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Well, my perspective is that I don't agree with the whole practice .
Would that be the practice of a lender expecting to be repaid the money they have lent??
I don't think you are capable of grasping a concept of "borrow & repay". I think your entire mindset is one of: "If they are stupid enough to lend to me, then that's their own stupid fault".
Surely you have made someone proud of you at some point, even in Junior School. Go back to those days and have another run up at life.
By keeping moving you can stay ahead of these people, if that's how you've been doing it, just stay on that road.....
You have to realise they will put pressure on Mumsie and anyone else they can find who is even slightly connected to you. The will also secure a CCJ whcih means you may have to do a Lord Lucan.
"We want the finest wines available to humanity, we want them here, and we want them now!"