When i was 18 on the dot i got a switch card from my bank.
I was living with a girl that lived on a very small estate in Charlton.
Anyway i went up town to buy a pair of sunglasses and this was the first bit of credit Ive ever had.
there was a check book with card and i tried to pay with a check and the woman said i didn't need to, all i had to do was give her the card and away we go.
This was unfortunately to easy and me and my mate and our girlfriends went to the cinema that night up town, all in all it cost about £100.
the next day i was buying all sorts of rubbish with no idea how i was going to pay back the bank(very silly i know but as the 18 year old i was i didn't think so and dont think i couldve been convinced otherwise)
After about 5 days of spending i went into the bank to enquire about a certain part of my account, the woman was astonished that I'd run up such a big bill and stopped the card.
but much to my amazement i could still issue the checks and just kept on spending....................
We got back from shopping one night me, my pal and our girlfriends and there was an unfamiliar car parked outside her flat.
We went inside and ordered a pizza.
I was registered with the bank at this address.
30 mins later the intercom went and i answered it thinkin it was the pizza.
The guy on the other end said"i work for hsbc and i'm instructed to "........i dont even think he asked my name but i interupted him saying:"what, he's not here, he's gone out, you've got the wrong number"!!!!
I can hear the other intercoms in the block going and decide to go down the two flights of stairs to see if i can see how many of them there are.
the bill was £3000 and ALL the gear i bought was in the flat and i was gutted.
so i went out the door and closed it quietly
As i got down the first flight of stairs someone else buzzed him in!!!
It was too late to gat back in the flat so i ran up to the third floor and crouched down hiding!!!!
He starts banging on the door relentlessly and i'm directly above him with no shoes or socks on freezing and i doesn't look like he's going anyware!!!
It looks like it cant get worse.....until the pizza turns up.
Someone else buzzes him in and now he's standing at the front door as well taliking to this debt collector.
there is a big window adjacent to me and the debt collector has clocked me in it crouching down on the balcony above him.
The walls were paper thin in this little block of flats and I'm sure everyone else was listening to what was going on.
So then this debt collector comes out with it, the sentence that people will go on to ruin me for years about:" Mark i can see you, come down mate, your pizzas getting cold"!
I'm not joking you could here the laughter from my mate and girlfriend from inside the flat, everyone.
I bowled down the stairs and said i wasn't hiding just knocking for my mate that live upstairs

the look on he's face said he didn't believe me.
As it turned out this guy was a diamond and said that he didn't want any stuff and that he was instructed to take the card only, he came in the flat and after i had a little chat with him he even let me pay for the pizza with the check(the pizza guy took it)
After the most ridicule you could imagine that night i was getting phone calls for a week after that began with "mark come down, your pizzas getting cold" and i still get stick to this day.
the moral of the story, pay your bills!!!!!