The MAS report, titled Indebted Lives, identified the UK's five most over-indebted areas as: Hull, Nottingham, Manchester, Knowsley and Liverpool. Around two-fifths of adults in all these areas are struggling with debt.
At the other end of the scale, Richmond upon Thames in south London has just 1.2% of its population struggling with debt, according to the report.
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Premier League clubs have agreed to pay all full-time staff the living wageof £9.15 an hour in London or £7.85 an hour outside the capital.
Tamworth represents what's going on at the national level, a remarkable boom in jobs but wages only just beginning to overtake inflation.