Hey, I’m not sure if this is going to be any good for you, but I heard of something like a debt management company when I was talking to someone the other day.Β If you can go to citizens advice, and tell them your situation, they should be able to help you find a way to clear the debt and claim back any money you’re entitled to. I know this probably won’t help you in the short run, but debt management usually find a way for you to pay them back in a way you can afford that won’t leave you too short for the month.
I know payday loans are a bitch and in my opinion they shouldn’t be available to gamblers. There should be some form of check they can do to check a person’s past fortnightly transactions or something.
I hope you get this sorted π