no thad that problem but i have just found out that for the last year paypall was set up i have been paying for stuff on me credit card and not from me bank account and i owe 800 quid on it now as i dont have a credit card as its on my bathroom window sill and never use it so i just chuck the statments in the bin and for some reason ( maybe cause i aint got a job so i got too much free time) i opened all my mail including junk mail and discovered this

now i dont have the cash to pay it back as ive been assuming its all been comming off me bank card and so aint kept the money to 1 side and spent it

so i have been preaching to people to not use there credit card and stay out of debt and when saying that im been getting myself into debt

the have been taking under a tenner a month min payment though so ill have this debt gone in 4 years