Persistent Debt at a head

[Gertcha]

Hi all. In a nutshell. Over the time limit on persistent debt. All 5 cards in this manner. Have written to all companies 3 times asking to cancel cards and pay off the debt over 4 years. Example £4800 offering what my min payment was £100 per month. I really cant increase much more as my min payments for all 5 cards cost at mo 400 to 440 ish. Tesco for example want to arrange payment of 140 per month and charge me 2500 on top the orig card amount. I have 3 cards at 4800 or near as and 2 at 1900 each. I could manage to pay them off in 48 months at my manageable min payment that i have paid over the time.