One in six of us is at risk of a debt crisis. That’s nearly 8 million people - 8 million people who might have trouble sleeping, feel anxious or withdraw from socialising because of their money worries.

Asking people to become self-employed if they want to keep their jobs or telling agency staff they don’t have a legal right to sick pay are just some of the things employers say to find ways around people’s rights at work, Citizens Advice Manchester can reveal.