Financial advice Tom is made redundant from work 2 weeks before Christmas. He has borrowed money at a very high interest rate in order to buy some expensive toys that his children (Karen, 4 years, and...

Financial advice

Tom is made redundant from work 2 weeks before Christmas. He has borrowed money at a very high interest rate in order to buy some expensive toys that his children (Karen, 4 years, and Jason, 6 years) have asked for in their letters to Father Christmas. His wife has recently been ill with stress, and is on antidepressant tablets. Tom collects his benefit from Job center Plus each week, but he is not allowed to earn extra or he loses it. He cannot pay back the loan.