welcome f borrowed 10k pay back 36k

smith.s54

Hi friends

I have been trying for atleast 2 years now sorting out my finances and firstly seen the error of my ways dont borrow save first. i am getting on well and havnt gained any more bad credit for a year stopped borrowing and using accounts but in doing so struggled to pay back what i already have i am just coping. I have most things under control but am struggling to get my head round this one welcome finance i borrowed £10k i was desperate and had mortgage arears and tax to pay (self employed). at the time was v uneducated and thought the best route was a loan ie ease the presure and consoladate your finances ads should be banned. any how sort of new the consequences but thought i could get out later and even told that i could renegotiate my loan at a later date. the queston is where to go from here my loan of 10k with welcome finance

add £1832.77 for payment protection
£175 x 2 for lifecare
£150 x 2 for medicare

total insurances £2482.77

this is to be paid back in 180 months at £199.10 apr 19.30%

total charge for credit £22020.23

add £235 acceptance fee
£1100.00 mortgage indemnity fee

total £23355.23 rate of interest on the daily balance 16.80 %

what an idiot any how i have to pay back £36k for borrowing
£10k they make 26k

i am in the process of reclaiming ppi which should reduce the ovaral cost but what else can i do i have bad credit please any help welcome

smudgerer