Thanks for all of the advice guys. My head has been melted all day, so much to think about hence late reply.
So when I was younger, I got two credit cards (£3,000 on each)... one for emergencies and the other for driving lessons etc. My dad was struggling apparently so I gave both cards to him on the basis that he would pay them off (that was 8 years ago) and the balance on both are still pretty much the same (he's been paying the min payment off each every month for 8 years).
I know this was my own stupid fault but I was only 18 and I trusted him. Well, he's stopped paying the cards now and that means I need to. Now, I don't agree with debt getting written off etc. as I got these so I need to pay them but it's hard especially when I didn't use any of them. Last year he was struggling again (I'm weak) so I got an overdraft for £1750 and gave him that.... he's not pay any of it off. I know now after all of these years that I've been manipulated, used and taken for a complete mug but that's my problem... I trust people too much.
I know people are going to judge me on OCUK but again... I trust people which was obviously a mistake.
I have debts because I lost my job and other stuff happened and I can barely afford to live as I pay out about 65% bills each month and I've already cut back on everything... The bills that come out of my account each month are debts.
Headbutt the loser then write it all off. On mine wage you'll never pay off 7k+ in a decent time frame without living like a true pauper, so don't bother.
As stated though, you won't get any housing help. Find a mates to crash at, then save save save. I don't know what rentals are like in NI but 800-1k will see you for a deposit and a months rent.





but oh no you cannot be a victim of racism if you are a white male. You're just ****** and need to take it on the chin.