My name: Ripon Ray. I am a consumer debt and welfare rights specialist. I am a regular contributor to James Cannon's advice and information show on BBC Sussex. I have been on BBC Money Box, BBC London Radio and LBC. I trained London's Institute of Money Advisors, Trust for London grants managers, Positive Money campaigners on a number of money and welfare rights related issues. I specialise in universal credit and am a registered money trainer with the Money Advice Trust.