I am now 25 and made so many mistakes, I moved out of my parents when I was 20 for 3years with a man who always had the charm treated me terrible, here is how stupid in love I was.. I was with him for six months he was had lost his house through his ex, but this was a council place.. I didnt understand never had moved out before, but anyway he was evicted... so I got out 2500 loan to get a rented property in my name... the day I got the keys to my rented house he leant my car, bearing in mind he was 25 I was 20 I trusted him that he had a ful driving license he had a nice car him self but never had petrol, this was written off, my first car only on 3rd party got nothing back for it... I was then weak, i continued living in this place for 2weeks on my own parents kept saying come home, but I had never listened... I decided to take him back... things went well for a few month, then he couldn't keep a job... my job couldnt cover the bills, I ended up being depressed due to the whole situation but could never bring my probems to my parents... I had my first taste of independance. The bills got worse and it I managed to live in the property for 1half yr. I had to upgrade my first car loan that was 2500 to 5000 to move out. Then got a one bed flat, promises jobs were kept down, yet again efforts were made for a short time... I really falled for the false promises and felt sorry for his past and felt like a motherly figure he was a heavy drinker too. I cut my losses in june 2006 moved back and finished with him, he got evicted again from the property but I had absolutely everything out in my name, there was a phone bill run up in my name for £916 but I didnt live there they never cut the phone off... everything I did and paid out genuinally has all fallen on me and I cant cope. Moving back to my parents was the best thing I ever did I love them to bits and they understand I have debts, I have tried paying some off put this does not help because they keep being sold on. I have a lovely boyfriend now and we were to buy a house this year, my credit report showed excellant but when this was processed all of my hopes were shattered and dreams because they said that there was an error there side and my rating was very poor... I am in 12,000 debt through my ex, never be able to own my own house until I am at least 37 I am so upset, my parents were always right from the start... I will always be paying for my stupid mistakes. My only wish would be to free me from this debt and make everything better.