im 27

3 c/cards total about £12.500
overdraft £800
Loan for 15 grand which i used to clear debts a few years back but got abit ripped off I think as after payment protection was added and interest the total loan amount is £27.000
plus i.m sure over years where my mum has bailed me out and said dont worry about paying me back must owe her over 8 grand

have nothing to show for debt just always skint

and live at home so cant even afford a morgage