Camila Azevedo
@c-azevedo.bsky.social
Politics | philosophy | science
Head of External Affairs at Fair By Design - views my own
Head of External Affairs at Fair By Design - views my own
Reposted by Camila Azevedo
Initial thoughts on the #Budget’s impact on the poverty premium 🧵🧵🧵
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
November 26, 2025 at 4:23 PM
Initial thoughts on the #Budget’s impact on the poverty premium 🧵🧵🧵
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
There are positives on energy bills support and removing the two-child benefit cap, but much more must be done to lift people out of poverty and reduce low-income households’ bills.
New Insurance Post piece written by @fairbydesign.bsky.social Director Rebecca Deegan is out today.
We've been working behind the scenes to develop our thinking on the poverty premium in car insurance - more to come soon...
We've been working behind the scenes to develop our thinking on the poverty premium in car insurance - more to come soon...
Our Director Rebecca Deegan writes on Insurance Post today:
People who pay for car insurance monthly are too often charged more than it costs an insurer to service this method of payment.
Decisive action has been too slow.
www.postonline.co.uk/personal/795...
People who pay for car insurance monthly are too often charged more than it costs an insurer to service this method of payment.
Decisive action has been too slow.
www.postonline.co.uk/personal/795...
July 16, 2025 at 2:22 PM
New Insurance Post piece written by @fairbydesign.bsky.social Director Rebecca Deegan is out today.
We've been working behind the scenes to develop our thinking on the poverty premium in car insurance - more to come soon...
We've been working behind the scenes to develop our thinking on the poverty premium in car insurance - more to come soon...
Reposted by Camila Azevedo
New Financial Services Growth & Competitiveness Strategy reiterates Treasury's intention to review regulators' 'have regards'.
We call on Treasury to maintain the FCA's 'have regard' to financial inclusion so that consumer protection remains an important cornerstone of growth.
tinyurl.com/ye2523hf
We call on Treasury to maintain the FCA's 'have regard' to financial inclusion so that consumer protection remains an important cornerstone of growth.
tinyurl.com/ye2523hf
Leeds Reforms to rewire financial system, boost investment and create skilled jobs across UK
Red tape cut and savers supported to invest as Chancellor rewires financial system to boost growth
tinyurl.com
July 15, 2025 at 1:29 PM
New Financial Services Growth & Competitiveness Strategy reiterates Treasury's intention to review regulators' 'have regards'.
We call on Treasury to maintain the FCA's 'have regard' to financial inclusion so that consumer protection remains an important cornerstone of growth.
tinyurl.com/ye2523hf
We call on Treasury to maintain the FCA's 'have regard' to financial inclusion so that consumer protection remains an important cornerstone of growth.
tinyurl.com/ye2523hf
Reposted by Camila Azevedo
“That creates a poverty premium where people are having to pay higher prices, sometimes for basic goods”
Really good to see Meg Hillier mention the poverty premium as part of the TSC's scrutiny of the Government’s financial inclusion strategy.
www.heraldscotland.com/news/2529128...
Really good to see Meg Hillier mention the poverty premium as part of the TSC's scrutiny of the Government’s financial inclusion strategy.
www.heraldscotland.com/news/2529128...
‘It’s not a problem until it is’: MPs hear how poverty premium is hitting Glasgow
Treasury Committee members visit Glasgow to hear how the ‘poverty premium’ and decline of cash acceptance is affecting low-income communities.
www.heraldscotland.com
July 8, 2025 at 3:27 PM
“That creates a poverty premium where people are having to pay higher prices, sometimes for basic goods”
Really good to see Meg Hillier mention the poverty premium as part of the TSC's scrutiny of the Government’s financial inclusion strategy.
www.heraldscotland.com/news/2529128...
Really good to see Meg Hillier mention the poverty premium as part of the TSC's scrutiny of the Government’s financial inclusion strategy.
www.heraldscotland.com/news/2529128...
It was great to be in Parliament again this week, to watch @mariacbooker.bsky.social give evidence to the Energy Select Committee's inquiry on support for the transition to net zero.
We talked about inclusive design as an important tool to ensure people on low incomes are included in policy making
We talked about inclusive design as an important tool to ensure people on low incomes are included in policy making
Yesterday, our Head of Policy, @mariacbooker.bsky.social, gave evidence to the Energy Security and Net Zero Committee’s inquiry on 'Building support for the energy transition.'
