I think if you are not paying your debts you could be charged and go in front of your CO, thereby receiving a Regimental Entry. Summary Dealing would be an entirely reasonable manner of dealing with an NCO who refuses to pay his debts to a military institution that it is a privilege (and not a right) to be part of.
I think you will find that in Queen's Regulations officers who do not pay their Mess bills within 14 days of them being presented can be cashiered (i.e. discharged from the Army).
Like the previous posters, I think you should just pay your debts and take full responsibility for your own actions.