No easy solution to debt

Consumer debt is rising fast in Britain and many people are finding it difficult to keep up with their payments. When things get tough they might need specialist help.

Finding the right advice is crucial because, as Marcia Hughes discovered, some of the firms offering to come to your aid can cost more than you bargained for.

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Checking out banks

The big banks have been closing branches up and down the country and encouraging us to do business with them by computer or phone.

But does that mean that we no longer need the traditional bricks and mortar of a branch?

In a special report for Hard Cash, Adrian Chiles goes back to Wheathampstead in Hertfordshire, a village he first reported from nearly 2 years ago when the last bank left the high street. How are people coping?

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