Hello, I need advice with my debts. So far no missed payments, but I found myself in a position, where I will not be able to pay them all. The very maximum I can spend each month is £150. At the moment my instalments for loans are £326 + interest on overdraft (Barclays) £25 + interests on barclaycard balance £145. The total is around £500 / month. 1. Novuna Personal Finance (previously Hitachi) balance left: £2332 monthly payment is £131 , end of loan 25/04/2025. I had a loan with them in the past, which I paid of earlier. 2. Zopa balance: £3560, monthly payment £195, end of loan around May 2025. Agreed to be reduced for 6 months to £25 / month. I have contacted them personally. I had a loan with them in the past, which I paid of earlier. 3. Barclays credit card: limit £6500, Used £5047. This is the most painful one. I am paying the minimum payment of £145 / month, but the balance doesn't go down. I am paying interests only for couple of years now - not using it, eventually want it to be closed. 4. Barclays overdraft, £2000, used £1000. I am paying the interests only. Eventually want it to be closed. Thank you, seb