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i have a RBS student account with credit card the limit was £500, i spent the money and avoided payment, by the time they caught up with me the debt was approx £700 (40% interest on original limit) , the card was canceled and i was put on a payment plan of £20 a month (approx £10 off debt, £10 interest until i get under limit (500)) I have spent over a year paying and now i owe approx £600, i now have no money and cant pay for the next month or 2 at least, please help , i have been threatened with debt collectors and feel like i will never clear the debt

Hi clause58 and welcome to the forum

I feel that you have somewhat shirked your responsibility towards this debt to a degree - spending the £500 and to use your own words avoiding the repayment. That is not the spirit of borrowing money.

I suggest that you revisit your finances and work out how much you can actually afford to offer per month - and try and get the debt repaid as soon as you can. If you are a student, perhaps you could find an evening or weekend job to provide you with more income to assist.