do you heat your water with the electricity or the gas.
if with the electricity through emersion, change it to gas heating the water.
dont be heating it up when you dont need it.
as for heat, its hot out so turn your heating off, put a jumper on, save the expense for when you need it in the winter.
have the gas come on to heat the water for half an hour in the morning, you can do without for the rest of the day.
close curtains earlier in the day, even if its still bright out to keep heat in.
turn off the lights after you leave the room.
unplug all electronics when you go out or go to bed.
as for the loans there are more experienced people her who can advise.
just one thing, would it be possible to go to your bank to get the credit cards changed to a personal loan and then destroy the credit cards.
good luck with the banks, it will all turn out well in the end.