Your main problem would seem to be just the Credit Card debt, so first see what you can do about that. Check with your Credit Card company to see if your account qualifies for any reduced discounts - there could well be a very low offer applicable to your account, but you won't hear about it from them unless you specifically ask about it.
If you fail to get any joy with your CC company, why not switch and get a 0% on the credit balance offer? If you can do it a couple of times, your €16,000 will have matured and you can get out of that particular hole - which is really your main problem.
If that solution can't or doesn't work for you, what about bunging in a few quid into your local Credit Union and getting enough to clear the Credit Card amount? The Credit Union will let you pay off your loan early wihout charging any penalties, and you get back up to 25% of whatever interest you pay them.
As regards the personal and car loan, there isn't really that much you can do about them. If you pay them off early, via consolidating loan or however, you won't be saving much in the way of interest at all, and indeed may end up paying extra on them.