And we are still in a mess (54k) but I just had a tiny crack in the wall! Ppi claim agreed and it will pay off the smallest card and free up 350 quid to start the next one! It's only a small step but I feel like a giant leap! So, for all those who have posted kindly, here is a bit of good news.
Tesco are doing a 12 month 0% credit card with 0% balance transfer. Not sure if you want to go down that route but if you are sensible, put a direct debit in place and make sure you pay it off at the end this is great.