Introduction
The non-standard consumer credit market experienced a number of challenges over 2005, as the economy slowed and a number of bad debt indicators crept up. Moreover, the industry continues to face a barrage of regulatory and media attention. So, what does the future hold and how are non-standard lenders adapting to the challenges facing their industry? This report provides the answers.

Scope
Sizes the non-standard motor finance, the home collected credit and the non-standard credit card markets in the UK.
Forecasts each sector to 2010, providing three contrasting scenarios.
Gives insight into the future challenges of each market and how lenders could respond.
Incorporates primary interviews from industry experts and secondary data from a wide range of sources.
Highlights
In 2005, 9.1 million individuals were systematically refused credit by mainstream lenders. However, 2005 was a turning point as a number of factors that had previously contributed to a declining non-standard population changed direction, including unemployment, mortgage arrears and repossessions, and County Court Judgments (CCJs).

The last five years have seen a lackluster performance in the home collected credit market. In particular, the market has not quite yet managed to recover from stagnation in 2003. The future for lenders also looks difficult, with lenders having to cope with additional regulation.

As virtually all mainstream credit card lenders tightened their lending criteria over the course of 2005, more sub-prime applicants were denied a credit card than in previous years. As a result, the sub-prime specialist lenders in the market have benefited from an additional number of potential customers over 2005.

Reasons to Purchase
Understand how the market is changing and where the new opportunities lie.
In-depth analysis of how lenders are coping with a number of issues allowing you to reassess your strategy.
Plan your future business strategy in confidence using Datamonitor's five-year market forecasts.