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I apologise in advance if I babble I am anxiety sufferer and struggling.

Can’t even get face to face with professional which for me heightens everything 


I hold loans to which my step dad is guarantor never missed payments etc but since covid I’ve struggled. To be Honest every payment for the last year has been a struggle but i made them and gained debt elsewhere


sorry realky struggling in how I explain 

my step dad is 70 severe COPD only has benefit as income and my guarantor apologise if don’t make sense 


i ll try.

Since covid for me was March I’m my mums dads and sons carer I heard the words it’s cancer I locked my parents down.


i heard the words that no one wants to hear and my anxiety and stress kicked in I was broken my mum has aggressive fast growing cancer. This is literally 1 week before full lock down


fast forward me not seeing my parents not even as a carer I could drop shopping off ring bell and leave that was hell


fast forward my mum has to go on hospital

I take her but have to leave at entrance she’s scared.

That was super hard and I wasn’t in a good place. Surgery day.



And then I get phone call surgery cancelled as covid test inconclusive


fast forward 4 days.

Test negative surgery goes ahead and I’ve no contact etc then late evening I get the call she’s covid postitive actually none of this is relevant  to what I’m asking im babbling I apologise 


I didn’t pay my loan last month I had

I decided to pay rent instead


They contacted me today whilst at my mums asking my dad to pay arrears

please bear in mind he’s Cronic COPD and shielding and mum has major surgery  and income is pension and DLA 


 can they chase him for my payment when I’m affecting personally and financially by covid


they want payment on 23 May

my only Income is benefits at this time.


I have 2 sons on the specturum and lost their DLA

Now it’s pip and I can’t have them chasing my parents for a payment they can’t make.


Again I apologise if I’m.

Rambling or don’t make sense I

can’t cope with adding extra pressure to my mum and dad


Thankyou for reading 

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Who is the loan with?


But to put your mind at ease, the simple answer is there is stuff all they can ultimately do



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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