Last year, I was pretty silly and got myself involved with store cards with Littlewoods, Very and Great Universal. At the time I thought it was a good easy idea and would not struggle with the repayments. I think in a way I became addicted to just buying clothes and paying next year, and got very carried away. I then could not afford to meet minimum payments, as I had a small bar maid job working just twice a week and am very silly with money. I managed to find myself a new job with a good wage, but by this time, by account was now in arrears. Thinking the easy way out was to use a payday loan, I borrowed money from websites such as wonga and lending stream. In an unfortunate turn of events, I then got made redundant. With no job and no way of making any payments full stop. I have been getting hundreds of calls from all of my creditors and when I have tried to explain that I don’t have any money to make repayments they have shouted down the phone at me and threatened to send debt collectors round to my door. My debt in total including everything is £3078, and I have a very poor credit history because of all of this. I know it is all my fault and I think about it every day, and at 19, I am so depressed from being so childish and immature. What can I do? And if there are any websites/telephone numbers I can call, please put them down. I was considering speaking to my parents, but they aren’t the type to take this sort of thing lightly, and would go mad with me for being so stupid. I also do not want to worry and upset them, as I know they are going through a hard time at the moment. Is there a way I could borrow £3000 of some company to make my debts into one? Please help, I am terrified of waking up to debt collectors one day.