Spirit of Salt back then you used to be able to get 110% mortgages 🤦‍♀️ so ridiculous.

Yes the credit system is totally upside down .

She has clearly lied about her income.

This is why we now have prove of income because of idiots like this women

This documentary is what 15 years old? Money had a lot more value then. It was so much cheaper to live.

Aww this is so great! I’m so happy for her, I love a good turnaround. ❤️

These are my cousins ! She lost a lot of weight, they got married and had a child, they got rid of all the debt and own 2 houses :) she is a volunteer at the soup kitchen and also has a really good Job now !Couldn’t be prouder :)

Jonathon Smith that’s so great to hear. How old is she now?

Ashlie Fay oh wow that’s awesome. That motivates me to be a better person.

Jonathon Smith that’s so motivational 💖 God bless her more and more

Prior to the 2008 financial crash, homeless people were able to get a credit card!!!

Welcome to the early 2000s

She looks 51

​@@avacadotoast5492 No matter what you look like, you could do with a spell at charm school. I'm sure she has changed a lot since then and I hope you will too. The difference is she isn't nasty.

Ouch

Please explain

I thought the same. I just kept thinking ‘Nooo!! The poor turtles!!’

Ha, yes, I thought exactly the same.

@@batheandrelaxinmyshit6344 Hi mate. Quick tip to help you understand. See the letters she wrote? Well, read them one after the other, not forgetting to stop when there are spaces, and you will have a good idea of what she's saying. All the best.

@@ReetBoaTellThee I am very special

Charlot1986 Thank you!!! It’s like you’re already in the comment section, maybe read the other comments that tell you when this was filmed. People give me a headache.

Her cell phone was the first dead giveaway to me lol 😂

C Elizabeth I just thought she had bad taste in eyewear and clothes 🤷🏼‍♀️

Charlot1986 that explains how she got a credit card they used to hand them out like candy back then

Aired 20 Nov 2007, so probably shot in 2006.

it was going on world wide. i saw a documentary on it back in '04. they said it will lead to a disaster..

spooky katt Lmao yeah all bank executives were vile lefties 🙄

No it was him loans. Not credit cards

Home loans

Back in 2005 in Brighton a homeless drug addict was given a £1,000 overdraft. She went into the bank to open an account for her benefits to be paid into and they gave her an overdraft. She withdrew the full £1,000 that day and overdosed on heroin. Banks and credit companies would give it to literally anybody, regardless of their actual ability to pay it back.

ikr she looks so cheap

the same applies to us all though

Metta in a can I’ve been in the make up industry for years and make up can really transform some people! They don’t call it the power of makeup for nothing!

I think you could buy the most beautiful clothes and make up and put it on her and she still would look ugly and overweight

Yesssd

😂😂😂

This was in the 90’s it early 2000’s

You can't buy any sense.

Noora Queen i know... so? still looks tacky

This hit home for me!

No because balloons are very beneficial to the environment

@@batheandrelaxinmyshit6344 what? 😅

@@Priscila98245Balloons kill animals, which means humans can eat those animals

@@batheandrelaxinmyshit6344 Hmmm, okay..

@@Priscila98245 Other animals can eat those animals too

Ali Hassan Get real, grow up. She really needs a huge kick up the a... of a reality check "kind"????.

I think no one sold stuff on the Internet 15-20 years ago

@@angelikalaser7778 they definitely did

Ebay was around in 1999.

I started selling on eBay on 2004...so it could be done.

@@angelikalaser7778 They did on ebay but it wasn't considered as socially acceptable as it is today to buy and sell things on Thredup, Poshmark, etc. Those apps didn't even exist, or barely anything like them. After the recession, that all changed and buying thrift clothes became more socially acceptable.

They are also trying to help people who fit in common categories to show them the way and ask for help. She is far from alone.

Hannah agreed but unfortunately humans are visual creatures and many people will focus on someone's looks to get one up and make themselves feel more superior. It's a completely horrible and shallow way to be, hence why the fashion and beauty industry is worth billions. We're always being told by them how we are not good enough as we are but it's people choice as to whether they want to be controlled by it.

