Harry Potter's got nowt on the pharmaceutical industry. It's full of real wizards - both those who make drugs that help, and the marketers who have a raft of tricks to persuade us there's hidden magic in their brands. Drug companies spend millions promoting 'only-use-the-name-you-know' messages... but it's often marketing baloney, balderdash and any other 'b' words you can think of.

Like everyone else, over the years I’ve had a good number of spam texts and calls telling me I was owed “£3,728” or whatever their baloney lie is (these neither mean you aren’t or are owed PPI, they’re just random spam). And occasionally I’ve had the odd call, usually those auto-dial auto-message horrors.  

Mental health and debt are a marriage made in hell. You are up to four times more likely to be in debt crisis if you or your partner has a mental health issue. The treatment time for clinical depression is said to be exacerbated by up to 18 months if you also have financial issues.