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"Mrs Bennett, you have 7 days, or we will take your house." I still remember the exact moment my life completely changed. My name is Sophie Bennett. I'm 35 years old. I live in Manchester, in the Wythenshawe area, with my husband William and our two children: Lucy, who is 9, and James, who is 6. William and I moved to Manchester 10 years ago from Canterbury, a small town in the south-east of England. We arrived with two suitcases and just hoped we'd somehow figure things out. At first, we took any work we could get: cleaning, warehouses, deliveries. Anything just to get on our feet. After a couple of years, our lives finally got on track. I landed a job as an administrator at a bank, and Liam became an electrician. Life was quiet and stable. When we were moving to Manchester, we sold our three-bedroom flat in Canterbury, which had been inherited from my husband's family, and bought a small two-bedroom flat in Wythenshawe. And 3 years ago, we decided to finally buy our first car. We bought a new BMW 5 Series 2025 for £90,000 on finance. The initial deposit was minimal, so we had to pay around £2,000 every month. It was a bit tough, but we were managing. That’s how we lived. Until the winter of 2025. In September, the bank announced a restructuring. Half of the administrative staff were laid off. I was among those who were made redundant. I immediately started looking for a new job, but it turned out there were almost no vacancies in my field in Manchester at the time. Everywhere either required a full degree in economics or was looking for younger people willing to work for minimum wage. I went to interviews, but every time they chose someone else. At the last one, they told me: ""We'll call you."" I know perfectly well what that means. William took on every extra job he could, working day and night. But it still wasn't enough to pay our bills. Overdue payments started piling up. One month. Three months. Eight months. The bank called every day. Then r
