As any report on the subject will reveal, million of UK consumer are staggering through life under the weight of poor credit scores as a result of County Court Judgements being issued against them.

Owning your own business is the American dream. You can be your own boss and do the work you always wanted to do. So why do some many people believe that their dream should become a nightmare? They may not profess it, but when they start their business with a loan, they have given someone else the ability to dictate their life – the bank.