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Looking for a cheaper credit card, personal loan, help with borrowing costs or your credit report? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now.

Editors note: During the programme it was said that an Individual Voluntary Arrangements (IVA) remains on your Credit File for 6 years from the settlement date, when in fact it remains for 6 years from the date the IVA began, providing that the individual meets all of their payments for the full duration of the IVA.

Demand for credit cards, loans and other unsecured lending in December was the highest it's been since 2007, according to the latest Bank of England survey.

While lenders say the rise is driven by a greater consumer appetite for risk and looser credit scoring, debt charities report that many households are borrowing to pay monthly bills. In December StepChange Scotland raised concerns about people struggling with council tax arrears and payday loans.

If you want to pay less interest on your credit card you might want to consider switching to one with 0% interest. How long do these deals last for and what are the fees?

Maybe you're considering a loan? Where are the cheapest interest rates and how can you make sure you pay your loan off on time?

Are there any fees and restrictions lurking in the small print? Do you understand the jargon?

If you feel that your borrowing is too expensive who can help to reduce costs or negotiate with your creditors?

How do you repair a damaged credit report or make sure that the information held about you is right?

Whatever your question about borrowing Paul Lewis and guests will be waiting for your call. Joining Paul will be:

Kevin Mountford, Moneysupermarket.
Liz McVey, Debt Advisor, StepChange Scotland.
Terry Donohoe, Debt Advisor, Step Change.
Laura Barrett, Equifax.

Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk now. Standard geographic call charges apply.

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