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Not in UK now but with some UK debts

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Hello all.. I have read this site with great interest over the last couple of weeks. Very heartening to know that people like you existe to help others!

My own situation is that I moved to France in early 08 and had some money left in the UK to cover my debts, but the dive in the markets have really stuffed my investments. I now have a situation where I owe about 40K in unsecured credit card debts (one account of which I had since 1978, another since the mid-eighties), and no way of paying them. I have tried calling the Consumer Credit Councelling Service, who are very helpful, but unable to help because I don't have regular income.

Can anyone suggest my next step? I have written to them all telling them of the situation and paying them a tenner a month, but would need a long-term strategy. Would CCA-ing help at this stage (2 months arrears)? Debts are with NatWest (31 yrs), MBNA (20+ years), Cahoot (5 years) and M&S (about 3 years). All assets now off-shore.

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