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I’M 26. I HAVE £380 IN MY ACCOUNT. I GET AN EMAIL: “YOU MISSED A PAYMENT. A PENALTY HAS BEEN ADDED.” AND I NO LONGER UNDERSTAND HOW TO GET OUT OF THIS 👇 Hi. My name is Oliver Bennett, I’m 26. I live in Birmingham. My life wasn’t a disaster. But it’s hard to call it normal. I moved out from my parents early. Not because of a conflict, I just wanted to live separately. I rented a small studio. The kitchen is right in the room. The window faces the yard. The neighbours make noise almost every night. But at least — I’m on my own. I got a job in a kitchen. Takeaway restaurant. Constant flow of orders. Heat. Noise. Shouting. The shift ends at night. You come home tired, with the smell of oil on your clothes. Day after day, the same thing: Work → home → TikTok → sleep. And again in a loop. At some point I started using a credit card. At first — small things. Food. Taxi. Sometimes clothes. Then more. “I’ll close it next month” “It’s nothing serious” “Everyone lives like this” But the interest was growing faster than I expected. At first the debt was £200. Then £500. Then already more than £1,200. I paid minimum payments. And thought everything was under control. Until I got an email: — “You missed a payment. A penalty has been added” I opened the banking app. And just froze. The amount was already almost £1,800. I realized I was losing control. The calls started. Letters. Reminders. I tried to take extra shifts. But in the kitchen they pay the same — no matter how hard you work. In the evening I just lay there scrolling TikTok. No thoughts. No energy. Just to not think. One night I went into Discord. Marcus was there — we work together. He wrote: — “I tried this thing yesterday… paid off part of the debt” I immediately: — “Come on, don’t start” He replied calmly: — “I didn’t believe it either” We talked a bit more. But that thought stayed. The next day another message came: — “If you don’t pay — additional measures will be take
