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southofriver

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  1. Hi, firstly I am not proud of my situation, in fact I am highly embarrassed but none the less it's my situation and I need some help in how to deal with it correctly please. I left the UK five years ago with two credit card debts totalling 7000pound (combined). Over the last 4 1/2 years I have been paying the minimum amount. The Companies have my address and phone number in Australia - I was not trying to hide from my debt which is now around 5000pound combined over the two cards. Six months ago my situation changed and I was not able to continue payments without slipping into debt in Australia so I stopped my payments. I did not contact them and have ignored all letters and phone calls, many calls coming in the middle of the night. Two days ago my mother in the UK got a letter (addressed to me at her address) from a debt collection agency. In it they said that if I didnt live at the address she should contact them or they would presume I lived there. My relationship with my mother is already strained so as you can imagine this has just made it all a whole lot worse. She is (justifiably) worried about a bad credit rating going on her address. I emailed the company saying that I believed they were trying to contact me (so I guess I will hear back over the next couple of days) as I really don't want my mother to be dragged into my horrible mess. The long and short of it all is that I have just enough money to keep my (and my 3 childrens) heads above water, there is no extra money. I don't drink and I don't smoke. I don't waste my money as every cent is accounted for. I'm not sleeping and eating makes me feel sick. I am constantly dreading a knock on the door and worried that this is going to show up on my Australian credit rating now and in the future. I don't know where to turn to for help. I know this is my own mess but I really don't know how to get out of it all and face the future.
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