I feel one of the worst parts of all this is that the majority of families that are affected don't even know yet.

So many working families are facing financial ruin in April and have no idea, let alone any chance of achieving the settlement date next week if that's what they did want to do.

Perhaps trying to put more information out there, ig on twitter, may help, using the hashtags #2019loancharge and #noretrotax - and also trying to make as many public figures and Mps aware of whats happening.

Just can't believe so many people will be facing bankruptcy and there is no effort to let them know.