A consolidation loan at 13.9% does not make any sense, with some cards currently at zero, and others at 13.99% now. Only one card is higher, and it has a low balance.
Instead. Pay of #3. ASAP. Stop all other spending (other than minimums and paying your mum regularly what she expects... as long as you don't miss her payments, repaying her slowly is in your best interest) and pay off #3. Cut up that card. Eat rice and beans. This card needs to be gone as fast as possible, so you can take down your 13.9% debt before it comes due, too.
Then start to tackle #2. You can breathe a little, now, but continue to tackle it aggressively.
When #4 is due, keep paying #2 until it is gone, then double up on #4. It has the same rate, so it does not matter which one you go for first.
The plan is that you pay off all but #1 within 2 years, then snowball all your payments to #1. if you still have a bit left on it in 3 years, then you can look for a balance transfer card with a lower rate to move it to. With all the paid off loans, you will be a better credit risk in 3 years, and can likely find something.