There are warnings that millions of Brits will slide into debt this Christmas because of the pressure to spend more than they can afford.
An investigation by Good Morning Britain found that instead of banks, many people are turning to illegal lenders. Almost half of those who've borrowed money for Christmas this year have used loan sharks, with more than three quarters already struggling to pay it back.
It comes as the National Debtline today warned that nearly a quarter of us feel under pressure to overspend during the festive period.
We're joined by Debra Wilson who ended up paying back £88,000 after borrowing just £500 from a loan shark 15 years ago along with Tony Quigley from the Illegal Money Lending Unit.