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Using Insights from Clinical Psychology to Promote Goal Progress in Debtors.

利用临床心理学的见解促进债务人的目标进展。

基本信息

批准号：
ES/K008986/1
负责人：
Ben Harkin
金额：
$ 29.34万
依托单位：
University of Sheffield
依托单位国家：
英国
项目类别：
Research Grant
财政年份：
2013
资助国家：
英国
起止时间：
2013 至无数据
项目状态：
已结题

来源：
https://gtr.ukri.org/projects?ref=ES%2FK008986%2F1
关键词：
Using Insights Clinical Psychology Promote

项目摘要

Despite personal debt being an ever increasing problem within our society the psychological understanding of debt and interventions to the problem remain elusive. The present project provides a novel solution to this problem by using insights from those with Obsessive-Compulsive Disorder, who are known to excessively monitor (e.g., "Did I turn the oven OFF?"), and applying this to debtors who avoid monitoring their financial situation (e.g., Ignoring credit card statements).This research builds upon my recently awarded PhD and 6 peer reviewed papers which examined reasons why those with Obsessive-Compulsive Disorder monitor their thoughts and actions. Simply, I showed that those with OCD have poor attention which results in them looking for things which are not there, i.e., excessive monitoring. Furthermore, in Clinical Psychology Review I showed conclusively that this 'looking for things that are not there' explained a range of experimental findings which up until my paper had been described in the literature as contradictory. Therefore, during this grant I will take my knowledge of monitoring in OCD and apply it to those who avoid monitoring their debt. I will carry out this work in a laboratory setting where I will examine which cognitive factors explain why debtors fail to adequately monitor their debt and then use this information to design an intervention called 'Manage Your Debt Application System' for the mobile phones of debtors. First, with the aid of Her Majesty's Court Services I will recruit debtors and non-debtors from previously identified creditor agencies (utility, Government Department, Local Authority). Second, in a range of novel experiments I will examine how debtors look and interact with debt-related stimuli (e.g., credit card bills) and see how this relates to how they monitor their finances. I predict that the manner in which debtors look and interact with debt-related stimuli will predict how they monitor their debt and how much they are in debt. Third, I will then modify how debtors look and interact with debt-related stimuli and measure how this changes their debt-related behaviours. Fourth, considering that poor personal responsibility likely underlies debtor behaviour I will create a 'Responsibility-Debt' questionnaire to measure this. Then, as increased personal responsibility in OCD results in greater monitoring (e.g., "I am responsible for the house burning down, therefore, I will go monitor the oven!"), I will experimentally increase responsibility in debtors with the aim of increasing their monitoring of debt-related stimuli (e.g., "I am responsible for my debt, so I will open my credit card bills and seek a way to pay them!"). I will then use the data gathered from these experiments and apply it to the design of the MYDAS (Manage Your Debt Application System) mobile phone intervention which will aim to improve how debtors monitor their debt. Thus, MYDAS will aim to change the way in which debtors look and interact with debt-related stimuli and increase their overall degree of responsibility, which in turn will increase financial monitoring, reduce financial debt and improve mental health. In relation to the last point, one of the additional aspects of my proposal that improved financial monitoring and responsibility will result in better health outcomes. In collaboration with Sheffield's Citizens Advice Debt Unit I plan to deploy MYDAS to problematic debtors within their organization and throughout the UK in their 17 associated CAD units. My research will have broad implications for science and society. SCIENCE: By providing an empirical understanding of the thought process of debtors and providing an intervention to change those thought processes key to debt. SOCIETY: By providing new tools to identify problem debtors and interventions (MYDAS) my research will benefit debtors (seek help quicker, reduce debt), creditors (repayment) and debt relief agencies alike.

尽管个人债务在我们的社会中是一个日益严重的问题，但对债务的心理理解和对该问题的干预仍然难以捉摸。目前的项目为这个问题提供了一个新颖的解决方案，通过使用强迫症患者的见解，他们被认为过度监控（例如，“我把烤箱关了吗？”），并将此应用于逃避监控其财务状况的债务人（例如，忽略信用卡对账单）。这项研究建立在我最近获得的博士学位和6篇同行评议的论文的基础上，这些论文研究了强迫症患者监控自己思想和行为的原因。简单地说，我展示了强迫症患者注意力不集中，导致他们寻找不存在的东西，即过度监控。此外，在《临床心理学评论》（Clinical Psychology Review）中，我结论性地指出，这种“寻找不存在的东西”解释了一系列实验发现，而在我的论文之前，这些发现在文献中被描述为相互矛盾的。因此，在这次资助期间，我将把我在强迫症监测方面的知识应用到那些逃避监测债务的人身上。我将在实验室环境中开展这项工作，在那里我将研究哪些认知因素解释了债务人未能充分监控其债务的原因，然后利用这些信息为债务人的手机设计一种名为“管理您的债务申请系统”的干预措施。首先，在女王陛下法院服务部门的帮助下，我将从先前确定的债权人机构（公用事业、政府部门、地方当局）中招募债务人和非债务人。其次，在一系列新颖的实验中，我将研究债务人如何看待和与债务相关的刺激（例如，信用卡账单）的互动，并看看这与他们如何监控自己的财务状况有什么关系。我预测，债务人看待债务相关刺激的方式和与之互动的方式，将预测他们如何监控自己的债务以及他们负债多少。第三，我将修改债务人如何看待和与债务相关的刺激互动，并衡量这如何改变他们的债务相关行为。第四，考虑到个人责任感差可能是债务人行为的基础，我将创建一个“责任-债务”问卷来衡量这一点。然后，随着强迫症中个人责任的增加，导致了更大的监控（例如，“我对房子烧毁负有责任，因此，我要去监控烤箱！”），我将实验性地增加债务人的责任，目的是增加他们对债务相关刺激的监督（例如，“我要对我的债务负责，所以我要打开我的信用卡账单，寻找一种方式来偿还它们！”）。然后，我将使用从这些实验中收集的数据，并将其应用于MYDAS（管理您的债务申请系统）手机干预的设计，该干预旨在改善债务人监控其债务的方式。因此，MYDAS的目标是改变债务人看待与债务有关的刺激和相互作用的方式，并提高他们的总体责任程度，这反过来将增加财务监测，减少金融债务和改善心理健康。关于最后一点，我建议的另一个方面是，改进财务监测和责任将带来更好的健康结果。与谢菲尔德的公民咨询债务单位合作，我计划将MYDAS部署到他们组织内的问题债务人和整个英国的17个相关CAD单位。我的研究将对科学和社会产生广泛的影响。科学：通过提供对债务人思维过程的经验理解，并提供干预措施来改变这些思维过程，这是债务的关键。社会：通过提供新的工具来识别问题债务人和干预措施（MYDAS），我的研究将使债务人（更快地寻求帮助，减少债务），债权人（偿还）和债务减免机构都受益。