I honestly dont know and if there is a way i can make payments my bank is not telling me or not wanting to tell me. Im just so stressed and feeling depressed :( i dont want anything to happen to my baby just because im feeling likw this. I cant help it though :(
I agree with Sorenr. If you were the victim of Fraud then you should be able to report the fraud to them and then they look into it and refund you what was taken from you. You shouldn't have to pay that back. I know here once its reported the funds are usually back in your account within 2 weeks.
If you were the victim of fraud why do you have to pay back the money? Maybe the banking system is different in your country, but I would be fighting them over that...
And fyi, your not a bad mum. Because you already care so much for your baby. Be proud of your self for knowing that. :)
You can pay them back in increments. Tell them about your situation, then ask if you can pay them about a hundred a month. Im in a some what similar situation but not as far along. They may be able to let you do that.