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This paper seeks to provide the conference with a description and analysis of the effect of poor literacy and innumeracy on consumers. The paper will show how poor literacy and access to information conspire to further aggravate the well being of disadvantaged communities and individuals. The paper seeks to draw a link between economically rationalist government policies, disadvantaged communities, individuals, regions and the decline in access and equity within the area of financial services. Further still, the paper will demonstrate that poor literacy and numeracy are key factors in exacerbating social exclusion and alienation.