Rock Bottom

It may well have to be a DMP which means you opening a basic bank account somewhere not connected with your debts but at least this means no more credit and hopefully freezing of interest. It will show on your credit record though so this may affect your chance of remortgaging on to a fixed rate deal so you need to tell your partner.

If you are able to make minimum payments within budget then it is just a matter of ploughing on until the debts start to reduce but on those interest rates this may take forever. Do you need the car as selling this and getting rid of the car costs may help as the insurance and tax looks high to me let alone maintenance which you have not allowed for.

A second job or upping your hours is another option to bring in more income. You can try writing to your creditors asking them to freeze interest due to financial difficulties.

The main thing you should do though is to stop using credit and your overdraft. Recent changes to overdraft fees structure in most banks mean that these have become much more expensive. They can also be withdrawn at any time and yours is high. I think at that level of debt which must be almost twice your annual income it is unrealistic to expect your partner not to find out. Also if you were on maternity leave did you not discuss finances as presumably this was his child too? I am also puzzled as to why you are paying mobile phone contracts for a young child especially expensive ones like £65 for 2? We pay £30 for our two mobiles. My husband has a sim only iPhone (4 years old now) £11 per month and I have a year old Samsung phone on £19 per month.