Personal Debt

Is there a solution left to address rising personal debt in Britain and avoid folks going bankrupt.

After so many years in financial services I have noted that certain types of business come all at the same time. For instance a couple of years ago we had 10 divorcees remortgaging in order to meet their divorce settlement. They all came in a normal working week. Another time it was the turn of First Time Buyers to flock in virtually all at the same time. On neither occasion had we advertised or run a marketing programme for such groups. But it was all good and pleassant business.