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Case Studies?

Mr & Mrs A were married and had obtained finance to help them to set up their home.  They decided to start a family, carefully calculating that Mrs could return to work on a part time basis after the baby was born, and they could just about maintain their standard of living.
But the costs of a growing family were much more than they had budgeted for. Family priorities, as they are, meant that they fell behind with their creditor repayments.

Miss B was a student, working part-time.  However she accrued debts while she was away from home studying, not worrying too much about how much was to be repaid as she expected a good salary from her first job. 
However, the job that she really wanted was at a lower salary than she had anticipated, and she had not considered travelling costs and her rent was more than she had budgeted for.  She took the job, however she was not able to pay her creditors every month.  She had to pay a minimum payment to one in one month, paying another creditor the following month.

A couple in full time employment accepted finance, which they could afford to pay comfortably each month.  However Mrs C was made redundant, and was having difficulty finding a new job.  In addition, the couple did not qualify for income support as Mr C was employed on a full time basis.
For a while the couple survived by using their credit cards to get cash to pay their creditors, which meant that their overall liabilities have increased while their ability to repay the total debt has become seemingly impossible.

Mr D & Ms E had been living together for some time.  They had taken finance out to pay for a holiday and furnish their home etc. Most of this credit was taken out in Mr D’s name.  The couple split up after a year and Mr D was left to repay all of the debts as well as the mortgage and household bills on his income alone.
Subsequently he was forced just to make minimum payments to his creditors, the debts never seemed to decrease.

Mr F, being in full time employment had sustainable credit, with several companies.  He was careful to always include their payment protection option should he ever be out of work.  Unexpectedly he was made redundant and was thankful that he had his payment protection.
He was able to find a new job, but it was on a lower salary and was further from home and he required additional finance to buy a car so that he was able to commute. His new circumstances meant that Mr F was no better off than being unemployed.  He could not resign from this job because the payment protection cover would not pay out again.
Until his circumstances improved Mr F was unable to make the repayments to his creditors and fell into arrears.