Overview
- Kevin Duala told viewers he had been up to £20,000 in personal debt during a stretch of self-employment with uneven pay.
- He said small loans, a maxed overdraft, and borrowing to cover his mortgage and tax bills locked him into a vicious cycle.
- The stress left him ashamed and withdrawn, and he said it hurt his relationships and his work.
- After a cash machine kept his bank card, he called Citizens Advice, who linked him to a debt charity that guided his six-year repayment plan.
- He shared steps for others, urging a full list of debts, a simple budget, and free support from groups such as StepChange, National Debtline and Citizens Advice.