<human>: I have no idea where or how to start, given that this is my first post on Reddit, let alone this subreddit.

Over the years I have been truly terrible with managing my money, bouncing from one bad decision to the next.
I've been extremely luckily to avoid having any defaults or CCJs on my record, but even so, I fell into the black hole of Payday loans and am now finding it nearly impossible to climb back out.

I started getting these horrendous debts because I wasn't able to admit to myself, or my wife, that I was not able to provide for the family.
I ran up debts to pay for holidays or even the silliest of things like a meal out. The dumbest thing of all was that I hid it from her, and when this came out it nearly ended our marriage.
She is now fully aware of our situation (warts and all), and I'm lucky that she's standing by me, but we now need to find some way to fix this.

I'm earning a good wage, but I'm finding that nearly half of it is going on paying back these loans, and after looking closely, most of that is on the interest.

Due to my propensity to  use Payday loans to pay for payday loans in the past, my credit score has fallen through the floor (As they didn't ask questions, and allowed me to keep this all in the shadows).
My bank will not offer me a loan, and to make things worse I changed jobs very recently which came with a nice wage increase, but means that I have been in my current employ for only 3 months.

Does anyone know of ANY way I can consolidate down the nearly £10,000 of debt  have some sort of single payment over a 5 year period? I figure If I can do that then I can get on top of this.

Summarize the given text in a few sentences.
<bot>: I got us into £10K of debt mostly through lying to my wife about Payday Loans, and now have no way to get out of the pit I've made.