There are many different ways in which people with debt management problems can deal with their issues.

Beccy Wilks, spokesperson for the Money Advice Trust, said it depends on the amount and type of debt a person has.

"It could be that someone is worried about not being able to pay a utility bill so may consider borrowing money to pay off the debt," she suggested.

However, in some cases it might not be necessary to take out a loan, Ms Wilks continued, as debt management experts are able to ascertain the best plan of action for individual needs.

Credit Action revealed earlier this month that total UK personal debt at the end of March stood at £1,459 billion, which has slowed further to 2.2 per cent in the past 12 months, equating to an increase of £28 billion.

Average household debt in the UK was said to be £9,280 (excluding mortgages), increasing to £21,580 if the average was based on the number of households who actually have some form of unsecured loan.