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I wrote back to this letter-writer and asked: “Just so I really get the whole situation, did you really think was allowed? After working for the company for two years on-site at a client office, I was informed that the client had canceled the contract, so I would need to do another function, which would require driving all over town instead of being based in an office.

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The orginal plan was to use the money for a deposit on a car, and once the car was paid off, I would then have the car as an asset, which I could use as security on a loan, which I could use to pay off the card.

All was going to plan, but the car got written off due to the engine totally breaking down after a month, so I then had to get another deposit on a second car.

I am scared to bring it up with my manager because it might mean I will lose my job once they realize what’s been happening, and if I lose my job I will no longer be able to contribute the ,000 each month toward paying the balance off.

Some people even have suggested I might be up for serious legal problems, and I just feel so stressed out every single day about the situation.

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