---
title: "Longitudinal Study of Debt Advice"
ocid: "ocds-h6vhtk-03f8f5"
canonical_url: "https://d3tenders.com/contract/?ocid=ocds-h6vhtk-03f8f5"
markdown_url: "https://d3tenders.com/contract/ocds-h6vhtk-03f8f5.md"
json_url: "https://d3tenders.com/contract/ocds-h6vhtk-03f8f5.json"
source: "Find A Tender Service"
current_stage: "Award"
buyer: "MONEY AND PENSIONS SERVICE"
published: "2026-04-23"
---

# Longitudinal Study of Debt Advice

Buyer: MONEY AND PENSIONS SERVICE  
Current stage: Award  
OCID: ocds-h6vhtk-03f8f5

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## Summary

The Money and Pensions Service (MaPS), based in Bedford, UK, is undertaking a procurement process for a longitudinal study of debt advice, classified under research services. The procurement method employed is a selective approach through the Crown Commercial Service Framework, focusing on research and related consultancy services. The current stage is the award and contract update, with the contract awarded to the supplier IFF Research. This project aims to measure the long-term impact of debt advice on client outcomes. The original contract was signed on 5th April 2024, with an active status, covering a period of approximately five years. This project is positioned in the UKH region, with a substantial contract value of £1,767,867 GBP.

This tender presents significant opportunities for businesses specialising in research, consultancy, and services related to financial well-being and debt advice. It is particularly suitable for small and medium enterprises (SMEs), given the involvement of an SME supplier. Businesses that can deliver quantitative research, especially employing randomised encouragement designs or stratified random processes, would be well-suited to collaborate in this endeavour. The engagement with the Crown Commercial Service Framework suggests potential collaborators could benefit by gaining experience in government procurement frameworks and contribute innovatively to financial and debt advice research and development, thereby enhancing their market presence and expertise within this sector.

## Notice

MaPS published the results from a two-year quantitative pilot longitudinal study (PLS) of debt advice in October 2022. The pilot has demonstrated solid evidence that doing a large-scale longitudinal study successfully is feasible and likely to produce valuable insight. 

Given the encouraging results, MaPS wants to undertake a two-phase quantitative longitudinal study to measure the impact of debt advice on client outcomes. The design includes a randomised encouragement component by using a stratified random process to create a counterfactual group, where a treatment group is encouraged to seek debt advice, and a control group is not.

There are two main changes from the PLS. 1) The criteria used by MaPS to define people in need of debt advice have changed. From previous surveys, we estimate that the old and new definitions of people in need of advice will provide a similar eligibility rate but that will be tested in the first phase of the study. 2) We have a new design and structure to be used for the randomise encouragement component. Also, to be tested and improved in the development phase.

### Lot Information

Lot 1

No change from Contract Award Notice: High-level objectives are the following: Phase 1 * to successfully run the developing phase, recruit participants online in need of debt advice; * create the experimental allocation (using a stratified random process); * evaluate the encouragement design aimed at creating a robust counterfactual group; and * calibrate the key parameters (such as eligibility, attrition and response rate) for the large scale longitudinal. Phase 2 * to successfully run a large-scale randomised encouragement design longitudinal study; * create the experimental allocation (using a stratified random process); * successfully implement the encouragement design; * to keep comparable and sizeable treatment and control groups during the duration of the project over four waves; and * to measure the impact of debt advice on improving the outcomes of people. Insight: * to understand the causality of debt advice has with debt and wider financial well-being indicators within the debt journey over the short, medium and long term. This includes analysing complex journeys into and out of debt over time and the causes; * to identify the immediate effects of receiving debt advice, the sustainability of the solutions and the long-term consequences of clients' decisions; and * to identify what works and what doesn't work to increase motivation for advice seeking behaviour, which is one of the most challenging objectives in the debt advice sector.

Options: 1+1+1+1

Renewal: This contract shall be split in to phases and may be extended or ceased; subject to the out-put from the various phases.

## Key Details

| Field | Value |
| --- | --- |
| Publication source | Find A Tender Service |
| Latest notice | https://www.find-tender.service.gov.uk/Notice/037304-2026 |
| Notice type | Planning Notice |
| Procurement type | Framework |
| Procurement category | Services |
| Procurement method | Selective |
| Procurement method details | Restricted procedure |
| Tender suitability | Not specified |
| Awardee scale | SME |
| All stages | Planning, Tender, Award |

## Dates

| Field | Value |
| --- | --- |
| Publication date | 23 Apr 2026 |
| Submission deadline | 14 Sep 2023 |
| Future notice date | Not specified |
| Award date | 4 Apr 2024 |
| Contract period | 1 Dec 2023 - 31 Mar 2029 |
| Recurrence | Not specified |

## Values

| Field | Value |
| --- | --- |
| Tender value | £1 |
| Lots value | Not specified |
| Awards value | Not specified |
| Contracts value | £3,017,867 |

## Status

| Field | Value |
| --- | --- |
| Tender status | Complete |
| Lots status | Cancelled |
| Awards status | Active |
| Contracts status | Active |

## Buyer

| Field | Value |
| --- | --- |
| Main buyer | MONEY AND PENSIONS SERVICE |
| Locality | LONDON |
| Post town | Central London |
| Postcode | EC1N 2TD |
| Country | England |
| ITL 1 | TLH East (England) |
| ITL 2 | TLH2 Bedfordshire and Hertfordshire |
| ITL 3 | TLH24 Bedford |
| Local authority | Bedford |
| Electoral ward | Cauldwell |
| Westminster constituency | Bedford |
| Delivery location | TLC North East (England), TLD North West (England), TLE Yorkshire and The Humber, TLF East Midlands (England), TLG West Midlands (England), TLH East (England), TLH2 Bedfordshire and Hertfordshire, TLI London, TLJ South East (England), TLK South West (England) |

## Supplier

| Field | Value |
| --- | --- |
| Number of suppliers | 1 |
| Supplier names | IFF RESEARCH |

## CPV Codes

### Divisions

- 73 - Research and development services and related consultancy services

### Codes

- 73000000 - Research and development services and related consultancy services
- 73110000 - Research services

## Release History

- 23 Apr 2026 at 16:05 - AwardUpdate - Award Notice - https://www.find-tender.service.gov.uk/Notice/037304-2026
- 16 Apr 2024 at 14:09 - Award - Award Notice - https://www.find-tender.service.gov.uk/Notice/012374-2024
- 1 Sep 2023 at 12:06 - Planning - Planning Notice - https://www.find-tender.service.gov.uk/Notice/025799-2023

## Notice URLs

- https://maps.org.uk/
- https://maps.org.uk/en
- https://theroyalcourtsofjustice.com/
- https://www.iffresearch.com/

## Provenance

This Markdown file is an alternate public rendering of the D3 Tenders contract record. The canonical page is https://d3tenders.com/contract/?ocid=ocds-h6vhtk-03f8f5. The underlying structured data is available as OCDS JSON at https://d3tenders.com/contract/ocds-h6vhtk-03f8f5.json.