People who have a range of needs including homelessness and mental health and substance use problems, and are involved with the criminal justice system, often live at the margins of our society. This research aimed to examine this group’s abilities to access financial services, their financial management skills and the interplay between key life events, mental health and offending.
The bulk of research was conducted through in-depth, semi-structured interviews with service users recruited through two partner organisations: St Mungos and P3. The report provides a policy and literature review. The research methodology is then described, the research findings discussed, and an analysis of their implications for adults with multiple needs provided.
The report makes recommendations to improve financial inclusion of this group. Illustrative case studies are included throughout the report.