Scottish debts hit decade high

25th February 2026 Arrears and Recoveries | #scottish debt

New figures published by StepChange Debt Charity Scotland have revealed that the average debt among people seeking help from the charity has reached on average £20,116 per client, a 10% rise year-on-year, and the highest level recorded in over a decade. Two in three clients were in arrears on their household bills, owing an average…

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Debt and arrears levels rocketed for Scottish debt charity last year

StepChange Debt Charity has revealed the toll a year of increased living costs has had on Scots’ finances. Despite government interventions to help with soaring costs, the average amount a StepChange client is behind on household bills has increased by a shocking 68%, from £1,739 in 2021 to £2,920 in 2022.  Among arrears on essentials,…

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