Irresponsible lending has contributed to a situation that sees many Britons struggling with excessive debt, it has been suggested.According to Citizens Advice, the past availability of secured and unsecured loans without sufficient background checks has led to problems.A spokesperson for the body suggested that when added to job losses caused by the recession, this has created difficulty for many consumers."People have been able to take out loans, mortgages and credit cards - sometimes in circumstances where they have [been] persuaded to take them out - and the lender should have been checking much more carefully," she remarked.Her comments follow the body's findings that the average person coming to it with debt problems last year owed almost £17,000.The figure was two-thirds higher than that of 2001 and came as a result of factors including bills and secured loan arrears, with one in ten clients owing money on at least ten forms of finance.
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