Britons are less likely to blame themselves for their debt problems than Americans.

The Consumer Credit Counselling Service, a debt charity, said the main reason people in the UK gave for being unable to keep up with repayments was a change in circumstances.

It found 31 per cent blamed a change in their work status, while 23 per cent cited a change to their family life.

Americans were more likely to blame being in debt on overspending, with 42 per cent citing this as the root of their problem, compared with just 30 per cent of people in the UK.

Wednesday November 19, 2003