Introduction
The consumer credit market delivered a subdued performance in 2005. After more than a decade of growth this sector stalled in 2005, recording a marginal fall in gross advances. Moreover, to add to their woes, lenders are facing a number of other serious issues. So, what lies ahead for unsecured lenders? Datamonitor's UK Personal Lending 2006 report provides the answers.

Scope
Covers unsecured personal loans, credit cards, overdrafts, motor finance and retail finance in the UK. Focus is on unsecured personal loans
Provides forecasts under 3 different scenarios for the consumer credit market as a whole as well as for individual product lines
Gives market share figures as at H1 2005 for leading personal loan providers and examines the latest competitor developments shaping the market
Focuses on a number of hot issues in the unsecured lending market, such as rising bad debts and increased regulatory scrutiny into the PPI sector
Highlights
A better marketplace means that consumers will be more informed about PPI policies available in the market and how much they cost. While the FSA has no power on prices charged by players, lenders who are willing to review their PPI costs downward are more likely to benefit and many will probably have to do so in order to remain competitive.

Difficult market conditions have resulted in a number of leading financiers exiting the market in recent years. In 2003, Abbey sensationally left the motor finance market. In early 2005, due to low returns from their motor finance business, Singer & Friedlander exited the sector by selling its outstanding loan portfolio to Close Brothers.

Various indicators have highlighted a rise in the level of consumer indebtedness in 2005, which, in turn, has negatively impacted on bad debt levels. These indicators suggest that lenders may bear higher impairment losses in the near future as consumers struggle with their repayments, although such losses are not expected to be of dramatic level.

Reasons to Purchase
Gain access to the latest market sizing and forecasting data for the consumer credit market to place your performance in context to the market's
Gain insight into how your competitors are responding to the various issues facing the unsecured lending sector
Receive updated market share data to tell you how your company compares to your closest rivals

Introduction
The consumer credit market delivered a subdued performance in 2005. After more than a decade of growth this sector stalled in 2005, recording a marginal fall in gross advances. Moreover, to add to their woes, lenders are facing a number of other serious issues. So, what lies ahead for unsecured lenders? Datamonitor's UK Personal Lending 2006 report provides the answers.

Scope
Covers unsecured personal loans, credit cards, overdrafts, motor finance and retail finance in the UK. Focus is on unsecured personal loans
Provides forecasts under 3 different scenarios for the consumer credit market as a whole as well as for individual product lines
Gives market share figures as at H1 2005 for leading personal loan providers and examines the latest competitor developments shaping the market
Focuses on a number of hot issues in the unsecured lending market, such as rising bad debts and increased regulatory scrutiny into the PPI sector
Highlights
A better marketplace means that consumers will be more informed about PPI policies available in the market and how much they cost. While the FSA has no power on prices charged by players, lenders who are willing to review their PPI costs downward are more likely to benefit and many will probably have to do so in order to remain competitive.

Difficult market conditions have resulted in a number of leading financiers exiting the market in recent years. In 2003, Abbey sensationally left the motor finance market. In early 2005, due to low returns from their motor finance business, Singer & Friedlander exited the sector by selling its outstanding loan portfolio to Close Brothers.

Various indicators have highlighted a rise in the level of consumer indebtedness in 2005, which, in turn, has negatively impacted on bad debt levels. These indicators suggest that lenders may bear higher impairment losses in the near future as consumers struggle with their repayments, although such losses are not expected to be of dramatic level.

Reasons to Purchase
Gain access to the latest market sizing and forecasting data for the consumer credit market to place your performance in context to the market's
Gain insight into how your competitors are responding to the various issues facing the unsecured lending sector
Receive updated market share data to tell you how your company compares to your closest rivals