Over 100k in debt due to Gambling Addiction.

ManyWays

The regulators technical definition of a payday loan is one charging over 100% APR where the term of the loan is a year or less. Drafty is a ultra-expensive rolling line of credit with an APR of 96%... but to all intents and purposes it functions as a payday loan that borrowers keep rolling over as they cant clear it.

This https://debtcamel.co.uk/gambling-refunds-loans-cards-overdrafts/ looks at gambling and affordability complaints and there will be links from there to templates for loans and credit cards.

sourcrates

I would say look into doing a pair of interlocking IVA`s as fatbelly suggests, a DMP would take a very long time and a lot can happen whilst you are repaying such a large amount of money.

The IVA route would see your property legally protected from any further action, and it appears you may be one of the rare cases where such a strategy will work for you.