One in 7 people in the UK need expert advice to deal with the money they owe.

So that’s 8 million people who need help paying their mortgage as well as paying their council tax and utility bills.

Half of this group are aged between 18 and 34 and three quarters of them earn less than £30,000 a year.

The research also shows that a further 1 in 4 adults are now at risk financially.

That’s over 12 million people who struggling to keep up with their bills and borrowing commitments, use some form of credit or are can not afford food or essentials.