This is a story about worthy causes...

How do you decide who is worth helping, and who has made their own problems? It's easy, right? People who drink and take drugs are the architects of their own misery, or so we think. Homeless people have to be clean & sober before they're worthy of our help and support. Alcoholism and addiction aren't symptoms, they're the root cause of problems, we believe.

But what if we got it wrong? What if people drink and take drugs to escape problems? What if people's lives are so miserable and hopeless that they need something to anaesthetise the pain, the discomfort and the fact they're treated like dirt, shunned by society and even their own friends and family.

Once somebody has the label attached to them as a waste of space, a lost cause, it's hard to shake it off. We don't like to see our own shortcomings, our own demons, reflected back to us in the eyes of the suffering addict, alcoholic. We'd sooner that the person just disappears into obscurity or dies, so that we can repaint them in some kind of idealistic light. We want to remember them as an innocent child, and having them hanging around as a living adult is rather inconvenient. The living embodiment tarnishes this false image we want to remember.

Some homeless people have poked fun at the ridiculous notion that giving them money will only 'enable' them to continue with their habits. We see images splashed all over the internet of signs begging for money to spend on drink & drugs "but at least I'm not bullshitting you" the signs say. This is confirmation bias. We have preconceived notions about a homeless person, a bum, a junkie... we find it hilarious, and pleasing, to see a sign that confirms our prejudices.

When I met Frank, he was keen to tell me that he wasn't an opiate addict. Because almost all of us have an innate fear of needles, the heroin addict is very bottom of the pile. Almost every non injecting drug addict will tell you "at least I'm not a junkie" as if it somehow makes them a better person. Every stoner will tell you "at least I don't take hard drugs". Every alkie will tell you "at least I don't take drugs". Every person on antidepressants or anxiety medication will tell you "at least I don't drink". There is a clear hierarchy here, but it's no different than a bullied person finding somebody weaker than themselves in order to bully, in order to make themself feel better.

This infighting amongst humans is uncivilised, inhumane. Where did the empathy go? Where did the sympathy go? Where did all this ignorance come from?

You really think you could make things any worse by helping? In actual fact, charitable giving is far more likely to make you feel smug about yourself, and feel like you've done your bit for society, so you don't need to feel guilty about your comfortable existence. The fact of the matter is though that going on a sponsored fun run was something you wanted to do anyway. The fact is, that the coins in your pocket aren't amounting to even 1% of your wealth. You're buying a clean conscience very cheaply.

To actually sit down with people, hear their story, get involved in their lives, take a risk... that's a big deal. We all have busy lives, so who has the time to do that, and aren't charities so much better, more qualified? Well, no, not really. Charities have salaries to pay. Charities have offices and need to pay bills. The amount of money that actually reaches the front line, through charitable giving, is clearly not making any difference. The levels of poverty and deprivation are bigger than ever. The rich:poor gap is the widest it's ever been.

Economists trumpet the fact that a large number of people who were living on $1 a day are now living on $2 a day. An increase of 100% in somebody's wealth sounds like a lot in percentage terms, but would you honestly feel happy if your pay rise for the last 10 years was just $365?

Perhaps we should just be happy and content to even have a job. But why? Why should we be content to live with insecurity? Why should we "count ourselves lucky" to have a job where we're exploited, and we don't even have enough money to comfortably pay our rent and bills and have anything left over in case the car breaks down?

Don't you think that living with Damocles Sword dangling over us is unhealthy? Worrying about unemployment, and the ensuing rent arrears or mortgage defaults is not a healthy way to live. The stress and anxiety of working all hours, commuting for long distances, being away from our families, the uncertainty over our finances and the security of our homes and livelihoods... surely it's this constant stress that's destroying countless numbers of people's mental health.

We can't shy away from the fact that there's a mental health epidemic. 5 million Prozac prescriptions get written in London alone, every year. A quarter of Londoners feel like crying on public transport at least once a week.

City living can be isolating and lonely, but it doesn't get any better outside of London. There are less jobs and wages are lower outside the capital. Rents are a bit lower, but bills are just as high, and public transport isn't as good so you probably need to own a car to get to work. Food costs much the same wherever you are in the country. Many towns and suburbs can be just as isolating, and there's always the fear that you don't want your friends and neighbours finding out how unhappy you are, how stressed and anxious, how depressed.

