Vulnerable Consumer Groups: OFFICE OF FAIR TRADING RESEARCH PAPERS I Market definition in UK competition policy by National Economic Research Association - Februarv 1992 2 Barriers to entry and exit in UK competition policy by London Economics - March 1994 3 Packaged mortgages results of consumer surveys carried out by Research Surveys of Great Britain - June 1994 4 Consumers' appreciation of 'Annual Percentage Rates' results of a survey carried out by Taylor Nelson - June 1994 5 Predatory behaviour in UK competition policy - by Geoffrey Myers - November 1994 6 Underwriting of rights issues: a study of the returns earned by sub-underwriters from UK' rights issues by Paul Marsh _ November 1994 7 Transparency and liquidity: a study of large trades on the London Stock Exchange under different publication rules by Gordon Gemmill - November 1994 8 Gambling, competitions and prize draws results of a survey carried out by Taylor Nelson AGB - September 1996 9 Consumer dissatisfaction results of a survey carried out by Taylor Nelson AGB - November 1996 10 The assessment of profitability by competition authorities by Martin Graham and Anthony Steele - February 1997 11 Consumer detriment under conditions of imperfect information by London Economics - August 1997 12 Vertical restraints and competition policy by Paul Dobson and Michael Waterson - December 1996 13 Competition in retailing by London Economics - September 1997 14 The effectiveness of undertakings in the bus industry by National Economic Research Associates - December 1997 Copies of these papers are available, free of charge, from: Office of Fair Trading, PO Box 366, Hayes UB3 IXB Tel: 0870 60 60 321. Fax: 0870 60 70 3,1. e-mail: oft@echristian.co.uk 1 Overview 1. I Introduction 1.2 Summary of findings 1.3 The vulnerable groups 1.4 The overlaps 2 The relationship between income and the other vulnerable groups 2 1 Low income 2.2 Index tables 3 Analysis of characteristics within each vulnerable group 3.1 Elderly people 3.2 Young people 3.3 The unemployed and those with no formal educational qualifications 3.4 Members of ethnic minorities 3.5 Those with a limiting, longstanding illness 3.6 Those in low income households, and the income distribution 4 Other groups which may be vulnerable 4 1 Households without telephones or cars 4 2 Households with certain tenure and accommodation types Appendices A: Measurement of income B: Glossary of terms used C: Bibliography ID: 17359 Author(s): Burden, Ramil Publication date: 04/01/98

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