Just when I couldn’t cope anymore, I heard about CAP through another parent at school. I was a little apprehensive about whether they would help me because I’m a Muslim, but when Stephen (CAP Debt Coach) came, I felt so comfortable and never felt judged. I just cried with relief when he left.

Stephen organised a budget for me and talked to the people I owed money to. The CAP Account is brilliant, I pay what I need for my bills and debts and everything I’ve got left is mine for food and essentials, and I’ve got savings.

I have a life now, it sounds melodramatic but it’s not. People say I have changed and that I’m not always stressed anymore, which is true. I’m happy and content again now, which I never thought would be possible again.