Hello, I'm a newbie here and also a foreigner. My knowledge of dealing with debt in UK is limited. Please, help. My mother became terminally ill in 2010 and died shortly after. During her sickness I had to travel to the country my mother lived in and pay significant medical bills. I used all my credit cards to the limit and started to apply to payday loans. At the moment I have bad credit history and rely on payday loans to pay my day-to-day expenses. Even my salary is pretty good every month I struggle. As the situation is very unpleasant I became a shopaholic as well and instead of reducing my loans spent money on unnecessary goods. I think I had long enough buried my head in the sand and want to finish this debt spiral. My current credit cards are having very small limits £500-1000 and close to the limits but don't have any arrears, I have two overdrafts for £1500 with HSBC and 2370 incl. 250 emergency borrowing with Barclays and used to the limit just a days after payday as as my earning go to pay short-term loans. I had a loan from my son to repay payday loans but it wasn't enough at the time and after few month I ended up having several payday loans again. At the moment I have myjar -£1700 with an interest, 2 loans from Satsuma - £1100 each plus interest, one is half-way through, another just taken last month, Ferratum - £540, unclebuck - £450 plus interest, wagedayadvance -£930 due tomorrow, quickquid - £850 plus interest. 4 payday loans are due tomorrow with the total amount of the repayment of £2000. I can't pay them as I don't have enough money on my account. I tried to cancel CPAs but HSBC refused to do so. They cancelled my debit card instead. I wrote to all of my payday lenders. Only unclebuck came back so far with the request to discuss my budget on the phone. I refused to talk on phone. Also two credit cards from my past are sold to DCAs. After reading this forum I realised that I'm paying PRA Group and 1st credit without any reason as they probably are unenforceable as they are defaulted many years ago. And even I pay 1st credit every month they post a default on my credit card. I plan to set up repayment plans with each payday loan company and may be send them letter about irresponsible lending. What are my first steps? Thanks in advance, Angelica