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If you are having problems with your borrowing, it is better to sort things out sooner rather than later - or your situation could easily get worse. There are many different organisations that can help you. Ignoring the situation will not make it go away. Seeking help early may help you avoid being one of the many people made bankrupt every year. (28,021 people were made bankrupt in 2003- Insolvency Service, Sept 2004)
 
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That a report from the Pensions Commission estimated that three in seven workers (42% of the workforce, or twelve million people) are saving nothing, or too little, towards their retirement. In order to fill this 'pensions gap', the Commission estimates that British workers need to contribute an extra £5 billion a month towards our pensions, or about £160 per worker per month.

 

Financial Services AuthorityIndependent Financial Advisor