked to any other problem that you have already told me about?
IF YES, WHICH ONES
1. Consumer 1 – problem descriptor 2. Consumer 2 – problem descriptor 3. Employment 1 – problem descriptor 4. Employment 2 – problem descriptor 5. Neighbours 1 – etc 6. Neighbours 2 7. Owned housing 1 8. Owned housing 2 9. Rented housing 1 10. Rented housing 2 11. Money 1 12. Money 2 13. Debt 1
134 14. Debt 2 15. Education 1 16. Education 2 17. Personal injury 1 18. Personal injury 2 19. Clinical negligence 1 20. Clinical negligence 2 21. Divorce/relationship 1-1 22. Divorce/relationship 1-2 23. Divorce/relationship 2-1 24. Divorce/relationship 2-2 25. Violence 1 26. Violence 2 27. Care 1 28. Care 2
[RETURN ONCE TO A1rent] (ONCE TWO LOOPS COMPLETED)
L63rent [ASK IF A1rent = 1]
SHOWCARD (PINK) F
I won’t be asking you for any more details, but [have you/has your partner] experienced any other problems, apart from the one(s) you have told me about, of this description since (18 months).
1. Yes 2. No
3. Don’t know 4. Refused
L64rent [ASK IF L63rent = 1]
How many other problems or disputes of the kind shown on this card [have you/has your partner] had since (18 months), excluding the two you have just told me about?
OPEN NUMERIC 1. Don’t know
DEBT
A1debt SHOWCARD (PINK) I
Next, problems or disputes to do with DEBT.
[IF PROBLEM IDENTIFIED: Excluding anything you’ve already told me about], [have you/has your partner] had any (other) problems or disputes of the type shown on this card since [18 months]? Please don’t include problems related to a business that [you were/your partner was] associated with.
(EXPLAIN IF NECESSARY - mortgage and rent arrears are dealt with elsewhere)
1. Yes 2. No
3. Don’t know 4. Refused
A2debt. [ASK IF A1debt = 1]
SHOWCARD (PINK) I
Thinking of the most recent (second most recent) problem or dispute, excluding business-related problems, which of these best describes it? MULTICODE
1. Being behind with and unable to pay (a) Credit or store cards
(b) Personal loans (including Home Collected Credit and Logbook loans, but excluding mortgages)
(c) Hire Purchase or on-credit purchases
(d) Utility bills (e.g. water, electricity, gas, phone, internet) (e) TV licence
(f) Council tax, income tax or VAT (g) Court fines
2. Severe difficulties managing to pay money you owe(d) (including money owed to family or friends)
3. Unreasonable harassment from people or organisations to whom you owe(d) money
A3debt1 [ASK IF A2debt = 1(a)-(g)]
SHOWCARD (PINK) J
As a result of this problem, did any of the following things happen? MULTICODE
1. Took out a consolidating loan 2. Agreed a debt repayment plan
3. Entered into an Individual Voluntary Agreement 4. Obtained a Debt Relief Order
5. Became personally bankrupt
6. Had County court judgment against you
7. Had any other Court Order made against [you/your partner]
8. Had Bailiffs or Debt Collectors take (or attempt to take) any property from you / your household
9. No, none of these 10. Don’t know
A3debt2 [ASK IF A2debt = 1b]
And can I just ask whether, at the time of taking the personal loan, [you were/your partner was] in a position to repay it?
136 1. Yes
2. No
3. Don’t know 4. Refused
L10debt [ASK IF A1DEBT = 1]
SHOWCARD (PINK) A
Which of these descriptions best indicates how [you/your partner] went about sorting out the problem?
SINGLE CODE
1. Did nothing
2. Entirely on my own
3. With the help of family/friends
4. With the help of an adviser/representative
5. With the help of family/friends and an adviser/representative 6. Family/friends sorted out (or are sorting out) the problem for me 7. Adviser/representative sorted out (or is sorting out) the problem for me 8. Friends/family and a adviser/representative sorted out (or are sorting
out) the problem for me 9. Don’t know
L46debt [ASK IF A1DEBT = 1]
SEVERITY SCALE SHOWCARD
Thinking about the [problem descriptor] as a whole – and looking at this scale, where the top of the bar represents the most serious type of problem you could face and the bottom represents the least serious – please mark where on the scale you would place the [problem descriptor].
Two problems are already placed on the scale as reference points. You can put the mark anywhere on the line, including above or below the problems already on the card.
PROMPT IF ONE OR MORE PROBLEMS ALREADY MARKED You may move problems you have already marked on the scale if you want to.
INTERVIEWER, PLEASE ENSURE THE SHOWCARD IS MARKED CLEARLY WITH [problem descriptor] WRITTEN NEXT TO THE SCALE.
L62debt [ASK IF A1DEBT = 1 and another problem identified]
And was the [problem descriptor] linked to any other problem that you have already told me about?
