Michael Lewis still vividly remembers the day in 2008 when his world came crashing down.

With a wife, a baby son and another on the way, the 38-year-old had been running an electrical contracting company in Essex with his brother Steven.

"But suddenly the phones stopped ringing for four months. It was very scary."

With expenses to pay and no money coming in, Michael decided to take a desperate gamble and took a loan of £25,000 to pay expenses and start up a new business.

(READ the story from the Mirror)