Growing up I had a terrible child hood, I never had any guidance in my life. At the age of 18 I was taking out loans and credit cards and financing cars, partying with friends and not thinking about the impact this would have had in my future. I suffered with depression and anxiety from my pass childhood that I ended up running away from all the debts I had. I now have 3 CCJ I am in 15k debt, I have tried to enter Iva and debt management plans however one of these loans being a guarantor loan I am unable to be accepted for a management plan help. I work full time however I’m still unable to cover my living cost and bills with my debts on top. I have tried every way possible to clear my debts. I have never claimed any type of benefits. If I could turn back time I would have never lived such a crazy young adult life, I didn’t have the right guidance and never understood the effect this would now have on me as a 28 year old.