Hi Chris - sorry, you’re right, this is a whole new world I’m learning.
I’m helping him with his immediate living expenses but not his debt. I’ve got his bank accounts, credit reports and give him a very small amount of cash when he needs it. It gets replenished on production of a receipt. Seems to be going ok but very early days. He’s getting a DPP(?) through Step Change. He has a plan just needs it implementing. Thanks.