Payback time

What do you do when a parent says they cannot pay the fees? Jackie Nunns offers guidelines to deal with this sensitive issue and make sure your club doesn't go bust Consumer borrowing in the UK recently crashed through the £1 trillion barrier. About 80 per cent of this is due to credit card borrowing plus loans and mortgages and interest rates are rising. For most individuals being in debt is a short-term problem, but 5 per cent of the nation is in serious debt and families with young children are high on the list.