Should i pay my debt or chsnge bank details due to wonga loan?

you only live once my friend .. admit finances in a muddle and open new account and reduce what you pay the creditors back .. remember this .. they can not throw you in jail or murder you but you may feel bad that you got in a mess ... however, if you do not want a mortgage or credit card or car loan .... like me .... then stop sweating about it .its only money x