u/substancelesspsycho

I’ve been incredibly stupid and now have 3 missed payments on my credit: I cancelled my direct debit for Tesco mobile as I couldn’t get in contact over the phone- their app states you have to call. I didn’t pay when the emails came as I didn’t want payment to reactive the account. When they said it was cancelled, I then paid the debt of £22.18. I thought it was settled, but then it’s knocked my credit. Tesco mobile apologised for the inconvenience that caused me to not make contact over the phone when I requested good will, but they cannot remove it from my credit file. I should have handled it better and am kicking myself wanting to go back as I’m worried that I’ve ruined my opportunity to get a good mortgage- I have £20k for a deposit and earn £29k after tax. I wanted to buy soon but I’ll struggle to get accepted , right? Tell me how bad this is and what I can do please !

When I started my job, my colleague was super friendly and quickly asked for my socials and to hang out as friends. She mentored me and things were going well, trusted her a lot. Soon, I knew everything and managers would ask me for things instead of her. I’ve noticed the energy shift; she is often dismissing my input making me feel stupid. Currently, I’m avoiding her by sitting in a different room so we don’t take our breaks together. It’s really obvious that we are de escalating this friendship and I don’t really know how to navigate that? Or what to think of it?? She can’t emotionally regulate so I’m also making sure to find opportunities to help her feel like the smartest person in the room as the energy is always better if she is in a good mood. What would you do in this situation?