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| Rising numbers seek debt advice | Rising numbers seek debt advice |
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| Fears over mortgage arrears and household bills have led to a surge in the number of people seeking help from the Citizens Advice service. | Fears over mortgage arrears and household bills have led to a surge in the number of people seeking help from the Citizens Advice service. |
| A survey of more than 300 offices, compiled for the BBC, found a 35% rise in mortgage queries in January and February compared with 12 months ago. | A survey of more than 300 offices, compiled for the BBC, found a 35% rise in mortgage queries in January and February compared with 12 months ago. |
| Rising household bills also contributed to 215,000 new debt problems taken to the service in January and February. | Rising household bills also contributed to 215,000 new debt problems taken to the service in January and February. |
| But the figures also showed that credit card debt problems were down by 9%. | But the figures also showed that credit card debt problems were down by 9%. |
| 'Worrying trend' | 'Worrying trend' |
| Nearly a third of the 5.7 million new problems dealt with by staff at Citizens Advice bureaux in 2006-7 concerned debt, making it the biggest single issue they faced. | Nearly a third of the 5.7 million new problems dealt with by staff at Citizens Advice bureaux in 2006-7 concerned debt, making it the biggest single issue they faced. |
| TOTAL DEBT Most indebted1. Richmond-upon-Thames2. Putney3. Kingston-upon-Thames4. Windsor5. Wandsworth | TOTAL DEBT Most indebted1. Richmond-upon-Thames2. Putney3. Kingston-upon-Thames4. Windsor5. Wandsworth |
| Least indebted1. Dumfries2. Chesterfield3. Merthyr Tydfil4. Skegness5.BangorSource: Experian Map of UK debt levels (2Mb)Map of year-on-year change (2Mb) Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader. Download the reader here class="" href="#bottom">Send us your experiences | |
| name="middle"> In the first two months of 2008, mortgage queries leapt by 35% compared with January and February last year. | |
| The survey follows warnings from the Council of Mortgage Lenders that predicted a rise in repossessions in 2008 owing to the credit squeeze, after a 21% rise last year. | The survey follows warnings from the Council of Mortgage Lenders that predicted a rise in repossessions in 2008 owing to the credit squeeze, after a 21% rise last year. |
| "It is a worrying trend that our bureaux are reporting very sharp increase in the number of mortgage arrears problems they are dealing with," said Teresa Perchard, Citizens Advice director of policy. | "It is a worrying trend that our bureaux are reporting very sharp increase in the number of mortgage arrears problems they are dealing with," said Teresa Perchard, Citizens Advice director of policy. |
| Squeeze on households | Squeeze on households |
| She added that the survey also painted a worrying picture of households struggling to meet their basic living costs, such as utility, telephone and council tax bills. | She added that the survey also painted a worrying picture of households struggling to meet their basic living costs, such as utility, telephone and council tax bills. |
| One bureau offered advice to a single man with multiple debts who faced fuel bills amounting to more than 20% of his income. | One bureau offered advice to a single man with multiple debts who faced fuel bills amounting to more than 20% of his income. |
| Another saw a disabled woman whose only warmth was from storage heaters and who spending £30 of her £70 cash a week on electricity. | Another saw a disabled woman whose only warmth was from storage heaters and who spending £30 of her £70 cash a week on electricity. |
| "The combination of big increases in household bills, especially fuel, and rising housing costs is putting additional pressure on people's finances when they are already stretched to the limit," said Ms Perchard. | "The combination of big increases in household bills, especially fuel, and rising housing costs is putting additional pressure on people's finances when they are already stretched to the limit," said Ms Perchard. |
| Credit card restraint | Credit card restraint |
| Despite traditional Christmas excess, credit card debt problems brought to the CAB fell by 9% in the first two months of the year, although overdraft issues were up 7% on the same period a year ago. | Despite traditional Christmas excess, credit card debt problems brought to the CAB fell by 9% in the first two months of the year, although overdraft issues were up 7% on the same period a year ago. |
