IVA or Debt Management Plan, then which one?!

shakeNmake

Sorry, my comment about the mortgage was an aside, to highlight why you're doing this. It's scary seeing all the numbers adding up in front of you, and you need to keep you're eyes on the prize, which is to dig yourself out of the hole and get this weight off your shoulders so you can get on with you're life without this holding you back. I know what it's like. I was in about the same level of debt a few years ago, and through dedicated changes to my way of life, I managed to get clear and stay mostly clear, but it seems like it's impossible to begin with. It ain't.

How about talking to Barclays and getting the credit card debts moved onto that loan? That's a start to reducing you're interest charges which are really killing you're payments now.

debt-free-by-40

In an attempt to consolidate my debts I called my bank to see if they would lend me £19K to clear everything bar the student loan (that's at 4.8% so no point inc that). They said they woulod do it but APR would be 16.9%!!! That's almost as high as 2 of the 3 credit cards. It would include paying off the existing loan with them which is at 9.4%, and that is a condition of the loan. Not great...

shakeNmake

That was kind of them! Look elsewhere, assuming you're credit rating isn't shot (I assume it's not as you've not missed any payments) then you can get lower, or even get a smaller loan to pay off one of the cards (enough to pay off you're Virgin card) and then shuffle the debts around to get them all onto lower rates using 0% transfers or Life of Balance deals, which would result in a significantly shorter repayment time. You would have to be a good "tart" for all this to work best though. This is quite an admin-heavy job when you're dates come up to switch everything.