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POPSUnenforceable Credit Card Agreement Solicitor Thinking about unenforceable credit card solicitors we also think of the ways and means of preserving our circumstances. Total British personal debt burden as December 2008 was an amazing £1,457bn. This has dropped to 3.6% over the last 12 months which translates to an increase of about £50,000,000,000. Borrowing in the last month of 2008 grew by £2.2bn; home loans escalated by £1.9 billion in that same month; unsecured personal borrowing expanded by £0.3 billion in the month as well. Average household debt in the UK comes in at around sixty thousand pounds (including mortgages). The average owed by every British adult is about £30,400 (including secured lending).