audio link
audioboo.fm/boos/672299-hayley-sanderson-argues-with-edwina-currie-on-bbc-5-live
Ms Currie just didn't get it - even if she had been listening properly in the first place.
Haley Sanderson clearly explained that she & her partner had fallen into arrears with their everyday bills during her partner's period of unemployment.
As folk living in the real world already know, in such circumstances you make arrangements with the service providers to pay off such arrears on top of your normal monthly payment. Arrears are often increased by related fees - eg Council Tax court costs.
The couple would therefore be paying a higher total monthly amount for Mortgage, water rates, phone, Council Tax, etc. Meaning that the family is left with a lower level of disposable income, exacerbated by the fact that Ms Sanderson's partner is now working reduced hours. This is not 'borrowing'*
It was also made clear that Ms S & partner had no credit cards, no fripperies (eg Satellite telly). - ie, they were not 'Whooping it up' - or "living life to the full" as Ms Currie put it.
I can't imagine that the couple had a huge income in the first place & their lifestyle more of a balancing act where there was not much money left to 'save' at the end of each month.
Jumping in and advising Ms Sanderson to file for bankruptcy was rather unhelpful, to say the least. In such circumstances, the word 'bankruptcy' would make most people cry, even if common sense told them that Ms Currie was talking utter crap. Which she was.