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Because it's always as simple as that isn't it?
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Well it is really isnt it - I live within my means, always did even when I was on half my salary a few years ago. Everyone struggles occasionally with bills, especially now, so not a dig at the OP but credit is credit, its a choice we make to take it.
Assume as 2 payments behind this wasnt mutually agreed in advace so any creditor would want to contact him.