"This half-year we've seen a substantial and sudden uplift in demand for advice on unsecured debt problems," he said. Malcolm Hurlston, chairman of the Consumer Credit Counselling Service (CCCS), has spotted an uncomfortable trend. "In the past six ... The first logical place you might want to look for home mortgages is at the bank where you have your checking or savings account. However, this shouldn't be the only place you ought to look.