It was not until she met her future husband, Gareth, at a social event that she realised bankruptcy was an option. It was disgusting. That shouldn’t be happening these days,” said Gardner. Had he not made a trip to London in the 1980s to apply for a passport after a friend warned they would be thrown out of the country, he may have been caught in the net too. After something like this you really know who your friends are. It gave me a different perspective on life,” she says. BACP issued information about online counselling and CPD was offered to help counsellors transition. I signed up for these opportunities, to ensure I was working safely with my clients despite the changes.

My working hours changed to be more flexible to fit around my clients’ needs with changing home environments - children being home schooled, people working from home etc.They came to do a job and they were happy to do it. It wasn’t like in the days of slavery when they were forced to go to a place to do a job. They wanted to come and they wanted to help the mother country in their hour of need,” said Howard. The Clapham South deep-level shelter where 236 of the Windrush passengers were housed, 22 June 1948. Photograph: TopFoto It is also more difficult to take out credit while bankrupt and your credit rating can be affected for six years. Your bankruptcy is published publicly and could affect your job or cause your business to be closed down to sell off the assets. Being in the centre of a community can also expose staff to crime, racism and aggressive behaviour. I spoke to Ravi, 29, who is working in Manchester Mini Market on Oldham Street. The shop is a classic British newsagents that has become a local attraction because of its huge selection of cold drinks, with every obscure flavour of fizzy juice imaginable, from watermelon Tango to mojito-flavoured 7up. Local publication The Manc described it as “like Willy Wonka’s chocolate factory, but for pop”. Ravi says that almost every day there is an incident with theft: just yesterday, a man loudly screamed at him and continued abusing shop staff outside once he was physically removed from the premises. This was the second incident in a week.

This article was originally published in our sister magazine Moneywise, which ceased publication in August 2020. As the song goes, I did what I had to do and I did it my way,” he said. “As far as I’m concerned, live and let live. I don’t let things bother me these days.”The pressure of running the business led to her taking medication, which she believes was the “perfect storm” and meant she took her “eye off the ball”. Anju and Neelam produce vegetable samosas and okra pakora at Londis N16. Photograph: Linda Nylind/The Guardian Ordinarily, events booking platform Feast It served as a hub for people to book services such as caterers, photographers and florists for weddings, offices and birthday parties. Basing my messages on the latest Government advice, I prepared my clients for the changes that might happen and how we would navigate this to continue to work together.