A charity in south-west Scotland say they have helped 1,500 families who were at risk of losing their homes in the past 10 years.
Shelter Scotland in Dumfries and Galloway are now warning that the problem is only going to get worse.
Our reporter Matthew Taylor went to meet one man who is struggling to keep the roof over his head:
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Cold, foggy and frosty overnight. Mainly dry to start the new working week
Kerrie brings you Saturday's forecast for Cumbria & The Scottish Borders
Another cold and icy night but cloudier, wetter, windier and milder from the west by dawn