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First-time parents Astra and James urgently need a loan to help them buy a new carpet before their newborn twins come home. They turn to the Newport credit union in south Wales who loan them the money and help them save for their children, so their money will grow with them.

In Dunoon, western Scotland, Karen and Allan needed 拢25,000 to set up their fish and seafood smokery, which is now enjoyed by royalty. As well as supplying supermarkets and restaurants, their produce was chosen as part of the evening meal at Prince Harry and Meghan Markel's wedding.

Businessman David lost a fortune from a bad financial decision. Declaring bankruptcy, he had to start from scratch and needed a 拢10,000 loan to set up a new business customising and caring for luxury cars. Now with the loan repaid and business booming, David is about to set up permanent premises with the help of a second loan.

While a 拢1,500 overdraft may not seem like a life-changing amount of debt, for student Molly, who couldn't find work after graduating, it made her homeless and forced her to be apart from her son. A loan from a Credit Union in Cardiff saw her learn to drive and enabled her to find work further afield.