As CC states, a CCJ is a long way off. Simply tell the lender that you can't meet the regular payments and they'll probably agree to suspend the interest charges and accept lower payments. (Alternatively, they'll sell the debt to an agency which will probably do the same thing).
However as soon as you do this your credit rating will 'go through the floor'. (That happens as soon as you indicate that you've got difficulties in meeting your financial commitments, not when a CCJ is granted to the lender).
Credit reference agencies aren't allowed to blacklist addresses, per se. For example, someone who moves into a house shouldn't find that they're denied credit because the previous occupier had financial problems. However they are permitted to link together the credit ratings of people living at the same address if they believe that a financial 'association' exists between those people. (For example, a husband could be denied credit because of his wife's financial difficulties). The credit reference agencies might be entitled to assume that such an association exists between you and your parents. If they found that they were unfairly being denied credit because of your financial problems, they'd have to submit a 'notice of disassociation' to the credit reference agencies.
Chris