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I will soon cancel this site in the face of the legistation that comes into play on 25 May 2018.

It isn't worth the hassle of getting this site compliant to be frank - so I'll move the content to another site and that one will be GDPR compliant from the outset.

I'll move the blogs, photos, forum items in due course and meantime I will delete all the membership entries from the site so that no personal data is being held.

Long live Privacy and Security, eh? :-)

Emma Bryn-Jones
  • Female
  • Swadlincote, Derbyshire
  • United Kingdom
  • Blog Posts
  • Videos

Emma Bryn-Jones's Friends

  • Bryn Morgan
  • Robin Beckett

Emma Bryn-Jones's Page

Profile Information

How do you know of this site?
I came from Twitter
Are you or do you wish to be an ACTIVE member of Mike's network?
What business are you in (optional and private)
participatory personal finance R&D - cooperative socent
Some notes about yourself (optional)
Performing arts raised and trained. Multi-lingual re operatic family - also grandiose at times - what do you expect from an early childhood charming Pavarotti, Peggy Ashcroft, Michael Aspel, Harry Secombe and having tea at Buckingham Palace aged 17?!

Over a decade in marketing then social research, during which time I met Nelson Mandela.

Then a decade teaching languages and performing arts, which I adored.

Wrote Zero-credit as a book in 2008 on the back of personal bankruptcy in 2002 and the continued proliferation of credit I was offered.

Learnt everything digital / tech to launch Zero-credit online on the hoof - hence all of the abundant examples of ignorance!

Incorporated Zero-credit as a cooperative for individuals with personal experience of borrowing in August 2010.
A website address if you have one please?
LinkedIn URL?
Twitter ID?

Sample our work?




This report profiles the increase in middle income, homeowning and older clients across the majority of free-to-client debt advice providers since 2003. It is a precursor to our conducting a comprehensive analysis of the UK market for personal borrowing, for publication later in the Summer. 
Since "...there has been no attempt to evaluate the strategy as a whole" - National Audit Office, 02/10, Business Innovation and Skills: Helping over-indebted consumers, we consider it critical that the market is analysed and segmented to reveal those at risk of over-indebtedness. Goodness knows there's enough evidence of debt deferral and denial products and services, designed to syphon people off into even less sustainable situations. 
The Zero-credit site has always been free to use and free from advertising or sponsorship. However, to finance this we created our debtors' coop last summer to trade in personal finance research and development - the idea being that the people who use financial products and services own our company and therefore participate in our work. No observational loyalty cards where the consumer has no say for us!
If you'd like to sample more, there are other resources in the Debtors' Coop Information Service and we are committed to publishing one original resource per month. Universal accessibility is what we're aiming for and every individual Membership or business Subscription contributes to our exceeding expectations.



Individual Members: £1 a year

Bus / prof Subscribers: £30 a year




Monthly e-newsletter

Email notification of new publications

7 days / month access to Information Service

Unlimited single user access to Information Service

Sustainable spending e-book

5% discount on commissions

Such other benefits as Zero-credit may from time to time procure

Collective commissioning service – matching similar R&D interests to achieve economies of scale


Rights to

Attend vote and speak at general meetings

Observe cooperative general meetings

Stand for election to Management Committee

Apply for donations to social or charitable projects

Suggest topics for research and publication

Suggest topics for research and publication

We are currently taking small scale qualitative work and online / telephone B2B commissions and are working towards large scale quantitative studies. I'm happy to let you know when we have the resources to deliver this and look forward to a few subscriptions!



Comment Wall (2 comments)

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At 9:10 on April 4, 2011, Mike Briercliffe said…

Hi Emma - yes - intersting how fiddling with one makes you think about the otyher places. I use LinkedIn as my "master" and transpose as and when appropriate.


Keep it going - the connectivity of your own "profiles" is key in this new(ish) world.



At 23:25 on January 22, 2010, Mike Briercliffe said…
Welcome. Cant stop and chat - must fly. Catch up in due course. Link up with Rhianne Griffiths for more info short term.

Mike B

About.Me is a nice facility ...

All your links in one place - simple but really nicely done AND including some analytics. Come and have a look at my links?

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