Where to start…
I’ve be wrestling with the idea of asking for help, for some time now, due to the heart breaking and embarrassing nature of the situation I currently find myself in.
Around 6 months ago, I decided to switch mobile phone networks, but found myself being turned down for credit. Surprised, due to having never borrowed any money and never being in debt, I decided to sign up to one of these credit check agencies.
Immediately, I found multiple store cards, payday loans, and credit cards had been taken out in my name, and worse still, the vast majority were either defaulted, maxed and/or were ccjs.
Confused, as to how this could have happened, I turned to my immediate family who said everything would be okay as it was clearly fraud and it would all be sorted.
I phoned a number of the companies who were listed, and after a day or two received a phone call back explaining they had found something, but I would need to sit down. As I listened to the recorded phone call, I instantly recognised the voice as one of my parents, who was telling them I was being cared for in Germany (despite living in England) in a hospital due to my poor health, which is why they were dealing with things.
After I confronted my parent, who broke down and eventually admitted everything, I was left confused, angry and upset. How could they do this to me? One of the people I trusted most in this world, and how could the companies allow this to happen…
After weeks of phone calls, back and forth, explaining the situation, meetings with the family (my brothers and sister etc), and my partner too as I have 2 kids with her, we eventually found out that if I wanted the debt to be treated as fraud, and removed, I would have to report my parent for fraud, create a police case and potentially press charges…
Now, I know most of you reading this would think the choice is obvious, and although I haven’t forgiven this person for doing this, they are in their late 60s, wouldnt survive prison, and my kids idolise them. Worse still, is they claim they are depressed and are currently fragile.
I feel completely broken and lost.
Ive been left with a £20,000 debt, which I have managed to reduce down to just under £10,000 by using all of my and my partners life savings, money from family members life savings and friends… I’ve worked 3 jobs for the last 6 months, pretty much 12 to 14 hours a day, and am at breaking point. My credit is ruined for the next 6 years, and my relationship is now strained.
If you can help me, please, any donation no matter how small will make such a difference… just know, that this money would pay off my debt and allow me to move forwards with my life, both for myself and for my kids.
Thank you for taking the time to read this, and please understand how difficult it was for me to not only admit this, but ask for help.
My PayPal link is as follows: paypal.me/doubledp
Thank you.