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People need to be encouraged to save, while fees and charges could be bigger problems for many debtors than their interest rates, said Yvonne Fovargue, who chairs the All Party Parliamentary Group on Debt and Personal Finance.

While financial expert Martin Lewis spoke of a "mortgage ticking time bomb" with people likely to default when interest rates rise.

They spoke to Daily Politics presenter Jo Coburn after the Bank of England warned about the UK's consumer debt, and shadow chancellor John McDonnell announced plans to cap the interest that credit card companies can charge people.