hello, im in a bit of a sticky spot with lenders atm, my own fault granted, i owe £500 odd to Wonga. and £180 to Minicredit. now, i am un-employed and have absolutly no means of paying anything.. both loans are due towards the end of this month.. my first though was to cancel my debit card, delete it, and move to another bank? would this work? Also if i switched bank, would my credit report start over or am i stuck with this rubbish for a while? any help really welcome and needed! am only 18, and i dont really know too much about the financial world lol thanks in advance (: