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Energy firms are said to be sitting on over £3 BILLION of our cash, building up this huge reservoir from the two-thirds of homes who pay by monthly Direct Debit. Yet we're about to enter the PERFECT TIME to stop the rip-off and get that money back – it's all about understanding the Direct Debit cycle.

No one set out to make dealing with finances difficult for people with mental health issues, but rarely did they think about how to make it easy. So there weren't any 'bad actors', but lots of terrible systems. After having had my own 'dark days', I always vowed that when I could, I wanted to try and do something about it. So in 2016, I set up the Money & Mental Health Policy Institute charity. I'm still the chair of trustees today and provide the core funding as part of my charity fund.