IF YES, WHICH ONES
1. Consumer 1 – problem descriptor 2. Consumer 2 – problem descriptor 3. Employment 1 – problem descriptor 4. Employment 2 – problem descriptor 5. Neighbours 1 - etc 6. Neighbours 2 7. Owned housing 1 8. Owned housing 2 9. Rented housing 1 10. Rented housing 2 11. Money 1 12. Money 2 13. Debt 1 14. Debt 2 15. Education 1
16. Education 2 17. Personal injury 1 18. Personal injury 2 19. Clinical negligence 1 20. Clinical negligence 2 21. Divorce/relationship 1-1 22. Divorce/relationship 1-2 23. Divorce/relationship 2-1 24. Divorce/relationship 2-2 25. Violence 1 26. Violence 2 27. Care 1 28. Care 2
[RETURN ONCE TO A1debt] (ONCE TWO LOOPS COMPLETED)
L63debt [ASK IF A1debt = 1]
SHOWCARD (PINK) I
I won’t be asking you for any more details, but [have you/has your partner] experienced any other problems, apart from the one(s) you have told me about, of this description since (18 months).
1. Yes 2. No
3. Don’t know 4. Refused
L64debt [ASK IF L63debt = 1]
How many other problems or disputes of the kind shown on this card [have you/has your partner] had since (18 months), excluding the two you have just told me about?
OPEN NUMERIC 1. Don’t know
138 MONEY
A1mon SHOWCARD (PINK) H
Next, problems or disputes to do with MONEY.
[IF PROBLEM IDENTIFIED: Excluding anything you’ve already told me about], [have you/has your partner] had any (other) problems or disputes of the type shown on this card since [18 months]? Please don’t include problems related to a business that [you were/your partner was] associated with.
1. Yes 2. No
3. Don’t know 4. Refused
A2mon [ASK IF A1mon = 1]
SHOWCARD (PINK) H
Thinking of the most recent (second most recent) problem or dispute, excluding business-related problems, which of these best describes it?
MULTICODE
Difficulty obtaining money
1. Getting someone to pay money that they owe [you/your partner] 2. Insurance companies unfairly rejecting claims
3. Incorrect information about you leading to a refusal of credit
4. Disagreement over the content of a will or the division of property after the death of a family member
Poor financial advice/financial management
5. Being given incorrect information or advice that led you to buy insurance, pensions, mortgages or other financial products
6. Mismanagement of a pension fund to which [you/your partner] contributed resulting in financial loss
7. Mismanagement by an investment manager (of an investment other than a pension) resulting in financial loss
Other
8. Incorrect or disputed (large) bills, excluding rent/mortgage payments 9. Incorrect tax assessment, including council tax
10. Repeated incorrect/excessive charges by banks or utilities
L10mon [ASK IF A1mon = 1]
SHOWCARD (PINK) A
Which of these descriptions best indicates how [you/your partner] went about sorting out the problem?
SINGLE CODE
1. Did nothing
2. Entirely on my own
3. With the help of family/friends
4. With the help of an adviser/representative
5. With the help of family/friends and an adviser/representative 6. Family/friends sorted out (or are sorting out) the problem for me 7. Adviser/representative sorted out (or is sorting out) the problem for me 8. Friends/family and a adviser/representative sorted out (or are sorting
out) the problem for me 9. Don’t know
L46mon [ASK IF A1mon = 1]
SEVERITY SCALE SHOWCARD
Thinking about the [problem descriptor] as a whole – and looking at this scale, where the top of the bar represents the most serious type of problem you could face and the bottom represents the least serious – please mark where on the scale you would place the [problem descriptor].
Two problems are already placed on the scale as reference points. You can put the mark anywhere on the line, including above or below the problems already on the card.
PROMPT IF ONE OR MORE PROBLEMS ALREADY MARKED You may move problems you have already marked on the scale if you want to.
INTERVIEWER, PLEASE ENSURE THE SHOWCARD IS MARKED CLEARLY WITH [problem descriptor] WRITTEN NEXT TO THE SCALE.
L62mon [ASK IF A1mon = 1 and another problem identified]
And was the [problem descriptor] linked to any other problem that you have already told me about?
IF YES, WHICH ONES
1. Consumer 1 – problem descriptor 2. Consumer 2 – problem descriptor 3. Employment 1 – problem descriptor 4. Employment 2 – problem descriptor 5. Neighbours 1 – etc 6. Neighbours 2 7. Owned housing 1 8. Owned housing 2 9. Rented housing 1 10. Rented housing 2 11. Money 1 12. Money 2 13. Debt 1 14. Debt 2 15. Education 1 16. Education 2 17. Personal injury 1 18. Personal injury 2 19. Clinical negligence 1 20. Clinical negligence 2 21. Divorce/relationship 1-1 22. Divorce/relationship 1-2 23. Divorce/relationship 2-1 24. Divorce/relationship 2-2 25. Violence 1 26. Violence 2 27. Care 1 28. Care 2
[RETURN ONCE TO A1mon] (ONCE TWO LOOPS COMPLETED)
L63mon [ASK IF A1mon = 1]
140 I won’t be asking you for any more details, but [have you/has your partner] experienced any other problems, apart from the one(s) you have told me about, of this description since (18 months).
1. Yes 2. No
3. Don’t know 4. Refused
L64mon [ASK IF L63mon = 1]
How many other problems or disputes of the kind shown on this card [have you/has your partner] had since (18 months), excluding the two you have just told me about?
OPEN NUMERIC 1. Don’t know