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Trading Standards
Free help and advice is available from South Ayrshire Trading Standards Consumer
and Business Advice Centre - contact South Ayrshire Debt Helpline on 01292 616060
For those in Debt
Why Do People Get Into Debt?
One of the main reasons why people get into debt is that they simply do not have
enough money to live on. People living in poverty have to borrow to meet basic needs
such as food and clothes for the children. Another major cause of debt is that circumstances
change. Redundancies happen, people lose their jobs or their overtime, they suffer
bereavements and relationships fall apart. Many people simply borrow too much and
become involved in more debt to make ends meet. All of these factors affect the
way people are able to cope with their finances.
Case Example: The Soldiers, Sailors and Air Force Association, Welfare Worker referred
Mrs D who had terminal cancer. Mrs D and her husband had many debts, which added
considerably to the pressure at home. Our Advisor prepared a report about the family's
financial situation. This enabled the Welfare Worker to apply to various Forces
charities for money to clear off some of the debts. A sum of £5000 was obtained
and the family was given advice on how to deal with the remaining debts.