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Rising prices， 1）stagnant incomes and high-cost lenders cashing in.
It’s not that borrowing is higher in Hull， it’s that so many are taking on more debt than they can handle. Man A： I’m stressed， fed up， not very well all the time.
This Hull taxi driver has lost control of ￡40，000 of debt.
Man A： I go to work 8， 10 hours a day， sometimes 12 hours a day. I come home. By time we’ve paid the rent， the 2）Council Tax， the food， fuel for my car， I just don’t have anything left. Everything else just swallows it up before I can pay my debts.
At a food bank ’round the corner borrowing has become a way of life； along with it， the worry when you can’t meet the payments.
Man B： If the gas and the electric go up and also the possible interest rate rises. That’s gonna literally tip us over the edge.
So who are the people who’ve got too much debt？ Well， nearly half of them， 48%， own their own homes， 58% are in work， 64% are women， but only 17% are getting advice and help with their debts. Too many are turning to 3）pay-day lenders to make ends meet， 4）compounding the problem when they could get free help from the likes of National Debtline and Citizens Advice.
Ray Davies （Expert）： It’s a fear factor. People do certainly try. They think they can sort this thing out themselves， but debt problems very soon become too big to sort out yourself.
You can deal with debt by negotiating lower payments or even going bankrupt. The challenge now is to make sure more people get the advice they need.
高涨的物价，停滞的工资，还有从中获利的高利贷放款人。
其实英国赫尔市的借贷率并不比其他地方更高，但那儿许多人的债务超出了他们所能承受的范围。
男人甲：我压力很大，烦透了，生活一直都不是很好。
这位赫尔的出租车司机已经对他那4万英镑（约合40万人民币）的债务失去控制。
男人甲：我每天工作8或10个小时，有时候12个小时，我才回家。可在付完房租、市政税、伙食费，以及车的燃料后，已经所剩无几；我还没来得及偿还债务，钱就在这些东西上面花光了。
在街角的一家粮食站，“借”已经成为了一种生活方式；随之而来的是入不敷出的忧虑。男人乙：如果燃气费和电费上涨，再加上利率也有可能上涨，这些简直让我们不知如何是好。
那么负债过多的是哪些人呢？呃， 48%，也就是几近一半的负债者拥有自己的房子，58%有工作，64%是女性，但仅有17%的负债者就自己的债务问题寻求专业意见和帮助。他们本来可以从全国理债专线和公民咨询等此类机构得到免费帮助的，但太多的人却转向发薪日贷款机构借贷以维持收支平衡，此举让债务问题更加严重。
雷·戴维斯（专家）：这当中有忧虑的因素。人们当然会努力。他们认为自己能够解决这件事情，但是债务问题很快就变得失控。
人们可以通过协商要求更低的还款额度，甚至通过破产来解决债务问题。现如今的挑战是如何确保更多的人得到他们所需要的专业建议。
It’s not that borrowing is higher in Hull， it’s that so many are taking on more debt than they can handle. Man A： I’m stressed， fed up， not very well all the time.
This Hull taxi driver has lost control of ￡40，000 of debt.
Man A： I go to work 8， 10 hours a day， sometimes 12 hours a day. I come home. By time we’ve paid the rent， the 2）Council Tax， the food， fuel for my car， I just don’t have anything left. Everything else just swallows it up before I can pay my debts.
At a food bank ’round the corner borrowing has become a way of life； along with it， the worry when you can’t meet the payments.
Man B： If the gas and the electric go up and also the possible interest rate rises. That’s gonna literally tip us over the edge.
So who are the people who’ve got too much debt？ Well， nearly half of them， 48%， own their own homes， 58% are in work， 64% are women， but only 17% are getting advice and help with their debts. Too many are turning to 3）pay-day lenders to make ends meet， 4）compounding the problem when they could get free help from the likes of National Debtline and Citizens Advice.
Ray Davies （Expert）： It’s a fear factor. People do certainly try. They think they can sort this thing out themselves， but debt problems very soon become too big to sort out yourself.
You can deal with debt by negotiating lower payments or even going bankrupt. The challenge now is to make sure more people get the advice they need.
高涨的物价，停滞的工资，还有从中获利的高利贷放款人。
其实英国赫尔市的借贷率并不比其他地方更高，但那儿许多人的债务超出了他们所能承受的范围。
男人甲：我压力很大，烦透了，生活一直都不是很好。
这位赫尔的出租车司机已经对他那4万英镑（约合40万人民币）的债务失去控制。
男人甲：我每天工作8或10个小时，有时候12个小时，我才回家。可在付完房租、市政税、伙食费，以及车的燃料后，已经所剩无几；我还没来得及偿还债务，钱就在这些东西上面花光了。
在街角的一家粮食站，“借”已经成为了一种生活方式；随之而来的是入不敷出的忧虑。男人乙：如果燃气费和电费上涨，再加上利率也有可能上涨，这些简直让我们不知如何是好。
那么负债过多的是哪些人呢？呃， 48%，也就是几近一半的负债者拥有自己的房子，58%有工作，64%是女性，但仅有17%的负债者就自己的债务问题寻求专业意见和帮助。他们本来可以从全国理债专线和公民咨询等此类机构得到免费帮助的，但太多的人却转向发薪日贷款机构借贷以维持收支平衡，此举让债务问题更加严重。
雷·戴维斯（专家）：这当中有忧虑的因素。人们当然会努力。他们认为自己能够解决这件事情，但是债务问题很快就变得失控。
人们可以通过协商要求更低的还款额度，甚至通过破产来解决债务问题。现如今的挑战是如何确保更多的人得到他们所需要的专业建议。