Dear All,
I have started a thread yesterday,
but i feel a new one is needed with a bit more detail in order to get some help!
I've had a very big gambling problem ,
started becoming serious about two years after my son was born, in 2012/13, now under control however, a little too late.
Long story short,
i have cashed in about £5000 worth of NS&I bonds after i gambled away my income,
maxed all my credit cards
then started taking out payday loans when all the cards were useless.
From there on everything just went downhill fast,
started winning ,
paid some money back,
took them out again then started loosing everything.
Of course then I got desperate for more money chasing my losses and hoping somehow all that money miraculously would come back (how stupid was I !!!) and took a loan out in my partners name for about £2200 with Avantcredit.
He's only just found out about it, and to say the least he's absolutely fuming! (can't blame him )
I need desperately to get out of this mess .
..i don't know where to start!
he's not speaking to me at the moment the atmosphere in the house i can't even describe!
I've paid avantcredit back a little bit then stopped due to all my other debts!
It is obviously on his credit report now,
do you think if i contact the company and tell them it was me that created the debt and not him, they will remove it from his credit file?
I obviously need to pay them back, would they agree to that or would they report me for fraud?
Thank you in advance
I forgot to say, my debts now are somewhere around the £25000 figure