As millions feel the pinch from the cost of the living crisis - where do you turn when the ends don’t meet?
For many of those struggling, it's loved-ones, or credit cards perhaps.
But for more than a million people in the UK - thought to be a conservative estimate - the answer is loan sharks.
We've been speaking to those who've had their lives turned upside down after borrowing from illegal lenders, and following the work of specialist detectives trying to tackle a crime that takes its toll in more than money.
In this special report, we've changed names to protect the identities of those who shared their stories, and a warning: there is flash photography from the start.