According to the mother of a single father who committed himself, waiting for a payment from Universal Credit was "the final nail in the coffin." The debt accumulated by Phillip Herron, 34, reached £20,000, including payday loans with 100% interest, and his kids informed their grandma that Santa hadn't visited the previous year. As he awaited the reward, all that was left … [Read more...] about This is The Last Photo Of Phillip Herron, 34, Crying In His Car Just Moments Before He Killed Himself