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Very.co.uk Debt

Hi, i am new here so just looking for a bit of advice.

I owe Very nearly £7,000, i was silly last year as in a bad situation and bought phones on buy now pay a year later and then sold them to keep myself and family going, all the interest has now piled up and the monthly payment will be around £450 once all the interest is applied.

I have reached out to Very saying i am going to struggle to pay, after working everything out i have told them i can pay £50 a month, not suprised but they have not accepted this.

What should i do now? just pay what i can and wait to they default me? Really don't want the interest to pile up to much.

I also have £2400 debt with Argos this is £224 a month, this has been more manageable but not sure if its worth getting help on this at the same time? I have other debt but have been paying this off gradually.Just the Very debt that i will struggle with.

Thankyou in advance.
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