lostandalone,
I would suggest you get down to your local CAB as soon as you can, or phone them, and ask them for help and debt advice. At first glance i'd say you'd be referred to one of their specialist debt advisors after a genealist advisor has worked through your Income/Expenditure and debts owed. to speed things up it helps them if you can take any and all financial information you have (bank statements, benefit letters, debt letters, loan/CCD agreements, bills, everything!!!) It's one of the things CAB is there for and they will be happy to help you I'm sure.