Urgent Debt Advice

RAS

No. 

Any contact delays issue of defaults.

You will be looking for discounts on settlement, down the line.

If you want to reduce interest, make affordability claims against any debt where limits increased repeatedly, or you took them out after your finances were a mess. Expect an initial refusal but take them further. Interest and fees are refunded if you win, and they often stop reporting on your credit record.

Go over to Debt Camel for affordability claims. It doesn't matter that you may not have been wise in retrospect, the lender should have declined. 

Grumpelstiltskin

Callum1510 we have explained to you before you are trying to rush and with debts that just doesn't work.

Slow down, as RAS explained in the previous post, you have to go about things in the correct order at the correct time. The general rule is don't contact your creditors as it usually at least slows things down and can easily make things worse. 

I know you want the debt gone as soon as possible but it just doesn't happen quickly.

ManyWays

Interest is "capped" on payday loans at the amount you borrowed, so they can't escalate indefinitely. 
I agree that affordability complaints sound promising for most of your lenders, with the possible exception of the cheap virgin loan.