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News from the Money Advice Service that nine million people in the UK are living with serious debt is just the latest statistic to capture the scale of the problem. According to a survey by the government-backed service, only 17% of these people have asked for the free advice that is readily available to help families manage their debt burden. No wonder, then, that increasing numbers have turned to payday lenders and

In my business of debt collection, I talk to a lot of people. And owners and managers of small- and medium-sized business are telling me they are not convinced by the official statistics showing that the UK economy is in recovery. There is, appropriately enough in this season of witches and werewolves and things that go bump in the night, a fear of what even a small rise in interest rates will mean for the thousands