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At their worst, the speaker's debt exceeded £100,000, including 13 credit cards, four loans, car finance, and an overdraft, primarily due to living expenses and luxuries. After their business failed and they began missing repayments, they explored the Consumer Credit Act, which outlines UK credit rules. They meticulously reviewed the act to identify potential mistakes made by their creditors in the paperwork. This led them to take action against their first lender by drafting a letter addressing these discrepancies.
