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My debt is not as large as yours but what I did do was split it and got these credit cards with 0 percent transfer and have almost paid debt off.
Diesel cars are also expensive to run . I use just normal petrol and pay just £10 a week to get us around .my sister use diesel and it’s like £100 a week to get around .
The final straw which I know people have done is declared bankruptcy.
Take care x