🎥 Watch Maria's contributions to the session here
www.youtube.com/watch?v=--0Z...
🎥 Watch Maria's contributions to the session here
www.youtube.com/watch?v=--0Z...
We give evidence on building support for the energy transition at the ESNZ Committee
YouTube video by Fair By Design
www.youtube.com
July 4, 2025 at 11:09 AM
It was great to be in Parliament again this week, to watch @mariacbooker.bsky.social give evidence to the Energy Select Committee's inquiry on support for the transition to net zero.
We talked about inclusive design as an important tool to ensure people on low incomes are included in policy making
We talked about inclusive design as an important tool to ensure people on low incomes are included in policy making
Reposted by Camila Azevedo
A huge thanks to the lived experience expert speakers who shared their stories yesterday at our event on affordable credit and financial inclusion.
It’s vital that these voices help shape policy and the design of financial services.
It’s vital that these voices help shape policy and the design of financial services.
June 18, 2025 at 11:36 AM
A huge thanks to the lived experience expert speakers who shared their stories yesterday at our event on affordable credit and financial inclusion.
It’s vital that these voices help shape policy and the design of financial services.
It’s vital that these voices help shape policy and the design of financial services.
Reposted by Camila Azevedo
We are very pleased with the Government's commitment to fully fund the Warm Homes Plan.
This is a good step towards making homes more energy efficient and reduce bills.
Now, the Government needs to support all those in fuel poverty and introduce a social tariff.
This is a good step towards making homes more energy efficient and reduce bills.
Now, the Government needs to support all those in fuel poverty and introduce a social tariff.
Today’s £13.2bn Warm Homes Plan is a huge step forward and other progress has been made:
[1/4]
[1/4]
June 11, 2025 at 3:24 PM
We are very pleased with the Government's commitment to fully fund the Warm Homes Plan.
This is a good step towards making homes more energy efficient and reduce bills.
Now, the Government needs to support all those in fuel poverty and introduce a social tariff.
This is a good step towards making homes more energy efficient and reduce bills.
Now, the Government needs to support all those in fuel poverty and introduce a social tariff.
Reposted by Camila Azevedo
Can local No Interest Loan Schemes (NILS) help low-income households to weather financial bumps in the road? A case study from County Durham.
Read our latest case study on how NILS is helping people get back on their feet.
fairbydesign.com/we-launch-ne...
Read our latest case study on how NILS is helping people get back on their feet.
fairbydesign.com/we-launch-ne...
We launch new case study on local No Interest Loan Schemes in the North East
Today we are publishing a new case study showing how local No Interest Loan Schemes (NILS) are successfully helping people avoid paying the poverty premium.
fairbydesign.com
June 3, 2025 at 9:06 AM
Can local No Interest Loan Schemes (NILS) help low-income households to weather financial bumps in the road? A case study from County Durham.
Read our latest case study on how NILS is helping people get back on their feet.
fairbydesign.com/we-launch-ne...
Read our latest case study on how NILS is helping people get back on their feet.
fairbydesign.com/we-launch-ne...
"The key question is not whether fairness depends on growth, but what kind of growth can sustain a fairer society. This requires moving beyond reflexive calls for deregulation on the right, as well as resisting degrowth proposals from parts of the left."
Is growth a precondition for fairness? Jack Jeffrey argues that we need to rethink growth rather than seeing it as a necessary first step in building a fairer society and economy
Is growth a precondition for fairness?
Jack Jeffrey argues that we need to rethink growth rather than seeing it as a necessary first step in building a fairer society and economy
www.faircomment.co.uk
June 2, 2025 at 5:04 PM
"The key question is not whether fairness depends on growth, but what kind of growth can sustain a fairer society. This requires moving beyond reflexive calls for deregulation on the right, as well as resisting degrowth proposals from parts of the left."
After today’s price cap kicks in, the standard credit premium will be £135/year.
This is the extra charge for paying for energy when you get a bill instead of using direct debit.
Many people on low incomes don't know they're paying extra, or think this charge is smaller than it actually is.
This is the extra charge for paying for energy when you get a bill instead of using direct debit.
Many people on low incomes don't know they're paying extra, or think this charge is smaller than it actually is.
As Ofgem announces the energy price cap, we’ve asked people on low incomes if they know they're charged more to pay with a bill rather than direct debit.
