The more you pay now, the less there will be to pay in the future. If you can't pay any more than you are doing at the moment, you should still find that it will soon be possible to reduce the payments a little as long as you don't spend more than you pay off.

You will find it difficult to get a loan as banks prefer to lend to people who will use their own money to pay off the debt.

hi there i am paying to much a month and would like to get it down i pay £100 on visa owe £3000, £144 on loan owe £6500, £131 on other loan owe £2400 and £25 on other visa owe £200 if anybody has any ideas i would love to hear them, would just like to get 1 loan or something to cut out goings down, my credit history is not the best please get in touch