Consumers who find themselves with high levels of debt need to take responsibility for their situation, it has been suggested.According to the Consumer Credit Counselling Service, the availability of credit that led to many people borrowing unsecured loans and credit cards has created difficulty for many.And a spokesman for the charity noted that although banks are partly to blame for the situation, those who have run up bills they cannot afford to pay need to accept responsibility."If people have been spending 'willy-nilly' on credit cards, you can't really argue it is the bank's fault for getting them into that debt," he said.However, the spokesman added that certain people could not have avoided the situation, such as carers or those who are unable to work.His comments follow Credit Action findings that total personal debt in the UK stood at nearly £1.5 billion at the end of January.
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