Look for a loan with a low apr to consolidate all your finances into one. Do not get loan insurance as this is a waste of money, if you do find yourself jobless or ill you can usually take a payment break. Go onto excel and work out a spreadsheet. Decide what you realisticly need to spend and can stick to a week then split the rest of the money between your different debts, paying off as much as you can.

Remember to concentrate the bulk of your monthly payments on the credit cards you are paying interest on. If you've any interest-free cards, just pay the minimum and concentrate on clearing the cards that are actively adding to your debt. Try the Citizens Advice Bureau too, they may be able to put you in touch with a free debt management service.

If it's really serious you should go down the citizens advice route. They can advise you & possibly find you someone that can have the debts reduced as long as you pay what they arrange. If you have a large amount outstanding on a credit card do a balance transfer now to a card that offers 0% for 10-12 months but don't use that card apart from the £100.00 or so you are expected to spend(on essentials) in the first month. It's a start!