My name is Aaron and this is my
experience of being in debt. I got into debt through sheer ignorance and a lack of understanding. As soon as you turn 18 you get a credit rating. That’s what the bank
uses to decide whether you can borrow money or get a contract phone. I had good intentions to pay my council tax and my phone contract. I had worked out a budget
for my money then all of a sudden I realised actually things pop up and
things change. Every time I got a letter through the door I was genuinely scared because I thought, ‘who’s the letter going to be from?’ I didn’t know who was gonna
come knocking at my door next. All of a sudden I got a summons to court. I got 80 pound added on to the fine. I thought that I won’t be able to pay my rent and I won’t be able to eat. It was quite daunting, I didn’t really understand
about the consequences of my actions. Instead of asking for help, I was just embarrassed. I didn’t want to get judged and looked stupid. It was like
I was in a hole and there was no way of getting out of it. I felt trapped, but there was no help for me. It’s not something that’s going to go away
it’s just something that’s going to get worse. It’s not just something you can
shut your eyes and forget about. You should always try to speak to someone. There are websites and videos of advice. You can speak to your key worker or to Citizens Advice or Step Change the debt charity. You don’t have to feel
embarrassed like I did. Reach out! Speak to someone. I think it shouldn’t be so easy to get into debt. I thought I was going to be able to pay but I couldn’t. I think the government should give us a bit of time to get more financially stable to help us pay it back without extra fees and charges. I think the government should give us breathing space. To join a campaign and get advice
if you’re in debt, visit Children’s Society dot org, dot UK
slash breathing space.