The lack of affordable housing combined with high interest loans - often from illegal loan sharks - means many people on low incomes are struggling to survive in modern Britain.The latest leg of our series examining life around the UK takes us to Birkenhead, where we meet families who can't afford to heat their homes, and are too scared to answer the door.

Podden och tillhörande omslagsbild på den här sidan tillhör Sky News. Innehållet i podden är skapat av Sky News och inte av, eller tillsammans med, Poddtoppen.