From 'haves' to 'have-nots': how COVID-19 is swelling UK's subprime ranks

One morning, after years of financial prudence and solid creditworthiness, you wake up and it’s all gone. You’re no longer worthy. You’re a risk. In fact, you’re sub-prime.

That is the fate facing thousands of Britons who, often for no fault of their own, could begin 2021 as “subprime” borrowers if they have had more than six months’ of relief from COVID-19 debt woes.