Patrick Foster

And there's this sort of secrecy that makes it really, really complicated.

And often people are worried that people are going to, as I say, be angry.

Yeah.

And so often they're not.

I borrowed money in every way you could possibly imagine.

So when I first became a teacher, I probably had as much disposable income because although I was not being paid as much, I was living actually in school accommodation.

So I didn't have as many outgoings.

But basically what I started to do is I started to borrow money in all the sort of

I guess, traditional ways in that I would start with loans.

I then went to credit cards.

Then once that had run out, I then started to use payday loans.

I then started to borrow money off loan sharks, gangsters, drug dealers.

And then once that had...

kind of all run out and I'd exhausted all those mediums I then started to turn to individuals and the reason I was able to turn to individuals is because ultimately

Being a teacher in a school like I was, I was surrounded with or by people that had a lot of money.

And basically one day I was so desperate for money, I thought, you know what, I'm going to send an email to a parent and basically explain that I've...

had some issues financially, would they be able to lend me some money and that I'd pay them back, agreed terms, knowing that these people probably had the money to lend me, that they liked me, they respected me, they were probably worried about me.

And this parent did.

And suddenly I was like, oh, my word, this is... A new source.

A new source that is not unlimited, but...