Jim Pople didn’t have a lot going for him at that time. What with his wife having left him three months back and having to support his children alone - life was tough.

He had mounting debts and was beginning to find it a struggle. It got so bad that he decided to look into debt consolidation as a way of dealing with his money worries head-on.

He visited his local citizens advice bureau and found that by talking about his issues, they became more manageable.