Worrying UK debt and overspending patterns have emerged in a survey conducted by internet bank Cahoot, emphasising the growing need for UK debt help.

According to the survey 59% of people in the UK are spending more than they actually earn. As many as 49% in the UK are in debt and overspending with a credit card, while 48% are using their overdraft to help fund their lifestyle.

The figures show that there are millions of people who need UK debt help because of overspending and are borrowing to sustain a lifestyle they can't afford.

John Goddard of Cahoot said: "A disposable income equal to around a quarter of net salary doesn't always stretch as far as some people would like to. This could create problems if people aren't managing their money properly."