Report 03
Joint accounts, joint debts, single control
How lenders treat the abuser's debt as the survivor's problem — and what a statutory duty of inquiry would change for the person who never chose the borrowing.
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Get help nowAn independent inquiry into the system
Nobody asked who was being controlled.
silent no more
Coerced UK is an independent research organisation. We examine how banks, police and courts fail to ask about coercive and controlling abuse — and we publish what that failure costs the people living inside it. More about us
Latest findings
Evidence first. Pattern over anecdote. Every finding is a document you can read, challenge and cite — not a campaign slogan.
Report 03
How lenders treat the abuser's debt as the survivor's problem — and what a statutory duty of inquiry would change for the person who never chose the borrowing.
Analysis 01
A review of domestic-abuse records finds no financial-coercion screening in most cases filed. The form records the incident. It does not record the control.
The omissions
This is not a list of crimes. It is a list of questions that were never put on the form — and the people those missing questions left unprotected.
01
Lenders assess the joint account's creditworthiness. Nobody asks who controls it.
Survivors are pursued for debts coerced by their abuser, with no duty of inquiry on the lender.
02
Risk assessments record injuries and incidents. Financial control is not a question on the form.
Economic abuse stays invisible to policing, so it rarely reaches a protection order or a charge.
03
Enforcement assumes the signatory is the borrower. Coercion is not a defence the court solicits.
The system that should protect survivors ends up collecting the abuser's debt from them.
1 in 5
women in the UK report economic abuse by a partner or ex-partner
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1 in 3
case files reviewed contained coerced debt; none triggered a vulnerability flag
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0
convictions citing financial coercion alone, 2015–2025 (indicative)
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All figures above are placeholders. Every number published on this site will carry a confirmed source. We will not cite a statistic we cannot stand behind.
Survivor voices
Nobody ever asked me whether I was being controlled. They asked whether I could afford to leave.
Survivor, 34 — attribution policy to be agreed (placeholder)
He signed the loans. I paid the letters.
Survivor (placeholder)
The first person who asked was the debt collector.
Survivor (placeholder)
Share your story
Your account is evidence. It is also yours. Read this first, then decide whether — and how — you want to write.
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About us
We are not a helpline and we are not a campaign slogan. We are a research organisation that treats survivor testimony as evidence and institutional silence as a finding.
A UK non-profit examining systemic failures in supporting people subjected to coercive and controlling abuse. We work with survivors, researchers and institutions — and we publish what we find, including when the finding is that nobody asked.
We gather published evidence, Freedom of Information responses and first-hand accounts, then cross-check before publication. AI tools are used only for transcription and anonymisation — never for analysis or conclusions.
Our sample is self-selected, so findings show patterns rather than prevalence. Every number on this site carries a source. Where a figure is not yet confirmed, we say so in plain language.
Support
If you need help more than evidence, start here. These organisations exist to support you. We list them because this work should never trap anyone on the page.
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Contact
Press, policy and funding each have a named route. Survivor stories do not go through this form — they go through Share your story, where safety comes first.