One in five of these people also claimed they were not worried about the possibility of their debts being passed on to their next of kin if they died before they were repaid.
Just over half who owed money said they did not feel in control of their debt, with 8pc admitting they had needed to ask for help with repayments from a friend or family member. Eight out of 10 people also told the research for discount website MyVoucherCodes.co.uk that they thought it was too easy to borrow money through their bank or on credit cards.
Farhad Farhadi, MyVoucherCodes.co.uk's personal finance expert, said: "The majority of British adults owe money in some way, shape or form, but to see that almost a third think they'll never be free from debt is quite alarming.
"When borrowing money from any source, how you are going to repay it should always be in the back of your mind.
"A lot of people don't really think about the consequences of borrowing money and it can be easy to get complacent
, but keeping it all under control should be a priority from the off
. Only borrow what you really think you can afford to pay back."
*run up: 积欠
*unsecured debt: debt that does not identify specific assets that the debtholder is entitled to in case of default（无抵押债务）
*overdraft: a deficit in a bank account caused by drawing more money than the account holds（透支）
*complacent: too satisfied with a situation, so that you do not feel that any change is necessary（满足于现状的）
*from the off: a British phrase meaning, "from the start" or "since the beginning"（从头开始）