- May 28, 2008
Anyone been in the same position. So far i have run up and paid off up to £5,000 3 times in the past and i have run up £4,500 run up over the last year due to 3 manic phases. I am desperate to get out of this cycle but don't know how. I have tried writing to the credit reference agencies asking them to put a note on my file explaining my condition and asking them not to give me credit. They refused to do that. I have an exerlant credit rating due to never defaulting on anything but wonder if i should start not paying bills. My only problem with this is it goes against the grain for me and i would worry about not paying the bill. Anyone with some words of wisdom for me. When i am not manic i spend all my available money on trying to clear my debts on to run them up again which makes me think i am better off not trying to pay them back but just pay the minium payment as maybe at least i won't be offered any more credit.