If you live in some poxy little town with only a few major employers in the area, you can't risk burning your bridges. If you get sacked because your mental health got unmanageable, you can potentially make yourself unemployable in the place where you live. You can potentially end up labelled amongst people. If it gets really bad, you can be known to friends and neighbours as a "troubled" individual. You'll be a joke, a laughing stock.

London offers some anonymity at least, and a much bigger pool of jobs, to compensate for the fact that you can feel totally overwhelmed by the impersonal and seemingly uncaring nature of the dog-eat-dog rat race. People do stop and listen, and can be very kind and compassionate. Sometimes, it feels like we're all clinging onto the pieces of our wrecked ship in a storm. There is gratitude when you connect with another person who understands the sheer terror of facing a hostile world, out to label you, to shun you, to try and trample you.

In a way, London has led the way for the country to adopt a kind of blinkered attitude, where we're all working too hard, and our communities have been destroyed, families pulled apart by the need to spend hours at work, commute long distances and live with unbearable stress. However, London has passed the point where it was completely unable to continue any more, and I actually find it far friendlier and caring than anywhere else I've been.

London has provided, where even my own family has failed me.

Many homeless and addicts are fleeing a life of blah

Tags: #homeless #frank #addiction #alcohol #drugs #london #mentalhealth

This is a story about things that can't be changed...

London represents opportunity to me. People talk about the streets being paved with gold, and this city has always provided for me, when I've been going through hard times or thought I had reached a dead end.

Obviously, it's people not the place, that has meant that I've had a roof over my head, and the chance to work again, when I would otherwise have sunk, stagnated, rotted and died.

I've been very bitter about my ex-wife and parents, who haven't helped, and have even been obstructive. The bitterness is partly because I've not yet been able to have a sustained period of recovery, to show to those who have helped me that it was worthwhile.

I've considered going back and deleting or editing some of my bitter, angry rants at people who've let me down, obstructed my recovery, even injured me and taken me away from friends, work, my life. It's obvious to me how stuck in a rut I am, how boring and repetitive I've become, how obsessive and negative I sound.

There are several challenges I've set for myself at the moment:

• Get back to work
• Fight depression
• Tidy up a load of administrative loose ends
• Stay 'clean'

It probably seems like I'm making mountains out of molehills, having a storm in a teacup, but there are few words to truly convey just how dysfunctional my life was. Post was shoved out of sight, bills piled up, finances got in a terrible mess, out of contact with all my friends, conflict with my family. The threat of bankruptcy and homelessness was imminent, around the clock.

I know that you have probably had times when you've worried about making ends meet, how you're going to pay the bills, how you're going to pay the rent or the mortgage. I'm sure you've felt like you're not going to do it, that you're going to fall on hard times and be evicted from your home. Try living like that for a few years, and see what your stress levels are like.

A lot of my bitteness stems from the fact that the depths I sank to, the problems I've had to overcome... a lot of it was so easily avoidable. A very small handful of people just had to honour their commitments, their word, their duty and their obligation as supposedly decent human beings, and my situation could have been very different.

However, I need to move forward. I don't feel in a particularly forgiving mood, so instead I'm going to blame myself. I'm going to blame myself for trusting people. I'm going to blame myself for taking people at their word. I'm going to blame myself for thinking that other people were dependable, reliable, trustworthy, pleasant, decent human beings.

I can improve on that. I can actually say that I learned some important life lessons. "In sickness and in health" are just empty words to some people, and some parents are just terrible, terrible people. My faith in humanity is damaged, but I will probably benefit from becoming cynical, untrusting, negative, selfish and unreliable... just like them.

I need to make it clear here that I'm not talking about all those many people in London, who have been my friends, my support network, my saviours in my hour of need. London has provided me with clothes in hospital, where my parents have left me for dead. London has provided me with a dry roof over my head, where my ex-wife would see me go homeless. London has provided non-judgemental friends, where others have recoiled in prejudiced horror at the propaganda pedalled by my ex and my Dad.

