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More than 170,000 Scots are currently in debt to one or more of their utility providers, according to research by the Debt Advisory Centre Scotland.
The study has also found that 1.1 million bill payers north of the border have ignored a bill in the past because they were unable to pay it.
People who pay by PayPoint across the whole of the UK were found to be more likely to be in arrears.
A total of 27 per cent of PayPoint bill payers were in debt to their water companies, compared to only two per cent of people who pay via direct debit.
This was echoed in electricity where 18 per cent of PayPoint payers are arrears, compared with 2 per cent of people paying by Direct Debit, and gas where 16 per cent paying by PayPoint are in debt, compared with 3 per cent paying by Direct Debit.
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