| MORTGAGE DEBT CHANGE Highest rises1. Northern Ireland2. Kensington3. Chelsea 4. Wandsworth 5. Wolverhampton 6. Aberdeen 7. Rotherham 8. Hammersmith 9. Manchester Central 10. West BromwichSource: Experian Map of change in mortgage debt (2Mb) Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader. Download the reader here | MORTGAGE DEBT CHANGE Highest rises1. Northern Ireland2. Kensington3. Chelsea 4. Wandsworth 5. Wolverhampton 6. Aberdeen 7. Rotherham 8. Hammersmith 9. Manchester Central 10. West BromwichSource: Experian Map of change in mortgage debt (2Mb) Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader. Download the reader here |
| The fall in credit card debt was mirrored in figures by credit reference agency Experian. | The fall in credit card debt was mirrored in figures by credit reference agency Experian. |
| It claimed that lenders had been more choosy about who they offered credit to, even before the credit crunch started last summer. | It claimed that lenders had been more choosy about who they offered credit to, even before the credit crunch started last summer. |
| This meant that an explosion in credit card use was prevented. | This meant that an explosion in credit card use was prevented. |
| But Experian said that householders had also heeded warnings not to overstretch themselves by hitting the plastic. | But Experian said that householders had also heeded warnings not to overstretch themselves by hitting the plastic. |
| "The flat, almost negligible, growth in credit card balances suggests that consumers themselves have also taken a more responsible approach to borrowing," their report said. | "The flat, almost negligible, growth in credit card balances suggests that consumers themselves have also taken a more responsible approach to borrowing," their report said. |
| It said consumers were looking to lower cost or more affordable credit, as well as cutting down on borrowing altogether. | It said consumers were looking to lower cost or more affordable credit, as well as cutting down on borrowing altogether. |
| CREDIT CARD DEBT CHANGE Highest rises1. Penzance2. Bromley3. Skipton4. Eastleigh5. Bromsgrove 6. Abergavenny 7. Newbury 8. St Helens 9. Beverley 10. Newark On TrentSource: Experian Map of change in credit card debt (2Mb) Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader. Download the reader here | CREDIT CARD DEBT CHANGE Highest rises1. Penzance2. Bromley3. Skipton4. Eastleigh5. Bromsgrove 6. Abergavenny 7. Newbury 8. St Helens 9. Beverley 10. Newark On TrentSource: Experian Map of change in credit card debt (2Mb) Most computers will open PDF documents automatically, but you may need to download Adobe Acrobat Reader. Download the reader here |
| Total outstanding balances on UK borrowing, reported to Experian by lenders, rose by 9.24% over the last 12 months, slowing from a 14% rise over the previous year. | Total outstanding balances on UK borrowing, reported to Experian by lenders, rose by 9.24% over the last 12 months, slowing from a 14% rise over the previous year. |
| Facing up to debt | Facing up to debt |
| The Experian research suggests that people in Richmond-upon-Thames were the most indebted, although Northern Ireland showed the biggest change in total debt, up 23% in the last 12 months. | The Experian research suggests that people in Richmond-upon-Thames were the most indebted, although Northern Ireland showed the biggest change in total debt, up 23% in the last 12 months. |
| The CAB said people in debt should tell their creditors straight away if they were facing difficulties in paying and bureau staff could help put together payment plans, explain the options and ensure any entitled benefits were being claimed. | The CAB said people in debt should tell their creditors straight away if they were facing difficulties in paying and bureau staff could help put together payment plans, explain the options and ensure any entitled benefits were being claimed. |
| At the other end of the scale, the smallest increases in debt came in Aldershot, Dartford, Ilford, Bishops Stortford and Newport on the Isle of Wight, said Experian. | At the other end of the scale, the smallest increases in debt came in Aldershot, Dartford, Ilford, Bishops Stortford and Newport on the Isle of Wight, said Experian. |
| The least indebted area was Dumfries. | The least indebted area was Dumfries. |
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