One of my great sadnesses is that where these worlds have collided, and the chaos and trauma that I have been through has overspilled into all areas of my life, long-standing friendships have been damaged. I can not and will not criticise my friend, who made me a guest in his home, for the fact that he believed things said behind my back, which his naïvety led him to believe, but it's hard to know how to fix things up between us.

There's a saying amongst people dealing with mental health issues:

Nothing about us without us

It's quite simple really. You have no idea what a person is going through, when they're suffering the chaos and trauma associated with mental health issues (including substance abuse) and 2nd or 3rd hand information is just tittle-tattle, and will not help anybody.

It sounds like I'm ticking my friends off, and I'm really not. Where people have tried to help, I have nothing but gratitude. I don't expect people to understand, to make allowances, to go out of their way to educate themselves. I have no entitlement, beyond the basic human decency of not making assumptions based on stuff that's been discussed behind my back, but I can understand that there might be honest good intentions.

This is all starting to sound rather paranoid, confused. Yes, that's the psychological damage that's done when you overhear hushed whispers about yourself, and news spreads via gossip and contact behind your back that you aren't party to.

As a sick person, I felt like a failure. I blamed myself for being defective, and later for 'choices' I made. I viciously attacked myself, criticised my inability to cure my ailments and restore my former stability, reliability, order in my life. When you feel terrible about yourself, you carry a huge burden of shame. You try and hide yourself away, minimise your footprint on the world, withdraw from human contact and the public gaze.

It's very strange, pretending you don't exist, because you're ashamed, embarrassed. You live in fear of anybody discovering that you're not well. You live in fear of anybody finding out how much of a failure you think you are. Of course, this breeds paranoia. Of course, you are hypersensitive to people talking about you behind your back.

Of my friends, there's no blame here. They tried to help. They wanted to help. Their motives were good. They aided. They helped, they didn't hinder. I have only regret that I haven't yet been able to use the patchwork quilt of support that I've received to put it all together into something more positive... yet.

Certain beginnings haven't reached the end yet. This story's not over

Tags: #london #friends #parents #divorce #bipolar #depression #mentalhealth

This is a story about life support...

I was in a metaphorical coma for 4 years. I was virtually on life support for the first 2 years, and then I woke up to find my wife and parents trying to turn off the 'machines' that were keeping me alive. Shame on them. I gave up on life and spent the next 2 years at death's door, in and out of hospital.

The first 2 years, there was nothing anybody could do. Having suffered 6 years at the hands of somebody so unfaithful, cruel and abusive, my body & mind finally gave out on me. I cracked, collapsed, capitulated. The crash was inevitable. You just can't abuse somebody for so long and expect them to just suck it up.

Two years might sound like a long amount of time to 'care' for somebody, but if all you're doing is going on dating websites and taking holidays using my money then it's not all bad. I don't even care about the money. I'm open hearted. I pay it forwards. If you take and you don't give back, then I know that you pay a debt of guilt. I know that if you have a moral bone in your body, you know what the true balance of karma is.

Actually, not a lot of caring went on. During my first hospital admission, my ex-wife didn't even ask about visiting hours, the phone number to contact me or bother making any plans to come visit. The moment I was admitted to hospital, she jumped right on those websites and started arranging to meet people. What a c**t.

Oh, sorry... I'm not supposed to be bitter about stuff. Yes, I'm supposed to be the punchbag. I'm not supposed to have feelings. I'm supposed to be a pincushion. If you prick me, I'm not supposed to bleed. I'm supposed to be inhuman. But insofar as I can tell, I'm very much human. Sorry about that.

I suppose she's human too, although it's hard to imagine when she treated me so inhumanely. I suppose she was probably a sex addict or something. Definitely some psychological problems, but who am I to judge? I'm just the guy who was nearly killed by her narcissism and selfishness.

I wonder how you can move on like that. Destroying somebody, putting them in hospital, and then just immediately thinking about the next victim. I wonder what kind of callousness, lack of empathy, psychopathy, allows you to expend a human life and move on as if it was nothing.

