Hi everyone,
I’m just after a bit of advice, I’ll try and keep this brief. I’ve always had a strained relationship with my mother to the point I decided to move out when I was 21 into the local uni accommodation. During the three years of my degree I didn’t change my address details or anything to reflect where I was living and unknown to me my mother had taken out a huge number of finance agreements in my name- phone contracts, payday loans, credit cards, store cards, catalogues- you name it she took it out, totalling around 80k. When I finished my degree and had to move home after my Landlord sold the flat I was renting I discovered the mountain of debt collection letters she was hiding. I was obviously fuming and went to call the police but she played the mental health card and threatened to commit suicide (she had tried this in the past) and swore if I didn’t contact the police she’d pay it all off. We set up payment plans with the companies which she paid for about a year then promptly left my dad and I’ve never seen her since and it’s been 4 years.
I’m in a relatively good job but even so I feel like I’m barely making a dent in all this debt. The lenders have been incredibly supportive about setting up payment plans for the most part but my credit score is shot at the bottom end of very poor, I have 4 CCJ’s and countless defaults. I’m 28 and I’m stuck living at home with my dad because I can’t pass the credit check to rent let alone ever get approved for a mortgage. I was young and naive and shouldn’t have trusted my mother but I honestly don’t see a way out of this and don’t know how I’ll ever manage to rebuild my credit score 
Any advice would be greatly appreciated!