When the Birmingham substance misuse service was handed from the local NHS trust to a charity, Carol Rice lost her job amid cost-cutting, just as she was facing deeper debt problems.
The 59-year-old single mother of three had been helping recovering drug addicts and had a second job to try to make ends meet.
Eventually, she hit rock bottom, and turned to Christians Against Poverty, a charity specialising in debt and poverty, in a last-ditch effort to deal with her mounting money problems.
At one point, she says, credit card debts, car finance and a mortgage made her fear coming home because there could be a mountain of unpaid bills and repayment demands on the doormat.
Carol says she got in debt to help her children through un…
Read the full article at: https://www.theguardian.com/money/2017/sep/20/jobless-debt-nhs-payday-loans