I suppose if you've decided that you want another boyfriend or husband because you don't like the one you've got, the best thing to do is probably abuse them until they kill themself. It's a lot quicker and easier than just breaking up with them. I guess she had moved on, which is why she thought it was OK to go on dating websites while I was fighting for my life.

What difference does having a supportive partner make anyway? What difference does having supportive parents make? It can't be very much. The parents should just support the partner who's going to be bereaved and help to finish off the sick and weakened person. Yup the sick person is a lost cause, so it's a good idea to hurry death along a bit.

My parents initially refused to help at all. They refused to help either of us. Then they started abusing me too, but I can see that it was probably an ill-advised attempt at 'tough love'. Well guess what? I'd had my fill of tough love having my face smashed in by my partner.

Then my parents did what she wanted, which was to get me out of the way so she could go on dating websites as if she was single and had managed to buy a house on her pathetic salary. Yes, she quite liked the house that I paid for. She did let me have the deposit back when we divorced, but only because my solicitor fought for it. I just wanted my life. I told her to take as much as she wanted, and horrifyingly she wanted it all, including my life!

Perhaps this horrible treatment had something to do with prolonging the first terrible 2 years. I was a bit like a car running on 3 cylinders, spluttering and coughing, kangarooing down the road. There were opportunities for recovery. There were periods of improvement. However, the toxic atmosphere still persisted. You just can't recover when your partner wants you dead and your parents are co-operating with them.

I'm pretty canny. I know how to choose my battles wisely. I knew that it would drive me insane if I tried to battle the abusive shits head-on. You just can't win a battle where you're outnumbered and weakened. If you want to live, you need to curl up in a ball and protect your vital organs, and wait for the blows to stop being rained down on your head. You need to play dead.

So my ex-wife took her loot and ran for the hills, leaving me bruised and bloody in the gutter. I don't begrudge her taking her share. She paid into our joint finances, and took far more than that, but it's not her fault that she's so sick that she can't do the basic maths. She felt entitled, to damages perhaps? But it was me who was damaged. It was me who was left fighting for my life. It was me who was nearly dead.

I just wanted her out of my life after she said she'd rather I was dead and marked my suicide note in red pen, with loads of abuse all over it (she's a teacher, you see... so that's OK, right?). She was homocidal. I'm not saying she's a murderer (that I know about) but it's pretty worrying behaviour. Certainly a breach of the "in sickness and in health" marriage vows we made to each other. What a c**t.

Oh sorry, almost a bit of bitterness there. Except it's passing now. Now that I know that I'm free, and I'm alive, and I'm somewhat recovered from where I was 2 years ago, when we finally separated. It was a very close call. Apparently probate is a lot easier than divorce. That was her preference anyway, to be widowed rather than divorced. That's what she said to me. What a c... oh, hang on, I'm now starting to feel pity for her, rather than bitterness.

Yes, I'm wondering what could drive a person to have such careless disregard for a human life. It's rather worrying. She must have had some pretty horrible stuff happen to her as a kid. Yes, I really pity her. What a sad messed up person. What a shame. She is very smart and I found her very attractive, although a lot of people wouldn't fancy her. I was totally in love with her, even though she was very hard to love.

I really hope she learnt some stuff from our relationship. I know that I did. When a recent ex-girlfriend started throwing abuse and plates and knives at my head, I dumped her immediately. She was a feisty Italian lovable little thing, but there's no future for me with somebody who thinks that kind of abuse is acceptable. When another girlfriend started using abusive language towards me, I told her I didn't like it and asked her politely to stop, and she did. That seems more normal to me, more healthy.

I think alcohol and drugs can be dangerously disinhibiting. I don't think my Italian ex was drunk at the time but she was probably high on drugs or on a comedown. I have no idea. It's just an excuse anyway. Those things are not changing your character, they are just revealing what lurks beneath the surface. They are showing you what that person is really like, under the surface.

When you get drunk or you get high, you are testing yourself to the limits. You are effectively putting yourself into an extreme situation that would never occur in normal life, except during exceptional circumstances. You are switching the mode in your brain to a state that it would normally only enter because of a response to something very unusual.

