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