The principal purpose of credit is to smooth income and expenditure over time... Tell the tax office if you can't pay and ask them for advice... http://www.compare-loans-4-all.co.uk/loans
If you have personal loans, regular overpayments may not be feasible, so try to build some extra savings in a separate account, such as a cash Isa... By contrast a lender has a right to impose early settlement charges on a fixed term loan when it is settled early... Ask the lender what this would cost you... http://www.loans-in-uk.co.uk/loans