By taking drink or drugs, you are going to trigger fight or flight responses in yourself. When I got very upset with my ex-wife, I used to get in a taxi, or drive to an airport. I'm a lover not a fighter, so it's the flight response, not the fight response, that gets triggered in me. I left our joint birthday party in 2006 because she was having a tantrum and saying she was having a horrible time.

I called the cab for both of us, but she was having such a horrible time that she wanted to stay, so that everybody could see how horrible it was for her, having a massive party. What was horrible for me was seeing the girl I loved very upset. I was trying to take her away from a situation that she was telling me was horrible for her.

Another time, she was having such a horrible time, sitting on a sofa with my friends, with me excluded for some reason. It was so horrible for her, having all these friends around her, caring about her. It must be so horrible to be loved by somebody who cares and wants to make you happy and protect you from horrible things. That must be horrible. I drove to Gatwick Airport, because I didn't know what to do. The flight response.

Yes, I fly, I don't fight. I can fight, but I won't. I will take flight. Fighting doesn't achieve anything. Flying gets you out of the situation of conflict and stops anybody from getting injured. It's the more evolved response to a stressful situation.

I flew us around the world many times. That was my solution. I paid for tens of thousands of pounds worth of flights, to keep her happy, to keep us happy. She was very hard work, and had very expensive tastes, but she was worth it and I don't regret it. I loved her to bits.

It kind of works, having 5 star holidays all over the globe. I remember her having an absolute meltdown every time something would go wrong with our travel arrangements, and I would just have to quietly move her a safe distance away, and then go and use a charm offensive to repair the damage caused by her sour face and tantrum, before negotiating what she wanted.

Holidays were very stressful. She wanted a camper van when we went to Hawaii. The poor people who ran the camper van company just wanted to have a relaxed Christmas break, and when their camper van broke down, there wasn't a mechanic on the island of Oahu who fancied fixing it during the holiday season. I had to bust my balls, and theirs, just to keep her from throwing her toys out of the pram. It was hard work.

That's just one example. Every holiday, she was very demanding, and I was her personal tourguide, smoothing things over with the locals. Yes, she was very organised, officious, but that's not the way the world works. Things go wrong, and things don't run like clockwork. I remember getting wound up when taxi drivers would stop in the middle of the road and talk to each other in remote windswept locations that hardly any Europeans ever visit, but then I realised that it's important to embrace local culture. It's important to go with the flow. I learnt some patience, some humility.

Yes, you can go to a place and splurge your cash and expect to be chauffeur driven around by a man-servant. However, when I asked her, she said she wanted the authentic experience. As her personal tour guide, I delivered what my client asked for, always. I think she really liked the local bus we caught in Egypt, packed full of farmyard animals and cargo, with the passengers who just wanted to discuss English Premier League football with us.

Travelling is hard work, and it's stressful, when you're the one who has to figure stuff out on the ground and actually deal with the language and cultural barriers. Getting stroppy and telling people that you're disappointed and "it's not good enough" really doesn't get you anywhere. Tact and diplomacy are the order of the day.

I hope my exes enjoyed their holidays. I really poured my heart & soul into making sure they had a lovely lovely time.

13,796ft high, at the summit of Mauna Kea. Trip of a lifetime. Was she grateful? The fact she wanted me dead would suggest not (December 2012)

Tags: #divorce #suicide #depression #mentalhealth #bipolar #frankie

This is a story about my best friend...

The first 10 years of my life were pretty lonely. Then along came my best friend in the whole world.

Naturally, my parents were harshly critical of me for not being some male nanny, perfect parent type figure. I was, strangely, more of a brother to my sister. That was a disappointment to them. They thought that having more children meant more free time to get drunk and take drugs.

Anyway, let's ignore my parents. They were very much of the Victorian mindset that children should be not seen and not heard. Maybe it would have been better if children were not born, but I'm very glad that my sister was. Having a sister is the reason why I'm clinging onto life with my fingernails.

Having a 10 year age gap is a bit strange, but I think it's kinda got advantages. My parents can't be bothered to imagine how hard it is being a young person today, and they get a particularly warped view because I was always very independent and a high-earner from the age of 17. Sadly, the opportunities for the majority of young people are rather bleak.

