messed up 2nd chance

i went self employed for a year and half first year buisness profit was -80 .

I thought 2nd year was going to be better cos of an old acocunt i had with ebay they restricted. The reason i had a problem is i had to my reset my password about 10 time i report to ebay but they kept resetting password so i cannot get in to it.

But what i did also i started of with ebay fees shopping i got told it be better for me i did not know how it worked.

So now i owe ebay over 450 plus 50 pound paypal fees i dont want to go back to benefit.

i not really ha much good luck i want to change my life and thos will help thanks.