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Miranda, Bristol

Living on benefits and eager to please her only child, Miranda took out a payday loan to create a magical Christmas. Only she didn’t have a payday coming any time soon. Once the tinsel was down, the bills started to roll in. And they haven’t stopped since.

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Danny, Manchester

When Danny hit rock bottom, his repayments were £2,000 per month. He thinks he has paid £19,000 back in total. But he was left with nothing but shame and letters from debt collectors.

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Jill, Manchester

Jill was working two jobs to make ends meet when her daughter got sick. As a single parent, Jill wanted to make sure that her daughter didn’t miss out. So Jill took out her first payday loan to pay the bills.

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Jonathan, London

Jonathan started getting into debt at an early age, applying for credit even before he turned 18, and is still digging his way out now.