First and foremost, we would like to thank everyone who gave up their time to speak to us for this research. We are extremely grateful for both their time and their openness and honesty. We would also like to thank the organisations that helped us recruit our participants - in particular, we are grateful to Aberdeen Foyer, Dundee North Law Centre, Cumbernauld Poverty Action, Galashiels and Clackmannanshire Citizen's Advice Bureaux, and Street League for putting us in touch with people with experience of Universal Credit, and to the Scottish Association of Landlords, Scottish Housing Federation, and Scotland's Housing Network for their help reaching landlords. Thanks to Tanjina Ali, at Ipsos MORI, for all her expert input on setting up the landlord survey. The advice provided by the advisory group at the Scottish Government throughout the project has also been invaluable.
All responsibility for this report lies with the authors.
Diana Bardsley, Kate Glencross, Rachel Ormston & Maggie Pollok