The charity said it had seen a 20 per cent rise in those struggling with borrowing, handling 1.7 million cases last year.

Debt accounts for one in three of inquiries at the CAB, with advisers in England and Wales dealing with more than 6,600 such problems every working day. They warned that there was no let up in casualties of the credit boom and increases in the cost of living.

Credit card debt and problems with unsecured loans dominated inquiries, accounting for 40 per cent of the CAB's debt caseload. Overall, consumer credit problems rose by 14 per cent, while problems with overdrafts and loans grew by more than 18 per cent. The number asking about bankruptcy rose by 50 per cent.

Citizens Advice said the figures, published as part of Advice Week, indicated that hundreds of thousands of people were increasingly struggling to meet their living expenses. David Harker, the chief executive of Citizens Advice, said lenders needed to do much more to make sure borrowers were genuinely in a position to keep up with repayments.

One 42-year-old woman said: "I got into difficulty with credit cards. I ended up with £4,000 bill. I had bought a computer to help with my son's homework. My council tax had got into a mess - they lost two of my payments - so I borrowed for that. I also got into rent arrears."


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