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2004 24-12-2004: New Year to Herald Record Bankruptcies The combination of Christmas overspending and already excessive borrowing is expected to result in as many as 5,000 bankruptcies by the end of January 2005. 11-03-2004: Debt Consolidation: Who's to Blame? The OFT has published the results of it’s eight month study into debt consolidation loans, the loans taken out by people in a bid to reduce their monthly payments by incorporating their debts into one place. 01-03-2004: Interest Rates or Taxes Rising borrowing figures and house prices have put interest rates back on the agenda. But if interest rates aren't the answer, what else is there ... Tax.

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