Yes, the challenges faced by me and my sister in day to day life are really chalk and cheese. While I battle with my mental health, in order to be able to work, my sister also has to battle a highly competitive job market and low pay. While I have to ensure that I earn enough during my hypomania in order to survive during my depression, my sister has to stretch her budget beyond any feasible limit.

Yes, our parents generation really screwed things up, and life is very hard for my sister. I went through a horrible divorce that nearly killed me, but that was due to a single vicious and mean person who had not a care in the world for human life, and couldn't act with a single shred of decency. My sister not only has to deal with a horrible divorce, but her rent & bills as a proportion of her income are totally unmanageable. That's not her fault. She works 6 days a week.

So, tomorrow, during the Chancellor's Autumn Statement, tax credits and other benefits are going to be cut. People like my sister are going to be horribly affected, and there's no way she could possibly work any harder to fix her own finances. She rents a very modest property for her & my niece, she works 6 days a week, she's very dedicated to her job, there are no better paid jobs... she is being shafted by politicians and society.

As a working mum, who did nothing wrong and is doing everything right, why should she have even more financial woe and stress heaped on top of her? She's working her arse off but she is being destroyed through exhaustion and stress, by a government that just doesn't care about the wellbeing of its citizens.

The net result is pretty much what the Tories want. My parents will have to work for longer and have less money in retirement, in order to support their daughter and granddaughter, despite the fact that they've worked hard all their life and their daughter is already working 6 days a week. That's bullshit.

Our family has not racked up huge debts buying crap. Our family has saved money and bought property and done all the things we were supposed to do. We've played by the rules of society, and my parents and sister have ended up diddled by the system. They paid in, with their income tax and their national insurance and their council tax... they're not acting like they're entitled.

My parents just want to have their pension. My sister just wants to work. My niece just wants to be a toddler. It's outrageous that my parents' pension goes to pay my sister's bills. My sister's 6-day-a-week job is not enough to pay for her bills. My niece hardly gets to see my sister because she's working so hard. Is that the kind of society you want, Tories?

Throughout Britain we see examples of how people are being asked to fend for themselves. While the richest members of society contribute a pittance of their net wealth, so many are having to dip into their life savings, their pensions, just to survive. I actually phoned JPMorgan's pension scheme administrator to ask if I could have any money released for hospital treatment I desperately needed, when Camden council bungled my case yet again.

I've managed to limp through and get myself to the point where I have survived an ordeal that would have killed most people. However, I had to borrow money to do that. Why am I borrowing money to pay for lifesaving treatment, when I have paid staggering sums in tax and National Insurance? It's all been pissed away on tax breaks for the wealthy.

Why should the National Health Service be facing a funding crisis, because we wanted to line the pockets of the super-rich? Why should state schools suffer? Why should our brightest children be cutting short their eduction and looking for crap jobs because we wanted to make the rich richer?

We are asking each generation to work a lot harder than the last. Our grandparents lived through a war, so they knew about austerity. They knew about make do & mend. Unfortunately, too few of those people are in positions of authority now. Their kids - my parents generation - think that life is easy, because they lived through the post-war boom. They are wrong. Life is hard.

So, take a note of the date and remember that today was the day that the government went too far. They cut too deep and they hurt people who were already hurting. They scapegoated the wrong people.

Anger will rise up. It will start with the young people who have been frozen out of the job market, who are marginalised and demonised by the media. It will spread to the hard working mums who are struggling to balance the books already, struggling to stretch their budgets. Then it will hit the grannies who are providing free childcare and cash handouts from their pensions in order to keep their kids and grandkids afloat.

There will be a groundswell of public opinion against being told how to live our lives with more frugality from some vintage wine swilling toffs who like nothing more than to admire each other's art collections, and ponce around the country telling the great unwashed masses to stop complaining. Let them eat cake, right?

Things are a lot worse than you can see from within the echo-chamber. Get your head out of the statistics. Get your arse out of your Tory party circle of friends. You're out of touch with reality and it will come and bite your ass.

The problems in society are being masked and things will come crashing down quicker than you can say "Poll Tax Riots".

That is all.

