For Kelly it all started with £100. All she needed was some extra cash to make sure her kids could have a decent, healthy meal.
A friend of a friend who lived round the corner said she could borrow the money she needed, and give it back once Kelly got paid at the end of the month.
It seemed so simple. But three years later, the mum found herself owing the woman over £40,000 - despite only borrowing around £2,500 from her. READ MORE: 'I spent a day at the place you call if you're in debt.
It was truly harrowing' Her monthly repayments had stacked up so much that Kelly considered jumping off a bridge so the woman couldn't come after her.
Read more on manchestereveningnews.co.uk