She’s spending to look good but it didn’t quite work...... that’s why people are so hung up on it.

Or maybe because the reason she is on the show is because of how much she spent on looks...

But those spending habits, if on hair, makeup, clothes should directly impact on her looks, shouldn't it

Because instead of losing weight she opts for the expensive and lazy option of plastering herself with makeup in the hopes it makes her look several stone lighter. Turns out it never works.

I always say that fashion and style haven't been friends since the 1960s, 1970s at a push. Just because something is 'fashionable' that doesn't mean it looks good, on anyone. 🤷🏻‍♀️

I think it was Coco Chanel or another designer who said "you can't buy style with money" or something like that. You can buy the cheapest piece of clothing but if you know how to style it well that's the true value, not the cost of it.

go_west Right?! So cute!

I wondered if I heard right when he said that. And the way he pronounced YSL as well !!

😂

Or take in a flatmate or boarder. That house must have a second bedroom. Rent that out, sell some of your shit (eBay was a thing by the early 00s), take a second job part time, and speak to your creditors about your options. Hell, chuck some of those debts on the mortgage - the interest rate will be lower and you'll have longer to pay.

2nd job and a lodger to pay the mortgage lol Hay not perfect but you get to keep your biggest assest lol

That’s why the Canadian money show was better.

i notice that too

@@sherry4914 big time ! I love binging on Til debt do us part and Princess

I'm mid-thirties with two and I don't look like that :-p

Palaco Kusabi 😂😂😂

*woman

This was filmed in the early 00s. Most women in their mid 30s with kids still wear clothes from their youth (I certainly don't, I try and stay trendy because I realize how ageing it is).

@@shoeboxenterpriseslinda3151 Most people wouldn't be able to tell since they don't pay attention to detail but you actually look older than she does. People are subconsciously paying attention to her fashion choices. They are not looking at the details on her skin to look for signs of ageing. This is why it's important not to get stuck in your youth when it comes to your fashion choices. If you dress like an 18 year old girl people won't pay attention to your lines. Mutton dressed as lamb is a complete myth. I actually look my age facially (pretty much every woman does) and I follow the latest trends. I am also a bit overweight. People don't believe me when I tell them I am 32 and it's all because of my clothes, shoes and makeup and how I style my hair.

I used to teach computing. People would have two very basic lessons, having never touched a computer before and would be so excited, they'd go out and buy a laptop. Some would not have the Microsoft Suite on them, some would have a different version to what we taught. Plenty of stupid people out there. I used to say you wouldn't have two driving lessons then go out and buy a car, but it turns out that does happen.

@@denisegore1884 idk how is buying a laptop bad? You can't learn to use one unless you own one anyway.

Yes well she was only 21 years old and plenty of room for error in our lives.

@gardintyven not true lol

I agree with that.

I agree but to caveat that many issues is due to childhood trauma/issues which they have carried with them until adult life so much so that it becomes habit thus changing that mindset becomes more difficult

Oh that's so good to hear! Thank you!

ohhh whats her fb?

Omg she looks amazing now!

They are now married and both of them look good. Good for them👏🏽

Both of them are dull, and don't induce any confidence at all!!

He’s awful! Soooo sappy and softly spoken (in a bad way)...he just makes me cringe so much!!

He's so patronising....!!

So very agree with you!!

Lu P he’s cute!

Athome Fitness you sound like you have a sensible head on your shoulders and it means more when you have saved the £££ and got the wanted said item. Totally agree 👏👏👏

She said her mum had all the nice things?

@@thomers2451 Yes, and that it was all about appearances with them. So she buried her feelings. It's disappointing to see so many people were judgemental about her, since she was so young and didn't necessarily have a sound emotional grounding with her family. The real responsibility is with the lenders, and that we don't teach compulsory units about financial management in schools.

Apparently they now own two houses too! 🤘🏻

Yup was thinking the same thing about the balloons, we've got enough litter in the world caused by human beings.

Hi, it was filmed long before we were more about dangers to our environment climate change etc although it seems very common sense now.. In hindsight. But yes, I cringe at the same things. Its bad!

