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Trends and Performance Analysis of Client Debt and Surplus Management

This report presents an in-depth analysis of recent trends and performance metrics related to client debt management and financial surpluses. It highlights the average surplus for new clients, noting a concerning levelling at 10%-15% below pre-July 2007 levels. Clients are increasingly seeking assistance earlier in the debt accumulation process, with the average theoretical repayment time exceeding 10 years. The client demographic is shifting to more affluent segments, with a rising percentage holding mortgages and secured debts. Additionally, recent base rate reductions have positively affected client surplus assessments.

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Trends and Performance Analysis of Client Debt and Surplus Management

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  1. MI – Payplan Portfolio trends & performanceSimon HarrisonBusiness Analyst Confidential & Proprietary

  2. Simon Harrison Average Surplus For New Client Contact Confidential & Proprietary

  3. Simon Harrison Average Surpluses – Signs of levelling of at 10%-15% below pre July 2007 Levels Confidential & Proprietary

  4. Simon Harrison Clients are seeking help earlier in the Debt Accumulation Process Confidential & Proprietary

  5. Simon Harrison Average theoretical time to repay debts through an informal arrangement is now consistently over 10 years Confidential & Proprietary

  6. Simon Harrison Client base continues to move to more affluent demographic Confidential & Proprietary

  7. Simon Harrison We continue to see an increase in the percentage of clients who have mortgages Confidential & Proprietary

  8. Simon Harrison Average Secured Debt for all new clients continues to rise Confidential & Proprietary

  9. Simon Harrison The reduction in base rate is being evidenced in our profiling – current clients who have benefited are being re-assessed to increase surplus Confidential & Proprietary

  10. Simon Harrison Client Profiling – “Before and After initial impact of economic crisis” Confidential & Proprietary

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