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
Alex Salmond could be hailed the future leader of a new country, but there is still no agreement on how an independent Scotland would work.
Corby has the largest Scottish exile community - although they are not entitled to vote, if they could it would be an overwhelming "No".
It's one of most sparsely populated regions in Europe, but the Highlands is being fiercely contested in Scotland’s independence referendum.