I can't close my bank account as I have an overdraft with them which is £1200, what do you think my chances are of getting the companies to accept a payment plan before my pay date?

I have 4 payday loans which need payments making on the 28th of this month - 3 of which will be rollover payments (QQuid, Cash Genie and PDUK), the other one to lending stream (2nd or 3rd payment of a 6 month loan) however if I make these payments I will have nothing left to live on for the rest of the month!!! They did this to me last month and the husband had to get a loan to see us over this month, however he will too be cleared out when he gets paid. I am losing sleep over this and can't think about anything else. How can I get them to agree to a payment plan before they clear out my account? I have bad credit history so setting up another bank account is a no-go as I won't be accepted. Any advice would be gratefully appreciated.