Over half of people don’t know, and one thing is clear: they don't think this extra charge is fair.
fairbydesign.com/blog-standar...
Over half of people don’t know, and one thing is clear: they don't think this extra charge is fair.
fairbydesign.com/blog-standar...
Paying the Price: Low-income households still paying more for energy through standard credit – and most don’t know it
After today’s price cap kicks in, the standard credit premium will be £135 per year.
fairbydesign.com
May 23, 2025 at 11:28 AM
After today’s price cap kicks in, the standard credit premium will be £135/year.
This is the extra charge for paying for energy when you get a bill instead of using direct debit.
Many people on low incomes don't know they're paying extra, or think this charge is smaller than it actually is.
This is the extra charge for paying for energy when you get a bill instead of using direct debit.
Many people on low incomes don't know they're paying extra, or think this charge is smaller than it actually is.
Reposted by Camila Azevedo
🧵 As Ofgem announces the new energy price cap, some low-income households will still pay £135 more a year – just because they pay after getting their bill.
BREAKING | Ofgem confirms energy bills are set to fall by £129 under latest price cap
Ofgem confirms energy bills are set to fall by £129 under latest price cap
It comes after US president Donald Trump's aggressive tariff plans led to a significant slump in gas and oil prices
www.independent.co.uk
May 23, 2025 at 8:11 AM
🧵 As Ofgem announces the new energy price cap, some low-income households will still pay £135 more a year – just because they pay after getting their bill.
Reposted by Camila Azevedo
Big thanks to Responsible Finance for featuring our Give Me Some Credit exhibition at the launch of their report: Soaring to new heights.
We support growing purpose-driven financial sector so everyone can access affordable credit – especially those shut out by mainstream lenders.
We support growing purpose-driven financial sector so everyone can access affordable credit – especially those shut out by mainstream lenders.
May 19, 2025 at 5:37 PM
Big thanks to Responsible Finance for featuring our Give Me Some Credit exhibition at the launch of their report: Soaring to new heights.
We support growing purpose-driven financial sector so everyone can access affordable credit – especially those shut out by mainstream lenders.
We support growing purpose-driven financial sector so everyone can access affordable credit – especially those shut out by mainstream lenders.
Reposted by Camila Azevedo
Great to see 77 MPs back Danny Beales MP call for action against insurance companies charging excessive rates to customers who pay for car and home insurance monthly.
May 20, 2025 at 11:15 AM
Great to see 77 MPs back Danny Beales MP call for action against insurance companies charging excessive rates to customers who pay for car and home insurance monthly.
Reposted by Camila Azevedo
Today the FCA has released their financial lives survey. The survey is a benchmark for the state of the nation's finances, with nearly 18,000 people surveyed.
Here are the thoughts of our Director, Rebecca Deegan.
Full response fairbydesign.com/we-respond-t...
Here are the thoughts of our Director, Rebecca Deegan.
Full response fairbydesign.com/we-respond-t...
May 16, 2025 at 11:06 AM
Today the FCA has released their financial lives survey. The survey is a benchmark for the state of the nation's finances, with nearly 18,000 people surveyed.
Here are the thoughts of our Director, Rebecca Deegan.
Full response fairbydesign.com/we-respond-t...
Here are the thoughts of our Director, Rebecca Deegan.
Full response fairbydesign.com/we-respond-t...
It was a pleasure to be in Mansfield visiting @steveyemm-mp.bsky.social MP to discuss how we can reduce the poverty premium in his constituency.
The poverty premium costs Mansfield roughly over £6 million each year.
It's time to put that money back into the local economy.
The poverty premium costs Mansfield roughly over £6 million each year.
It's time to put that money back into the local economy.
May 14, 2025 at 4:46 PM
It was a pleasure to be in Mansfield visiting @steveyemm-mp.bsky.social MP to discuss how we can reduce the poverty premium in his constituency.
The poverty premium costs Mansfield roughly over £6 million each year.
It's time to put that money back into the local economy.
The poverty premium costs Mansfield roughly over £6 million each year.
It's time to put that money back into the local economy.
This week @bigissue.com writes up on one of our key projects, Give Me Some Credit.
People on low incomes were given cameras to shoot the realities of living without access to affordable credit.
See the result below 👇
People on low incomes were given cameras to shoot the realities of living without access to affordable credit.
