# 3. The evidence gap › 3.2 Harm from single events (1)

Checks 1 to 4 of 6, each with its evidence

## What you can do here

- **Verify 1: Research commissioned by the FCA (Warner an…**: Verify: Research commissioned by the FCA (Warner and Garforth-Bles, 2024) fou…
- **Verify 2: 18% of UK adults were over-indebted in 2024…**: Verify: 18% of UK adults were over-indebted in 2024. 5.5% missed one or more…
- **Verify 3: People facing an income shock or relationsh…**: Verify: People facing an income shock or relationship breakdown are the most…
- **Verify 4: Borrowers can get "materially different out…**: Verify: Borrowers can get "materially different outcomes even where their cir…
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- **Open Meet the research: 3.2 Harm from single **