Fri, 18 Jul 2025

Fri, 18 Jul 2025 'People in debt shouldn't have to suffer alone'

Campaigners warn of a looming crisis if more isn't done to help those with growing unsecured debt.

* Thousands of people in Yorkshire are struggling with debt, with many feeling isolated and ashamed.
* The average new client of Christians Against Poverty (CAP) in Yorkshire owed £11,600 last year.
* Households in the UK are spending an average of £216 a month on credit cards, loans, and overdrafts.
* Campaigners warn that unsecured debt is fuelling poverty and deepening inequality, and call for government action to address the issue.
* CAP's report "No Time to Lose" found that most people seeking help feel isolated, fearing phone calls, letters, and doorstep visits from creditors.
* A recent consultation on debt enforcement reforms included proposals for independent regulation of bailiffs, limiting doorstep visits, and making enforcement fees fairer.
* Campaigners are calling for further comprehensive reforms on lending practices and bigger investment in community-based debt advice.
* The government is being urged to listen to the demands of people in debt, including a ban on bailiffs, a duty of care for public creditors, and fair routes to write off unaffordable debt.
* Beverley Callon's story highlights the need for more support and resources for people struggling with debt, as she credits CAP with helping her clear her £11,000 debt over several years.
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