Unaffordable debt wasn’t the only thing keeping Eugene Costello awake at night. He was beset by guilt at what he had done to his best friend, Adam.
Eugene, 55, had fallen on hard times and taken out a £5,500 loan, for which Adam agreed to act as guarantor.
When Eugene could not keep up the repayments, Adam found himself in the lender’s firing line.
‘The loan company was on to him with aggressive payday lending-style tactics — really high-pressured —