Debt is an individual’s own responsibility to manage, says Thomas Charles & Co.
James Falla, director of the debt counselling service, remarked that there is only so much a bank manager can do to help those with financial problems.
They can sit down and work out a budget and give them advice, he said, but ultimately it is an individual’s own choice how closely they follow that plan and manage their money.
Mr Falla added that for those who cannot afford their monthly repayments, a consolidation
“You could consolidate your debt with one
According to a Co-operative Financial Services study, 80 per cent of Brits worry about the level of debt they are in.
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