I am 24, male, currently living in the UK. I moved here from Serbia and currently owe a bank about 10,000£... I am not sure why the bank allowed me to do what I did to begin with. Back home I got a permanent contract 2 years ago and I thought it was the best thing that happened to me, turns out not really. Because of the nature of my contact and the amount of my salary, I was approved by a bank to take a loan. I thought I'd use it smart. Got 2500 euros in local currency, bought myself a car, refurnished my room and I got myself a new PC. Not the newest of either or the best, but I could afford to rent an apartment, I had a car and basically everything I needed. However, I back then had a drinking problem, and I ended up drunk driving and crashing my car. So I immediately got another 2500 euros, payed the fines and bought a new one. At this time I ended up seeing a psychiatrist who initially diagnosed me with anxiety and depression, later on bpd, and alongside going to rehab I was prescribed a bunch of psychoactive meds. As the healthcare system is really old and unsecure, I ended up finding a way to get about 3 times the amount which was actually prescribed. I had been abusing them for months actually and I once fell asleep behind the wheel and crashed that car also, a week later I took out another 5000 euros. This was in February this year. At the same time I took out 3 short term loans, all these loans with the same bank, about 500 euros each and have an overdraft of another 600 euros. I also have 2 phone contracts about 40 euros a month each for another year and a half.. Then covid hit, things got shit, when they eased up a bit, I sold my car, since my loans were actually unsecured. I left the country and currently here I am... I ruined my life in 2 years with that banks help... I was trying to keep sending money on my bank account there, but I just can't keep up and I just got a final warning from my bank saying they are going to take legal actions... I now have literally 400£ in total, a laptop, a phone, and I rent a small room in a house share with 5 other people, and I still am trying to accept the fact that I might never be able to go home ever again or see my other family members, friends and visit the place I grew up in and lived for 23 years.