Toby Murray

Senior Research Officer (2023-2025)

Toby worked as a Senior Research Officer at Money and Mental Health from 2023 until 2025, exploring the links between financial difficulty and mental health. 

Before joining Money and Mental Health, he worked for the RSA as a Health Foundation Policy Fellow, leading their work on Young People’s Future Health and Economic Security. His work focused on the gaps in young people’s collective security and the impact this has on the building blocks of their health. Before that he worked for the Northampton Hope Centre, a day centre for people experiencing homelessness. 

In his spare time Toby enjoys reading, running, hanging out with friends, pickling things and baking acceptable loaves of bread. (he/him)

Policy notes and publications

• Connection Lost April 2, 2025 - Understanding the psychological harm of utilities debt collection and disconnection.
• In the public interest? September 9, 2024 - The psychological toll of local and national government debt collection practices.
• Debts and despair December 14, 2023 - How debt collection practices contribute to psychological harm.

• The Council Tax Collection Coalition submission to the Housing, Communities and Local Government Committee’s inquiry into the Funding and Sustainability of Local Government Finance January 24, 2025 - Money and Mental Health, alongside 10 other organisations who are part of the Council Tax Collection Coalition, calls for the Housing, Communities and Local Government Select Committee to improve debt collection practices relating to council tax, as well as improving the provision and protections of council tax support.

Recent blogs

• Better regulations for the bailiff industry: what we’re calling for October 2, 2024
• What’s going wrong with public sector debt collection? The findings of our new research September 10, 2024
• The cost of living crisis hasn’t gone away May 8, 2024
• People out of work need more support, not less January 24, 2024
• We need to talk about consumer credit collection practices December 14, 2023