The Troubled Families Programme (TFP) is a programme in England administered by the Ministry of Housing, Communities and Local Government (MHCLG). The programme conducts targeted interventions for families experiencing multiple problems, including crime, anti-social behaviour, truancy, unemployment, mental health problems and domestic abuse. This briefing examines the TFP since 2012, details MHCLG evaluations of the programme, and describes recent commentary and potential future directions for the programme.
Documents to download
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Endowment Mortgages (220 KB, PDF)
At one time, mid 1980’s to the 1990s, endowment policies used to be by far the most popular mortgage repayment vehicle. Their attraction was that the monthly mortgage cost was little or no higher but that there was a realistic prospect of a large ‘bonus’ over and above what was needed to pay-off the mortgage at the end of its term.
Changing economic conditions and tax law changed this equation substantially against the borrower. Many endowments policies matured well below their target value leaving homeowners with hard decisions to make about what to do.
One route was, encouraged by claims management companies, to seek compensation. Compensation claims for mis-sold endowment mortgages was the first of the mass retail compensation
This Paper is primarily of historical interest.
Documents to download
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Endowment Mortgages (220 KB, PDF)
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