As the credit crunch bites, people are finding different ways to cope with their money problems. Some are carefully sticking to a budget, others are cutting out unnecessary luxuries… and at least one person is scribbling all over final demand letters to make himself feel better.The anonymous author of dearfinaldemand.com - who describes himself as ‘a d*** when it comes to money’ - has been posting the creative results of his scrawling online, and is inviting anybody else who does the same to submit their own defaced letters.

The tone of his responses to the final demands ranges from sweary outrage to poignant meditations on the responsibilities of adulthood, along with gleefully petty one-upmanship when the debt collectors spell his name wrong.

The author notes on the blog: ‘It’s therapeutic, especially after getting The Red Ink Sink immediately after opening one of these awesome pieces of communication.

‘If paper could feel pain I’d be constantly kicking sheets of A4’s heads in.’