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My heart goes out to you, 6 years ago I hit the buffers and finally had to sling in the towel on £93k worth of consumer debt -not proud of it and all down to stupidity in my case, unlike yours. So on the shame- game I reckon I trump you - right?

 

I tell you this to show you that there are many others in the same boat as you - security in numbers? well it certainly comforted me. Truth be told I respect and admire you for what you have achieved, bereavement and brining up a family on your own - this world needs more decent people like you in it.

 

Your debts are consumer credit debts and do not take priority over things like your rent/mortgage, utilities and feeding yourself. So you owe £17k - I wonder how much the banks owe us the taxpayers? billions

 

You have nothing to be ashamed of - so hold your head up high and look the world in the face. You will get nothing but support, good advice and an know-how on this forum - keep posting and welcome to our wonderful community - me? well I have now paid off my debts with more than a little help and advice from others here, and you will too.

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