There is absolutely nothing wrong with releasing balloons because it helps the environment

@@batheandrelaxinmyshit6344 In what way shape or form does plastic help the environment? It usually lands in water and kills animals or fish. It's not good.

@@NM-gy6tx Omfg. Plastic is made by humans, who are also part of the environment, and everything humans make is good for the environment!! It actually helps animals by killing them, which, in turn, dead animals can feed humans!!

yes!! I was going to put that haha

Was thinking the SAME thing - that part did not age well, when do you think this episode is from?

exactly what I thought too

Noel Kassewitz 2005

I had that reaction too! Even in the early 00s I think the more aware of us knew that was a bad idea.

SHE4RER a cup of soup 😂 like girl who you trying to kid.

She'll be back on another show any day, called "fat doctor"...

SHE4RER hahaha

oOzephyrOo y’all harsh. She owns two homes, volunteers at a homeless shelter, and lost a lot of weight.

lots of fat people skip meals they just make up for it later. Often with latenight binging

It's her house though; she bought it.

Because legally it's in both their names.

Simp

I'm livid about this. Is the 25k also his share?

philip friedman You'd think with what she spends,she'd look better. She looks like crap!

It's about 15 years ago - maybe he did?

@@dermot2747 Nope they got married. Check FB!

Run boy, run 🏃

@@carolinepritchard3842 she also lost loads of weight and looked stunning in her wedding pic. Looked like a pricey wedding though 😉

Queen Z rent the house? Have you seen tenant from hell? I’d be terrified to rent out my house if I lived in the UK!

@@jandedick7519 it just TV, millions of people let out their homes, if you go through a proper agency, and really really vet your tenant, you will be ok!👌 But I have seen shows which demonstrate the opposite, so I definitely get your point of view

Sell sell sell....

I don't understand the lack of pride in people. If I was her I would feel really silly telling people I had to sell my home and rent it because I got into £52,000 in debt because I spent money on clothes and makeup I couldn't afford. Just personally I would be completely embarrassed but she is doing the right thing to resolve it. The solution is to be accepting of your means, buy what you can afford and not rack up the debt to begin with.

Yes 😂

I can feel Christian Dior rolling in his grave, but I don't blame the guy.

Yes he did 😂

🤣

That is what I thought I heard him say. LOL.

#Fashion 😂

Jen W don’t forget Eve San Lauren

I came to the comments to see if anyone else noticed that. 😂

Ahaha

Hahaha he was so desperate it was crazy. 😭

He always tries to find something that isn’t there

@@Mitsiditsi I've noticed that. He always wants to make them cry or reach an emotional breaking point and sometimes there really is no deep rooted issue- people just like to spend!

Without a license!!

Her BF needed 1.. or 4 😂😂

To be honest this is still one of the biggest things that keeps people financially poor. How many people have cars on PCP finance deals and after 3 years take the car back and get another one....keeping themselves in perpetual debt. Imagine if you took the £200-£400 per month car payment and invested it, how much money you will end up with. It’s just craziness.

It probably wouldn't accumulate to much plus the car is most likely on finance which she is locked in.

That is what happens when you have bad devicers who claim to know psychology!

Do you think those possessions would sell to cover 52K debt?

She may need her car for work.

@@natis3268 Exactly right. Selling the other items at a loss doesn't make sense. She sold the house at a profit so could use that to substantially pay off the loan, under a negotiated deal. Lots of people are facing this today it's the credit cycle.

Fashion of early 2000s was pretty unfortunate and pricetag defo is not going to guarantee style. She also seems to be a lot of a sale buyer, what goes on sale is often very trendy stuff that's not going to age well.

Her takeaway teas don't help. I can go all day without eating anything until tea time then eat full calorie intake for the day or more so don't think it matters how much anyone is having for 1 meal when they're eating unhealthy the other meals

ONG I love you'r sense of humour 💝👍👍👍👍👍

She has young beautiful skin, it's just the clothes. And the weight.