Tags: #politics #childhood #parents #civildisobedience

This is a story about reaching the limits...

We are about to enter a consumer debt crisis. Credit Crunch 2.0. How do I know this? Well, I don't see any joined-up-thinking in retail banking, but I do see all the signs of a bubble about to burst.

In Germany, there is a central system that tracks what money is owed between every company. When you raise an invoice, you enter it in the system, and that way, you can see who owes who, and how much. You can do something called netting where all the balances are totalled up and you can then see exactly who's in debt and who's in credit.

The Germans have got that spot on. We need to know where the bad debt is, so we can contain toxic companies that are trading recklessly.

We don't have anything similar for consumer debt.

The credit-scoring system is only useful when people are applying for more debt. When they get into a debt crisis, they only show up when they start defaulting on their loan repayments, get to the limit of their overdraft, can't make their credit card minimum payments, default on their mortgage etc. etc.

I worked in Debt Management in 2012 and I listened to many phonecalls with ordinary individuals who didn't do anything reckless, but got caught in a debt trap. They were encouraged by consumer lenders to take out more loans to cover the last loans, and then payday loans to cover the interest, and before you knew it BOOM they were as good as bankrupt.

Personally, I hadn't been in debt since the age of 19 or so. This is unusual. I paid the deposit on my house. I paid for my wedding. I paid for my cars. I paid for our holidays... all with cash I had personally saved. The only way that was possible for me to do this was with way above-average earnings. This would have been impossible for anybody who was earning average wages.

I didn't really know what it was like for an ordinary person, living on an ordinary wage, in an ordinary way.

There was a huge amount of interest in my Debt Management startup, when I tried to found it in 2013. People still email me about it today. People still remember. I only worked on it for a short amount of time before I was consumed by my own ordinary life event - a divorce - which tore my stable world apart.

I wanted to let out our house, so that we had steady rental income, and I was able to defer the stress of financially settling the divorce until I had re-established myself back in London. I begged my wife to allow me to secure my life before she rained fire and brimstone on my head. She undermined everything I tried to do to protect myself.

By the time 2014 started, I had managed to keep my finances ticking over with Bitcoin trading, but she had wrecked me. When the house sale money eventually came in, I was in no fit state to work. She had destroyed me. I could have sold the house in 6 weeks. She managed to drag it out to 6 months. It was fine for her, she was staying in Bournemouth and she had a job. I had to rebuild my entire life.

I had a huge cash pile, but I had been stress tested to the limit and beyond. I couldn't work. I had to go to hospital. I was a wreck.

So, I ended up spiralling downwards. I didn't borrow money, but you sure rip through it if you're unwell, living in London and trying to support yourself getting better. Especially if you can't afford to sit and wait for state support. It was a Catch 22. London is where friends and my work network are, but it's certainly not easy to get any help from over-stretched boroughs. I had to turn to the private sector. That cost me a lot of cash.

So, I don't really qualify for state support... that's right. Why should I take something which I could afford to pay for privately? Only I couldn't really afford it... I got well, but then I had no personal safety net any more.

I spent all my money keeping myself alive. I had yet to thrive. 

Other people are very good at spending my money. My ex totally forgot that I paid for everything. She felt entitled. My ex flatmate, John, went overbudget on a flat that he didn't pay a penny towards, and even took some of my furniture with him when he left. He felt entitled.

Why do people feel entitled to come and pick my pocket? I've got nothing left.

The banks have done very well out of me and I've defended them. I've not claimed my PPI that I'm entitled to. I've not frozen the interest on my loans and had unfair credit charges refunded to me. I could - in fact - just throw down my tools, and say sod this for a game of soldiers. I'm trying to prevent a domino-effect of systemic failure in the banking system, which would see bank runs and total carnage as the whole system deleverages in an extremely inelegant way.

I'm trying to help my masters avoid such a crisis, but I feel like ground zero at the moment.

I need to go to work tomorrow, but I can't. I'm not well. I have been stress tested to the limit, and it's broken me.

Poor Frankie lost his home, which was his castle. Look how relaxed and happy he was there in his lovely big bed (June 2008)

Tags: #divorce #mentalhealth #frankie #banking #career