Hi, I hope someone can give me some advice. My ex gave me a cheque for €20000 child maintenance a month ago. It was for 5 years of unpaid maintenance. It cleared straight away and I paid some overdue bills etc with it using about €7000 of it. On the 5th day of lodging the cheque it bounced. I rang my ex and basically got nowhere. He has since told me he didn't have the funds anyway. Solicitor says I can go to court but a piece of paper won't get me anything. I went into the bank and explained everything and applied for a loan for €13000 to help clear the overdraft. I had a spreadsheet done out up to 2015 with a rolling balance of everything coming in and going out, so they could see that I can afford the repayments. At the moment I can't access my wages and am depending on my parents until I get sorted for day to day expenses. Any direct debits I have for mortgage, electricity etc are being returned and the bank is charging me more than it would take to repay a loan every week.I have rang them every day for the last 2 weeks and they wont return my calls but keep sending me lettersdemanding I repay the full amount. (I would if I could). What should I do? I have 3 children one doing exams soon so I dont want to let him know whats going on.