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Since April 2006 BIS (The Department for Business, Innovation and Skills) is helping over-indebted UK consumers in solving their financial problems. The help was provided in the form of a face to face, free debt advice project, which until the end of September 2009 has provided help to more than 270,000 people. The indebtedness problem has become outstanding by November 2009. 160% of household annual pre-tax income was represented by personal borrowing and UK consumers had debts up to £1,459 billion. Despite the majority of consumers can manage properly their debt problems, the result of the survey in 2008 made by the Bank of England found, that 11% of UK citizens were struggling with difficulties in managing credit commitments and were keeping up hard with bill payments.

A National Audit Office survey found, that from those people who had received a free, face to face debt management advice from BIS 81% sustained the advice helped. Within only one year from July 2008 and July 2009, during the recession the demand for advice and support connected to finances has become higher than the capacity; the number of people in UK contacting advice providers has increased with 28%.

In order to support those struggling with debt BIS’s debt advice project is part of a government complex strategy involving more than 50 different projects, diffuse responsibilities and a number of funding streams. The current programme management arrangements are not controlling effectively the risks to value for money created by this multiple delivery structure. There needs to be better performance management, evaluation and governance if the strategy is to succeed. Although the report of The Department for Business, Innovation and Skills made in February 2010 sustained that the free, face-to-face debt advice project helped more people with less costs per person than planned the NAO called for the Department to evaluate how advice for debt problems can be provided more efficiently and reported that BIS also needs to engage more effectively with other parts of government working to help the over-indebted and with private sector advice providers.