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Former pensions minister Baroness Altmann has voiced her concerns about rising consumer borrowing, as people struggle to afford everyday living by taking on more debt. Her comments come as the Bank of England issue a report telling banks to put more money aside to cover the risk of bad debts. Baroness Altmann told Radio 4's World at One that she was worried that we might be seeing the "excess borrowing and irresponsible lending which ultimately led to the (previous) crash". (Photo: Baroness Ros Altmann, former pensions minister Credit: Getty Images)