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Page last updated at 05:41 GMT, Saturday, 7 November 2009

Cut up credit cards
Personal insolvencies hit a record in England and Wales in the third quarter of 2009, with the total up 28% on a year ago.

Some unfair credit card terms are to be outlawed under proposals being put forward by the government.

A watchdog is to monitor the largely unregulated debt management industry to ensure fair treatment for customers.

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DEBT BASICS
UK personal debt totals close to £1.5 trillion
The recession has been driving up the number of personal insolvencies since the end of 2007
A household is in fuel poverty when it spends more than 10% of income on fuel bills
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