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I'm new here so please be gentle!
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Hi BPD
(((((((Hugs))))))) to you and welcome! Listen to the posters here and don't allow yourself to be bullied by these idiots. If you have others debts you're struggling to pay and obviously a limited income, why don't you speak to one of the debt advice charities, CCCS, CAB, National Debtline? They can help in all kinds of ways and hopefully help to guide you through this.
Keep posting and let us know how you're getting on?
Jude xx0
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