Hi there,

While we were together, me and my boyfriend planned to take a few trips to America and the Caribbean to see our friends and family. We decided that we should take these planned holidays and use a credit card to pay for all our expenses, as this seemed like such an easy option. We had taken out 2 credit cards with a limit of £5000 each, which covered all our expenses well. We were not really hesitant to take out credit as the both of us could afford the repayments as we both had good jobs, with good regular income

After some time, me and my boyfriend started getting into some problems due to him being made redundant at work, so this left me struggling to pay back the monthly installment plan while he was out looking for work. Eventually, me and my boyfriend split up due to the amount of stress of him not being able to find work and me struggling with my finances.

At the moment, the debt stands at £8600, which I'm having to pay all by myself....on top of other household bills. I am afraid that if i continue struggling to keep up with these repayments, I will eventually have a bad credit rating which will eventually leave my name blacklisted. My ex said that he will eventually help out when he finds a job, but I have not heard nothing from him since.


Is there any advice you can give me that can help me out in my current situation?

Thanks
Chantelle