See the result below 👇
Our Give Me Some Credit project with @povertyalliance.org has been featured in @bigissue.com this week.
The story highlights the real-life impact of being excluded from affordable credit – through the eyes of people living it every day.
www.bigissue.com/life/money/l...
The story highlights the real-life impact of being excluded from affordable credit – through the eyes of people living it every day.
www.bigissue.com/life/money/l...
I got a loan to help me pay for my dad's funeral. It sent me spiralling into debt
The Poverty Alliance and Fair By Design gave cameras to 15 people on low incomes to show what being refused credit or a loan meant for them.
www.bigissue.com
May 6, 2025 at 9:18 AM
This week @bigissue.com writes up on one of our key projects, Give Me Some Credit.
People on low incomes were given cameras to shoot the realities of living without access to affordable credit.
See the result below 👇
People on low incomes were given cameras to shoot the realities of living without access to affordable credit.
See the result below 👇
As the Government looks to reform the energy market and support the transition to net zero, at Fair By Design we think there is an opportunity to design a system that works for everyone, especially those on low incomes.
#energytransition
#energytransition
6.1 million UK households are in fuel poverty, and energy debt is rising.
Our new blog looks at how we build a fairer energy market for people on low incomes.
🔗 fairbydesign.com/blog-buildin...
Our new blog looks at how we build a fairer energy market for people on low incomes.
🔗 fairbydesign.com/blog-buildin...
Blog: How we build a future energy market that is fair for consumers on low incomes
We outline key principles for a future energy system that is fair to those on low incomes:
fairbydesign.com
April 29, 2025 at 11:25 AM
As the Government looks to reform the energy market and support the transition to net zero, at Fair By Design we think there is an opportunity to design a system that works for everyone, especially those on low incomes.
#energytransition
#energytransition
"This almost uniform deterioration is mirrored in England and Wales and is best explained, he argued, by a single underpinning cause: the austerity cuts to benefits and social services that started in the early 2010s."
The predicted lifespan for men in Barrow Island, Cumbria, mirrors that in war-torn Syria. What happened to the UK’s position as a leader in public health?
How life expectancy in the UK fell into a Soviet-style slump
www.thetimes.com
April 22, 2025 at 9:01 AM
"This almost uniform deterioration is mirrored in England and Wales and is best explained, he argued, by a single underpinning cause: the austerity cuts to benefits and social services that started in the early 2010s."
“A senior government source said that while a deal was “possible” by Wednesday it was unlikely. “He [Trump] loves the theatre of it all so it will probably come some time afterwards,” they said.”
Exactly - theatre
Exactly - theatre
Sir Keir Starmer has admitted that Britain is likely to be hit by President Trump’s global trade tariffs as the US refuses to sign an economic deal that ministers had hoped would secure a carve-out
Trump’s tariffs will hit Britain as US rebuffs ‘carve-out’ deal
www.thetimes.com
April 1, 2025 at 7:05 AM
“A senior government source said that while a deal was “possible” by Wednesday it was unlikely. “He [Trump] loves the theatre of it all so it will probably come some time afterwards,” they said.”
Exactly - theatre
Exactly - theatre
Reposted by Camila Azevedo
Annual DWP figures released today show:
⚫2% fall in real terms median household income between 22/23 and 23/24
⚫Fall in household incomes, esp for bottom 10%
⚫4 million children in material deprivation in 23/24
⚫Income inequality not improving since 2011
⚫2% fall in real terms median household income between 22/23 and 23/24
⚫Fall in household incomes, esp for bottom 10%
⚫4 million children in material deprivation in 23/24
⚫Income inequality not improving since 2011
🔴 BREAKING | Child poverty hits record high in UK with nearly 4.5 million children in low income households
Child poverty hits record high in UK with nearly 4.5 million in low income households
Some 4.45 million children were estimated to be in households in relative low income in the year to March 2024
www.independent.co.uk
March 27, 2025 at 4:35 PM
Annual DWP figures released today show:
⚫2% fall in real terms median household income between 22/23 and 23/24
⚫Fall in household incomes, esp for bottom 10%
⚫4 million children in material deprivation in 23/24
⚫Income inequality not improving since 2011
⚫2% fall in real terms median household income between 22/23 and 23/24
⚫Fall in household incomes, esp for bottom 10%
⚫4 million children in material deprivation in 23/24
⚫Income inequality not improving since 2011
Reposted by Camila Azevedo
New research from @which-uk.bsky.social shows paying monthly for car insurance, rather than in one go, costs more.
