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References
Accountant in Bankruptcy, 2006, Annual Report and Accounts 2005-06. Accountant in Bankruptcy, Kilwinning.
ATM Working Group, 2006, Cash Machines - meeting consumer needs, December 2006
Citizens Advice, 2006, Out of Pocket - CAB evidence on the impact of fee-charging cash machines, July 2006
Department of Work and Pensions, 2004, Family Resources Survey (2004) Chapter 5: Assets and Savings, Department of Work and Pensions
Everitt, Vernon, 2006, Director, Retail Themes, FSA Savings Market Conference 9 th November.
Financial Services Authority, 2006, Levels of financial capability in the UK: results of a baseline survey, London, March.
Financial Services Authority, 2007, Press Notice, 042, 28 March.
Hayton, K., Gray. L. and Stirling K., 2005, Scottish Credit Unions - Meeting Members Demands and Needs, Scottish Executive Social Research.
HM Treasury, 1999, Access to Financial Services, Report of the Policy Action Team, HM Treasury, London, November.
HM Treasury, 2004a, Child Poverty Review, HM Treasury, London, July.
HM Treasury, 2004b, Promoting Financial Inclusion, HM Treasury, London, December.
H.M Treasury, 2007, Financial Inclusion the Way Forward, HM Treasury, London, March.
HM Treasury, 2007, Financial Capability: the Government's Long-Term Approach, HM Treasury London, January.
Joseph Rowntree Foundation, 2005. Monitoring Poverty and Social Exclusion, Joseph Rowntree Foundation
Kempson E,. Whyley C.,1999, Kept out or opted out? Understanding and Combating Financial Exclusion, The Policy Press.
http://www.pfrc.bris.ac.uk/Reports/Kept_out_opted_out.pdf
Kempson E. and Whyley C., 2000, Banks and Micro Lending: Support, Cooperation and Learning, University of Bristol Personal Finance Research Centre in co-operation with the institute for Financial Services.
Kempson. E., Atkinson. A. and Pilley. O., 2004, Policy Level Response to Financial Exclusion in Developed Economies: Lessons for Developing Economies, The Personal Finance Research Centre prepared for the Department of International Development.
LINK Statistics online at www.LINK.co.uk
Lyon, N., Barnes, M. and Sweiry, D., 2006, Families with Children in Britain: Findings from the 2004 Families and Children Study, Department of Work and Pensions, Research Report No. 340.
McCormick, J., Chapman, M. and Elrick, D., 2005, Thrifty Scots? Steps to improve financial literacy. Scottish Council Foundation.
National Consumer Council, ( NCC), 2005, Affordable Credit: A model that recognises real needs, National Consumer Council
Personal Finance Research Centre, 2007, Evaluation of the illegal money lending pilots, Department of Trade and Industry, London, February.
Scottish Executive, 2003, A partnership for a better Scotland, Edinburgh, May.
Scottish Executive, 2005, Financial Inclusion Action Plan, Edinburgh, January.
Sinclair, P, S., 2001, Financial Exclusion: An Introductory Survey. Centre for Research in Socially Inclusive Services ( CRISIS), Heriot-Watt University, Edinburgh.
Social Exclusion Unit, 1998, Bringing Britain Together: A Strategy for Neighbourhood Renewal, London, September
Small Change Partnership, 2006, Financial Exclusion Baseline and Mapping, South East Economic Development Agency ( SEEDA).
http://www.seeda.co.uk/publications/social_inclusion/docs/SCRP-DemandReport.pdf
The House of Commons Treasury Select Committee, 2006, Banking, the Unbanked, Banking Service, the Post Office Account Card and Financial Inclusion, The House of Commons, London, November.
The House of Commons Treasury Select Committee, 2006, Financial Inclusion: Credit, savings, advice and insurance, House of Commons, London, November.
The Retirement Commission, 2002, The Net Worth of New Zealanders. A Report on their Assets and Debts, Wellington.
The Scotsman, 2006, Poorest areas get free ATMs, Edinburgh, 14 December .
The Treasury Select Committee, 2005, Cash Machine Charges, The House of Commons, London, March.
The Treasury Select Committee, 2006, Banking, the Unbanked, Banking Service, the Post Office Account Card and Financial Inclusion, London.
TNS Social and MORI Scotland, 2005, Scotland's People Annual Report: Results from the 2003/04 Scottish Household Survey, Scottish Executive
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