You are about to listen to a BBC podcast and I'd like to tell you a bit about what goes into making one.

I'm Sadata Sese, an assistant commissioner of podcasts for BBC Sounds.

I pull a lot of levers to support a diverse range of podcasts on all sorts of subjects,

relationships, identity, comedy, even one that mixes poetry, music and inner city life.

So one day I'll be helping host develop their ideas, the next fact-checking, a feature,

and the next looking at how a podcast connects with its audience, and maybe that's you.

So if you like this podcast, check out some others on BBC Sounds.

BBC Sounds, music, radio, podcasts.

Hello, I'm Paul Lewis and welcome to this Moneybox podcast.

Listeners who run community groups battle their banks over unexplained account closures.

Questions are asked in a parliamentary committee about Moneybox

figures on missing help with energy bills, and thousands of older people in London claim

millions of pounds of extra help they didn't know they were entitled to. But first, exclusive

data for Moneybox suggests that one in five UK adults have had to ration essentials like heating or electricity

to keep up with their credit repayments. One in eight have changed the food they eat for less

healthy options. The survey carried out by the debt charity step change found a third of adults

questioned said they were in financial difficulties, but half would be reluctant to contact their

lenders to try to sort things out, which, of course, is always the best way to begin.

Let's hear from Sarah, that's not her real name, a senior teacher from Yorkshire who spiralled

into debt after being made redundant and then missed just one mortgage payment.

She spoke to Moneybox reporter Dan Whitworth.

I was rationing everything, everything including pet food, heating, eating,

...