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.

Last Monday, I was shaking when I arrived home. That morning, in a personal capacity, I’d issued High Court proceedings for a campaigning defamation lawsuit against Facebook – my aim to stop it publishing scam ads for get-rich-quick schemes, such as those that include my face, which target vulnerable people. 

I consider myself an accidental entrepreneur. A true entrepreneur is someone whose aim is to set up a business or even multiple businesses to make money – a Peter Jones of Dragons’ Den type.