Don't go to moneylenders - they might seem like a solution at the moment, but the interest they charge often ends up landing you in more, and deeper trouble in the medium to long term. Go to MABS, go to your Credit Union, do an complete analysis of your spending now, or get someone to do it for you - it's not that difficult to do. Don't try to sort this all out yourself by going for a seemingly "quick fix" solution. Borrowing at high interest rates to cover debts at lower interest rates or none, only leads to worse trouble. You didn't get into this situation overnight, and you won't get out of it overnight, but you can get out of it.
Please don't go to a moneylender.