The amount of interest charged by pay-day lenders is often in the headlines - but in Dumfries and Galloway it's so-called Doorstep Lending that's causing concern.
The Citizens Advice Service is reporting a 42 per cent increase in this kind of lending, and borrowers can be charged repayment rates of up to a thousand per cent.
Their latest figures for the area suggest that the most money is owed in Dumfries, totalling almost £160,000.
Although the figures are smaller elsewhere, each individual debt can of course spell financial misery for those concerned.
Earlier Ian Payne spoke to Sue Irving, the Chief Executive of the Citizens Advice Service, and asked what this can mean for families.
The Department for Business has issued a statement after the release of a report today that concluded that the number of people relying on quick, high interest loans is rising.
The Government is currently looking at whether any action needs to be taken to address the problem, and about what action it might take.
Read the full statement from them below:
The number of people relying on quick, high interest loans is rising. The Centre for Responsible Credit says companies should share information about customers who are already in debt. The change would protect low income borrowers from irresponsible lenders.
Kath Simms and Kath Carter, both from Stockton, have stuggled with loans for years. They told ITV how easy it is to fall into financial ruin.
Two Stockton mothers are warning others of the risks of taking out taking out high-interest loans. They say vulnerable people are being targeted by companies who knock on people's doors and are becoming 'the norm' and 'a credit line' for those who find it difficult to live within their means.
Teesside debt charity Thrive supports hundreds of people with cash problems.
Community organiser Greg Brown says, “We try to advise people on alternatives to high interest loans. We encourage people to stick up for themselves, challenge lenders and get what they are entitled to. We know what rights people have and help send people on the right way.”
Loan sharks are being targetted in Carlisle as part of a crackdown on illegal money lending.
Trading standards officers and the police are handing out leaflets in the city centre warning people about the dangers of borrowing money from unregulated lenders.
They're also warning loan sharks that there will be a zero tolerance approach to those taking advantage of people struggling in these tough financial times.
The mascot 'Sid the Shark' will be touring the street of Carlisle offering advice against using loan sharks.
Trading Standards, in partnership with the England Illegal Money Lending Team, have been hosting the 'Week of Action.'
It aims to raise awareness of illegal money lending and reward people who join Carlisle Credit Union.
The week has included training sessions for officers and councillors from the county and city council and school visits and lessons in Loan Shark awareness.
Also the first 100 Cumbrians who join the Carlisle Credit Union during the week will have the £1 membership waived.
The 'Week of Action' and the Credit Union initiative is being funded via cash confiscated from illegal money lenders, giving it back to the local communities affected by loan sharks.