Council Tax Now Britain’s Leading Source of Debt Problems

September 8, 2015

Council tax arrears is now the leading source of debt management problems among consumers throughout the UK, according to Citizens Advice.

The charity reports that 12 per cent of people who turn to its advisors for help are worried primarily about the debts they owe as council tax, with tens of thousands of individuals around the country now struggling to cope with their council tax arrears.

Until recently, issues with credit card debts, store cards or personal loans were more likely causes of debt problems for British people but council tax has jumped to the top of the nation’s debt-related worry list.

The concern for Citizens Advice, as a charity that aims to help people who are facing financial distress, is that personal finance problems are increasingly being caused by an inability to cover everyday expenses.

As well as their council taxes, more and more people around the UK are apparently struggling to pay off energy bills, fuel debts and rent arrears.

“Citizens Advice has seen a shift in the kind of debt people have now compared to five years ago,” explained Pippa Lane, senior policy researcher at Citizens Advice, in a recent blog on the subject.

“People are increasingly struggling to pay their basic costs of living, and falling into debt as a result.”

Citizens Advice also reports that young people throughout the UK are taking on increasingly large amounts of debt, with individuals aged between 15 and 24 now carrying more debt on average than ever before, even when student loans are discounted.

Other findings from the charity’s latest assessment of its own figures suggest that self-employed people have the highest average debt levels of any professionals in the UK, while lone parents with dependent children are more likely than most to be struggling with debt.

Perhaps unsurprisingly, research has suggested that debt problems are a common cause of mental health complaints among British consumers, with 73 per cent of people who reach out to Citizens Advice for this reason having felt either stressed, depressed or anxious as a result of their problems.

If you are struggling to cope with debts of any kind and you want to speak to an expert about your options then call Scotland Debt Solutions now to find out how we can help.  


John Baird

Insolvency Adviser

Tel: 0800 063 9250

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