N
I agree you should cut up all the cards but also think you need to sit down and really work out how you got into cc debt in the first place so you don't end up paying it all off just to repeat history...
If it were me I'd refinance by borrowing around 13k, variable loan over 3 years but I'd aim to pay it off over 2 years or less. I'd close CC accounts (maybe keeping 1 for emergencies only), clear the overdraft, try end the HP agreement and start living within my means on a cash only basis.
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