No one should have to pay more for essential cover because of how they can afford to pay.
uk.finance.yahoo.com/news/car-hom...
No one should have to pay more for essential cover because of how they can afford to pay.
uk.finance.yahoo.com/news/car-hom...
The car and home insurers charging 'exorbitant' interest rates on monthly payments
Some car and home insurers continue to charge 'exorbitant' interest rates on monthly payments, research by consumer group Which? has found.
uk.finance.yahoo.com
March 19, 2025 at 1:19 PM
New research from @which-uk.bsky.social shows paying monthly for car insurance, rather than in one go, costs more.
No one should have to pay more for essential cover because of how they can afford to pay.
uk.finance.yahoo.com/news/car-hom...
No one should have to pay more for essential cover because of how they can afford to pay.
uk.finance.yahoo.com/news/car-hom...
Reposted by Camila Azevedo
Our new report with @unchecked-uk.bsky.social is out today, alongside an open letter to the PM, calling for a rethink on regulation to deliver growth and opportunity. Online report at fairnessfoundation.com/fair-rules-f... and I'm also in @bigissue.com at www.bigissue.com/opinion/dere...
February 14, 2025 at 1:08 PM
Our new report with @unchecked-uk.bsky.social is out today, alongside an open letter to the PM, calling for a rethink on regulation to deliver growth and opportunity. Online report at fairnessfoundation.com/fair-rules-f... and I'm also in @bigissue.com at www.bigissue.com/opinion/dere...
The poverty premium in essential services is another reason as to why it's more expensive to be poor in the UK.
People in less affluent areas pay almost £314 more a year for car insurance than others living in more affluent areas.
If they pay in monthly installments, they pay up to £384 extra.
People in less affluent areas pay almost £314 more a year for car insurance than others living in more affluent areas.
If they pay in monthly installments, they pay up to £384 extra.
Why is it more expensive to be poor in Britain?
Low-to-middle income households in Britain fare worse than their German. French and Dutch counterparts.
Low-to-middle income households in Britain fare worse than their German. French and Dutch counterparts.
February 12, 2025 at 10:05 AM
The poverty premium in essential services is another reason as to why it's more expensive to be poor in the UK.
People in less affluent areas pay almost £314 more a year for car insurance than others living in more affluent areas.
If they pay in monthly installments, they pay up to £384 extra.
People in less affluent areas pay almost £314 more a year for car insurance than others living in more affluent areas.
If they pay in monthly installments, they pay up to £384 extra.
Yesterday saw the launch of
@fairbydesign.bsky.social ‘Give me some credit’ photo exhibition in collaboration with @povertyalliance.org.
It was brilliant to see a packed room in Parliament and hear directly from people with lived experience who took part in this project.
@fairbydesign.bsky.social ‘Give me some credit’ photo exhibition in collaboration with @povertyalliance.org.
It was brilliant to see a packed room in Parliament and hear directly from people with lived experience who took part in this project.
Brilliant to see Give Me Some Credit: The Reality of Life Without a Safety Net exhibition in Parliament, hosted by the APPG on Fair Banking with Poverty Alliance 🖼️🖼️
February 11, 2025 at 11:59 AM
Yesterday saw the launch of
@fairbydesign.bsky.social ‘Give me some credit’ photo exhibition in collaboration with @povertyalliance.org.
It was brilliant to see a packed room in Parliament and hear directly from people with lived experience who took part in this project.
@fairbydesign.bsky.social ‘Give me some credit’ photo exhibition in collaboration with @povertyalliance.org.
It was brilliant to see a packed room in Parliament and hear directly from people with lived experience who took part in this project.
Reposted by Camila Azevedo
Thought provoking @fairbydesign.bsky.social and @povertyalliance.org photo exhibition in parliament today showcasing how people with lived experience feel about not being able to access #credit. Great to talk to contributors about their images and experience
February 10, 2025 at 9:07 PM
Thought provoking @fairbydesign.bsky.social and @povertyalliance.org photo exhibition in parliament today showcasing how people with lived experience feel about not being able to access #credit. Great to talk to contributors about their images and experience