A bad relationship with money

There is conflict here, you're right. Firstly I think you need to acknowledge whether you actually want to clear this debt, or not. Some people are happy walking away from it, for others that is a path to feeling guilty forever more and they take a view that they will bend over backwards to pay it off. In my view you need to decide whether you want to take responsibility for it, or not, first off.

From there, and if yo decide that you DO want to deal with it to starft yourself off afresh, then you need a Statement of Affairs (SOA) - you'll find the link on the "sticky" thread at the top of the board here. Fill that in taking care to be as accurate as possible, and then post it in here using the "format for MSE" option and we can take a look - it may well be that a lot of the small stuff there can be taken account of through regular repayments from a well worked out budget, but the "well worked out" and "budget" bits of that are key.

It doesn't sound as though your current relationship with money is making you particularly happy - so on the basis that what you're doing isn't working, I'd be inclined to say you have nothing to lose by trying a different path. You work for your money, now it;'s time to make that money start working for you, in return.

One thing I would say, is that as you have a current Payday loan showing, I wouldn't worry about your "credit file" for the time being - for the purposes of mortgages etc, you've closed yourself off to a lot of lenders for a while simply by having that entry there. You can improve things for the future by learning to budget, and manage your cash, though.