Years of increased borrowing, rising living costs and struggling to save has forced many families into a debt trap that is proving very difficult to escape.
Problem debt can have a corrosive impact on people and families. Our report shows how it can wreak havoc on mental health, relationships and wellbeing.
Across the UK people are up until the early hours worrying about their finances and bills.
Some of the poorest people in Britain are cut off from mainstream banking and have no choice now but to turn to loan sharks and high-cost lenders.
More top news
A teenager who grew an incredible 10cm overnight after an operation to correct a curve in her spine has been given the all clear by doctors.
Severe weather warnings have been issued for northern England and Scotland, where it could drop to minus 10C (14F) in some places.
Expect it to feel colder with a biting, bitter windchill, this Valentine's Day.