Citizens Advice assists over 600,000 people, up 6% from last year
British banks see little evidence of customers falling behind on payments
Recent collapses caused by panicked depositor runs and lax regulation, not affordability
Defaults take time to materialize, leading to delayed effects on quarterly results
Increasing numbers feel locked out, hindering detection of problem borrowers
Tough risk controls and restrictions on high-interest products lead banks to shed poorer clients