Hi

I agree with teh previous post that a loan is not the solution here.

You need to work out a budget, how much you have to spend each month minus debt (i.e travel, food, clothes, household bills, rent etc)

Then work out your minimum payments for your debts. If your budget plus your minimum payments are less than your salary then you are fine, you simply use the surplus to start paying off the debt with the highest interest first. If its more then you will have to do some extra work, probably contacting the companies involvde to let them know you have some issue and asking for a payment break or to accept a lower payment for the time being.

If you feel this is a ll a bit much make an appointment at your local Citizens Advice place and they will help.

Most of all do not panic and do not take any additional credit on.

You have taken the most important step in taking control of your finances and with a little work and by controlling your spending you will be out of this situation without too many further problems

Good Luck

Cerbius