Have you talked to a financial adviser about your credit rating? Are you making every payment for every bill every month? YOu said earlier that you cannot cancel your direct debits - what do you mean? If direct debits come out of your bank account, you can cancel them at any time, with varying consequences.
It may not harm your credit rating too drastically if you miss a few payments and catch up later when things are better by spreading payments... BUT... AFAIK missed mortage payments or secured loans are the worst for denting your credit record. AFAIK the odd missed utility direct debit or non secured loan should not make a huge dent, or prevent you borrowing money for your business. I have missed non secured payments every now and then and we can still get loans and mortages. Phone a financial adviser to discuss everything.
Also, if you have equity in your house, you might be able to get a new mortage deal that releases some money to tide you over - again, discuss with a financial adviser. I know you might have to pay a penalty on your old mortage but as its crisis time right now, it might be worth it in the long run.
Better to find out your options now rather than later, as if you start missing mortage payments, the more you miss the harder it is to get another mortgage deal (though still not impossible, just progressively more expensive) But remember, even if you miss just a month and spread the repayments across 12 months, you will still be technically in arrears for the whole 12 months, and being in mortage arrears affects credit rating. Sorry I am rambling but you get the picture?
You really must try to make any equity in your home work for you if you can.
And do claim back any bank/credit card charges. Sending letters does work, banks do pay up and your claim can cover the last 6 years.
Good luck and thinking of you.