Christians Against Poverty (CAP) is a completely free and confidential money management and debt counselling service. It is available for everyone who has an income of wages / benefits and can help you learn a way to manage your money and expenditure. It will help anyone who has overwhelming debts. It is confidential and will never cost you anything.
There are loads of courses on all over the UK. Go to the website to find one in your area.
I trained as a Money Coach with CAP last year and have held a few 3 session courses since then. I have seen families change from being scared of the debts to being liberated to take control of their finances and plan ahead. Money Coaches do not judge, we are here to help and want to get this good news of CAP Money out there.
Please don't bury your head in the sand, your situation could change for the better.