“My wife had to call Mike as I was so down as I was in so much debt and didn’t know where to turn.

I had an injury that had left me hospitalised for three months and people who owed me money didn’t pay. Credit Cards, Inland Revenue, VAT, Business loans and overdraft, you name it I had it – I didn’t dare answer the phone or open letters. My wife asked him to call me which he did at work on my mobile. It was the best thing that has happened to me in a while.

Just pick up the phone, it’s crazy not to as it’s your family that suffer too you just don’t know it.”