Hello, i just want to say that I have never had to do anything like this before.. Its not a nice place to be, anyways about why I’m here…
I must note that my mother and I never had a good relationship, she was too invested in having a boyfriend and trying to please him (them) I also want to note that I understand that being a single mother (young or older) can be very stressful and take its toll on people.
My older sister got pregnant at a young age and needed all the help she could get so I did what any normal sibling would do and helped out whenever I could, it started with babysitting (because I was still young myself) and then when I was 16 I went and got my own job she would borrow money off me and never pay back.
This was a very vicious cycle, it wasn’t only me who she would have money from it was anyone and everyone, especially my dad, anyways this went on for years and years until eventually everyone got tired of the same old drama and nothing changing, it got to the point where my dad would not want to talk to her because it was only ever for money so she would just come round unannounced.
Fast forward to 2012, everyone had pretty much stopped talking to my sister so she only me and my dad, my dad then passed away so only I was left for her. I ended up living with her after the death of my dad and the favours were non stop you would think I was the one that had a kid, I was doing the food shop, school runs, bath and bed routines, tidying, cooking, trips to the park all whilst my sister was “ill” or hungover.
Anyways I had enough so I ended up moving in with my boyfriend because I couldn’t handle having to work, go to college and look after my niece, whilst I was living with my boyfriend at the time I was still doing favours for her until she met someone.
I was happy for her, this guy changed her, she got a job and she sorted her life out, she really did change. She stopped asking for money, babysitting and she stopped going out all the time, she finally grew up and I was so happy for her. She got pregnant again and all was well for about a year and then things got sour between her and her boyfriend.
They split and then she told me she was in debt because of him to the point where bailiffs had come and taken possessions and she was left with nothing. She asked to get a catalog for furniture in my name and promised to pay it back, I said yes of course I wanted to help her out, she had two babies to provide for.
Fast forward a little bit, she started to ask for all the favours again, I ended up moving back in due to having an argument with my boyfriend because he didn’t like that I was always babysitting for her.
Fast forward a little more and she comes home from work one day crying saying her ex boyfriend had got her into more debt, so I got a loan out to cover the cost on the promise that she pays me back. For about a year she was paying me back and then she started going out again and that’s when it all changed.
I was left with the kids almost every night because she had plans, she started to miss payments on the catalog and I found out she was slagging me off behind my back.
I got so sick of it I ended up snapping one day telling her to sort herself out and to pay the money she had borrowed/owed.
She told me to get out so I did, I went and stayed with a friend, she apologised for kicking me out and wanted me to move back in, I said no because I was done being her doormat and we had an argument so she blocked me on everything, she blocked my number so when it came to payments I couldn’t get a hold of her.
I even tried going around to her house but whenever I knocked I got nothing, no matter what time of day/night I went, there was never any answer.
I’m now stuck to pay back a loan, I can’t even say that it was for her because I signed the documents.
The loan is £14,000 (UK pounds) I’m struggling with payments and now I’m in arrears, after already having requested a payment plan for it.
Please help me, I just want to get out of this debt and put it behind me and move on with my life.
Thank you for reading my story and thank you so much for helping me if you donate.