Yes she is quite overweight

hmmcinerney also the glasses, those rectangles could make a baby look 50

@@chlonanu , but they are probably designer brand

Joanne Lee just bc it’s designer doesn’t mean it makes her look younger, i will always hate rectangle glasses

Very true

Yes, mortgage is just the right to live in the property bought on conditions which may change overnight. Nothing is guaranteed. Especially now. You can, as "an owner", put nails where you want without asking anybody 😐

Bet you're great at parties jeez

Takeaway every night, work probably has free sweets and biscuits

Doesn’t look it

🤣🤣🤣🤣

Gee you're so brilliant!

Exactly they don't understand the role he's performing and that it's not for entertainment in that his personality is to be as anodyne as possible, it's all about her life at this point. You're not supposed to know about the psychologist's life that leads to a problem called transference.

This is pretty much why the GFC happened.

Early 2000s! Very different time and regard towards money.

Christina Burton Ok Benjamin

Yes but we don't have the right to go there. She has a right to privacy and for the purposes of the episode she revealed enough and learned hard lessons. It's great that she has a loving and supportive partner and friends.

It was pre the GFC. Different times now.

this was in 2005 before the recession

Boi I got 3k in loans at 18

this was like 20 years ago when the economy wasn't in the toilet

Yes it was because of people like her and the banks willingness to exploit people like her why the world ended up in the financial toilet. It would be more difficult now for her to borrow that much.

I Love Gail from Til Debt Do Us Part!!😀

Me too. For some reason I felt involved in this show and wanted her to win so much!

Aquablue 125 Exactly right

There is always a reason, usually avoidance.

Hush, you will make Benjamin sad.

Most of the times the problem is that they never had to deal with the consequences of their choices and the new generation is creating a whole new version of these people, not showing their children how to be responsible and having respect for anything. Worst thing, the bank let her off of the rest, no lesson's learned again for her.

Yes its called adultg, taking responsability, hvg control....

Misdirected anger there, girl. He clearly loves her and she's very fortunate indeed to have that support. No need to be angry if you don't have that for yourself. Anyone can make mistakes and she hasn't done a range of things that would have been far, far worse. The mistakes she has made are entirely able to be corrected with hard work and discipline which is what she has done. You don't think she deserves a second chance? Glad you aren't in charge of life then!

His answer usually seems to be some variation on the theme of 'Daddy issues.' I suspect he couldn't pull it this time because she wouldn't talk about her family.

He’s not a therapist that’s why his technique is awful. He counsels based on his own consumeristic experiences. I remember hearing it in another episode. He is not licensed yet gives out all this garbage advice. One of the reasons I can’t take this show completely seriously.

@@Portia1416 Is he a 'life coach' or similar? Knowing he isn't a qualified therapist answers a lot of my questions.

Totally, you should leave something like this with a lot to think on, but also positive moves too. I also hate that they think a deeper is always to blame, like the fact she has some soft toys, they think she has childhood issues..... So no adult can have soft toys without having issues too?? I went to a therapist once wanting to sort out one problem, by the end she told me she thought I had many more issues that I originally thought. I left feeling awful and that my life must be worse than I ever thought , and never went back, but am doing well now.

21 years old now lol

oltynn so true, it’s like putting lipstick on a pig

@@addylynch8728 hahahaha

Not if you're only making 800 a month like this lady

Samuel Coe There are financial regulations in place now to stop this happening . 20 years ago you could get ridiculous amounts of credit very easily

Irresponsible consumer debt was a major contributing factor to the GFC.

Evaluation apprehension

lAboratorium where on earth did you buy? Or did you have a huge deposit?

In Warsaw, Poland :) Actually I had around 35% deposit. Please consider that we have much lower salaries in Poland than in the UK (however I cannot complain) and even in capital city of the country prices of houses or (in my case) flats are lower as well. But had I bought flat 30 km further, it would have been like half of the price.

@@reinadellasschizas Really interesting! Thanks for sharing :)

Agree and I'd go further: the details are none of our business really.

omg that's so true

well this was made in 2004 so she probably isn't far off 40 now lol