Thanks everyone - didn’t expect such a response and I have taken all advice on board and working on it as we speak
hopefully in time it will be me helping someone in this situation out!
And cannot explain how accurate it is that debt dictates your life and relationships! It’s just not worth me feeling like this over money!
Unfortunately I’m passed being able to borrow from the bank anymore as they’ve ‘helped’ twice with further loans and now I cannot get anything ‘more’ - even though it isn’t more because it’s consolidation of existing debt but they just say no...
Once again thanks to everyone who has took time out to help me! I haven’t even been on here long.