Or if you do, prepare yourself a stiff drink first.

The rules were meant to restrict predatory loans, but hundreds of other borrowers have been caught up in the ensuing mess.

Looking in vain for a PlayStation 5 or a new-build house to put it in? You're feeling the force of two big supply squeezes.

Months of bank statements, detailed employment history, contact details for everyone from your vet to your dad – all real things prospective tenants have been asked to supply, and all legally dubious.

The government has placed a lot of faith in the efficacy of this market-driven solution – faith that some are calling misguided.