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First time parents Astra and James urgently need a loan to help them buy a new carpet before their newborn twins come home. They鈥檝e turned to the Newport credit union in south Wales, who will not only loan them the money but will help them save for their children so that their money will grow with them.

In Dunoon, western Scotland, Karen and Allan needed 拢25,000 to set up their fish and seafood smokery, which is now enjoyed by the royal family. As well as supplying supermarkets and restaurants, their produce was chosen as part of the evening meal at Prince Harry and Meghan Markle鈥檚 wedding.

We also meet businessman David, who lost a fortune from a bad financial decision. He had to start again from scratch and needed 拢10,000 loan to set up a new business customising and caring for luxury cars.

While a 拢1500 overdraft may not seem like a life changing amount of debt, for student Molly, who couldn鈥檛 find work after graduating, it made her homeless and forced her to be apart from her son. A loan from a credit union in Cardiff saw her learn to drive and enabled her to find work further afield.