Since 2000 to almost £13,000, which means we spent almost 28 of our disposable income, are earnings after tax, paying off these debts. That doesnt even include the mortgage. There is too much across the board because that is what people are dying and we did it about two thirds of the debt is from an increase in consumer credit. We think these figures are cause for concern and we think these are issues we need to be thinking about going into the worrying year for people when youre expecting to see another Living Standards squeeze. While some types of debt might be rising, the Bank Of England says Mortgage Arrears and loan defaults have been steadily declining. Andy haldane and from the banks of the regulator wasnt worried yet. Although the Household Debt ratio is high by historical comparison, it has come down in a fairly sizeable away, but about 20 percentage points. With Interest Rates set to remain low, regulators are worried that we may be taking on too many debts, which becomes an issue if the economy weakens in 2017. The queen has recovered from her heavy cold and was well enough to attend church at sandringham this morning her first public appearance since the beginning of december. 0ur royal correspondent Daniela Relph was there her report contains flash photography. It had been a much anticipated arrival. Driven in a state bentley, it was the first time the queen was seen in public since arriving on the sandringham estate before christmas. Cheered as she emerged from the car, she arrived just before 11 oclock for the Church Service accompanied by the duke of edinburgh. She had missed Church On Christmas and new years day due to a heavy, lingering cold. Those who waited were pleased to see her. We saw her very close up and she looked a little bit frail, to be honest, it is nice to see her. Was really exciting. When you see her you get a little buzz. It is good to know she was coming. She looked bright in the car. The queens speech, recorded before christmas day, was one of the last time the monarch had been seen. She also carried out an investiture in early december. Over the past three weeks she has been laid low. As a precaution, she was advised to stay inside and rest, to help her recovery. The queens attendance at church is a sign she is feeling much better. Her appearance today will ease the inevitable concern and speculation that arose during her absence from church over previous weeks. After church, the queen was driven back to the main house on the estate. She will remain in norfiolk until next month. The singer songwriter Peter Sarstedt best know for his 1969 hit where do you go to my lovely . Has died. The song went to number one in 1a countries and won an ivor novello award. The 75 year old had retired from performing in 2010 due to ill health. Now, in a few hours time this years Golden Globe Awards ceremony gets underway one of the biggest nights in the entertainment calendar, and a first indication of the films that might triumph at the oscars. This time, there are quite a few british contenders. 0ur Correspondent james cook is in los angeles his report contains some flash photography. Hours before the first big Award Ceremony of 2017 and tinsel town is abuzz with excitement. Hollywood likes Nothing Better than talking about itself. This year it has gone a step further, singing and dancing. Youve never seen it . Ive never seen it. Oh, my. You know it is playing at the rialto . Really . Yes. The next contender for Golden Globes glory could hardly be more different. He usually can take care of hisself. He good that way. Moonlight, with six nominations, is a coming of age story. Naomie harris plays a drug addicted mother, and she thinks the industry is Getting Better at telling stories about people of colour. I think there is a fantastic level of diversity this year, and i think its something that is so to be celebrated. And it is a shame that we have to. It almost seems so regressive to have these conversations about race, in 2017 now, that we are still fixated about that. We just want great movies, really. Manchester by the sea is another contenderfor Manchester By The Sea is another contender for success. What the hell do you care where you live . The globe also on American Television which maintains a fascination for the British Royal family. Claire foy has been showered with praise for her portrayal of the young elizabeth. What a role to take on. I know, what an idiot do you know what the royals think of it . No, i wish i did. I wish they would reach out, but we dont know anything, really. In tv, the bbc Coproduction The Night Manager has four nominations. I enjoyed Manchester By The Sea, moonlight. All part of the richness of modern day film making. Moonlight. All part of the richness of modernday filmmaking. This year in hollywood there is plenty of talk of politics. But there is relief from the subjects with a simple Story Harking back to the golden age of film. Which will prevail, we will find out soon. That is all from me. Time for the news wherever you are. You are watching bbc news. Lets return to the news that the former president of iran a has died at the age of 82. Akbar hashemi rafsanjani. He was a central figure in iranian politics for at least a decade and a half, certainly in the 19805. Decade and a half, certainly in the 1980s. He was recognised as being number two to the ayatollahs humanely and he played a central role in the prosecution of the iraq war. He became the president in 1989 and he also played a big role in facilitating the rise to power of the current leader. The two enjoyed and an easy equilibrium, a Balance Of Power for four and an easy equilibrium, a Balance Of Powerforfour or and an easy equilibrium, a Balance Of Power for four or five years before the tensions got too high and the dfid since became too great. Differences. Since the rise of the reformists, his star has been on the decline. I wonder how his influence might be felt in the future . Would he approve of the direction iran is heading in . That is a good question. His legacy will be a mixed one because although he tried hard in his final years to get close to the opposition, they never accepted him. The reformists around the former president , they never accepted him and even the new generation green movement, though also had reservations about him because at heart he was an authoritarian. He was not a reformist and even during his president ial term, in keeping with his neoliberal philosophy he had this chinese model of reform in mind in the sense that the country would remain authoritarian at a political level but it would open up economically and become fully integrated into the global economy. That never worked out so even amongst the opposition, reformists, people who want to open up the iranian system, he was never fully taken on board so his legacy is very mixed. He had lost many of his key connections and his positions and he never fully integrated himself with the opposition. For many of us it was a great and murky weekend. Through the week we will see some sunshine but colder air, particularly later on this week where some of us will see snow. A cold front coming in from the north west. The front itself will generate some heavy rain, some wet and windy weather spreading out to scotland and Northern Ireland. The showers will start to turn wintry. We will see some sunshine for Northern Ireland and scotland developing. That band of Heavy Rain Pushes into the more the North Western parts. Further south and east, it is mostly dry ifa further south and east, it is mostly dry if a rather cloudy start. Most of the fog will have lifted at this stage as the wind freshens up and the rain continues to drive its way southward. Arriving across east anglia later on in the day. Those brisk winds will carry a lot of showers, particularly to west of scotla nd showers, particularly to West Of Scotland where it will fill much colder. The rain clears through overnight and then were into a run of westerly winds which will carry further showers particularly to the north and west. Temperatures close to freezing in one or two places but they will not be too much in the wa ke they will not be too much in the wake of widespread frost. Tuesday, things will cloud up from the west. The cloud will generate some bands of rain pushing in and introduce some milder Air Search Average is beginning to ease, double figures in some Western Areas by the end of the day. By wednesday it is all change again. Mild across southern areas but further north will have a cold front heading southwards. That is a sign of things to come because we will see a plunge of arctic air from mid week onwards. A shock to the system for some, maybe some rain along the south coast but behind that, it turns much colder with snow in Northern Areas on thursday. This is bbc news. Im martine croxall. The headlines at 11 00. The Prime Minister appears to accept that leaving the eu is likely to mean leaving the single market. As britain looks to its relationships beyond Europe Borisjohnson has met members of Donald Trumps team in new york. And in fifteen minutes well take a closer look at this story in the papers the guardian says the meeting marks the first formal contact between a uk Government Minister and the Trump Transition Team since his election in november. In jerusalem, four Israeli Soldiers are killed after a man drives a lorry into them 15 others are injured. The former iranian president , Akbar Hashemi rafsanjani has died he was seen as an influential moderate voice in iran. A man has been arrested after four people were held by a gunman