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Back again - more whingeing and moaning. Sorry
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Sounds pathetic but I do that ringing them up thing, hand the phone to DH for security, then handle the rest of the call myself. I've had depression in the past and can 100% promise you that he will not call them. It's hard to explain why, but it just messes with your brain so much and you can't handle any form of responsibility.
He's hiding from it all by continuing with spending. So you're going to have to remove his cards and give him his pocket money. Awful, but the only way you'll stop him.
I agree, this is exactly what i'd do. If he's incapable then take the bull by the horns, be cruel to be kind and all the other cliches. Good luck and stay strong.DEBT FREE AND PROUD'Better to remain silent and be thought a fool than to speak out and remove all doubt'0
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